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Negotiable Islamic Debt Certificate (NIDC)
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It is a certificate of debt issued by the bank, negotiated on issuance, and based on the Syariah Principle of Al-Bai Bithaman Ajil;
Tenors of issuance vary from 1 month to 5 years with returns closely related to the interbank market rates;
Minimal nominal amount issued is RM 10,000,000.00 in multiples of RM 1,000,000.00;
NIDC offers fixed return over the entire tenor of the investment.

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