Have a specific question? Simply click on the related topic from the list below.

• 1. How can I calculate my profit entitlement?
  For example, if you have 100 bonds for 1 year (Number of bonds x Live Days x 0.0009701), therefore 100 X 365 X 0.0009701 = 35.40 profit
• 2. Is everyone eligible for the profit distribution?
  Yes, all bondholders are eligible for the profit distribution.
• 3. When will the Profit bonds certificate be issued?
  The Profit Bonds will be issued effective 1st January 2010.
• 4. How will my profit be converted into bonds?
  If the profit earned is 100 Dhs and above, it will be converted into bonds the rest of the amount will be kept in your account as a residue.
• 5. Will the profit amount show on the statements?
  Yes
• 6. Can I access my account statement online?
  Yes if you have your account number (CAN) and your PIN. If you don’t our call center agents will be delighted to assist.
• 7. Can I add more money for the residue amount to be converted into bonds?
  No
• 8. Why this year National Bonds distributed 3.54 % of Profit?
  National Bonds is guided in terms such as EIBOR rates and more relative rates such as deposit rates paid by competing banks or financial institutions during the 2009-year. 3.54% reflects a healthy and fair remuneration for the year given the drop in UAE money market rates.
• 9. Where did NBC invest this year?
  The National Bonds Fund is mostly invested in yield-generating assets such as Wakalas, short-term instruments and Sukuks. The Real Estate allocation is also of a yield-generating nature and we are pleased that some are coming for delivery in 2010 such the iconic Skycourts program. National Bond’s involvement in the Listed Equity and Private Equity asset classes is very limited but nevertheless generated positive valuations in 2009.
• 10. Do I have to complete 1 financial year to be eligible?
  No. the profits will be distributed according to the number of bonds and for the time period the bonds were held during the related financial year.
• 11. Can I receive my profits at any time of the year?
  No. The profits are distributed at the end of every financial year.
• 12. Which communication mediums are used for us to know about our profits?
  • A letter with Profit Bond certificates will be sent to all bondholders by mail
  
  • SMS messages
  
  • Leading national newspapers
  
  • Leading radio stations
  
  • E-mail
  
  • On nationalbonds.ae
• 13. How and where can I collect my profit bond certificate?
  The Bond Profit Certificates will be sent to your current address by mail and the residue amount (less than AED 100)which did not get converted to bonds will be added in your National Bonds account.
• 14. Can the profits be transferred to a different National Bond account number?
  No.
• 15. Will my profit enter into the regular draws?
  Yes, but only if the amount converted into bonds is more than AED 100.
• 16. When can the profits be redeemed?
  Your profits can be redeemed immediately, since there is no lock- in period.
• 17. How I can redeem my profits?
  The profits can be redeemed through our distribution outlets if it’s more than 100 dhs, or if you received the certificate you can apply for instant redemption through Dubai Bank and Emirates Islamic Bank branches or filling up a redemption form at our distribution outlets.
• 18. Can I redeem my residue?
  Yes, you can through filling the redemption form (section B)