Egypt’s Citizen Bond Offers 17.75%. Can Households Afford to Save?

Domestic savings in Egypt do not exceed 1.2% of gross domestic product, and retail lending from banks reached EGP 1.53 trillion in April 2026, while the Citizen Bond raised EGP 7.7 billion against 1.5 trillion for bank certificates, and its return of 17.75% is below the bank deposit rate of 19%