1. National Bank of Oman - Egypt
2014
A Study on Egyptian Banks
A Detailed Market Study on Products Offered by Major Banks
Operating in Egypt covering Retail, Business and Wealth
Management.

2. Contents
Section 1: Governmental Banks Page No.
1 National Bank of Egypt …………………………….. 3
2 Banque Misr …………………………….. 9
3 Alex Bank …………………………….. 13
Section 2: Commercial & Foreign Banks
1 Commercial International Bank – CIB …………………………….. 15
2 Qatar National Bank Alahli – QNB …………………………….. 27
3 Barclays Bank Egypt …………………………….. 38
4 Masreq Bank Egypt …………………………….. 47
5 Emirates NBD Egypt …………………………….. 51
2

3. Governmental Banks
National Bank of Egypt
A. About:
NBE is the oldest commercial bank in Egypt. It was established on June 25, 1898 with a
capital of £ 1 million. During the 1950s, NBE assumed the central bank's duties. After its
nationalization in the 1960s, it acted as a pure commercial bank besides carrying out the
functions of the central bank in the areas where the latter had no branches. Moreover, since
mid-1960s, NBE has been in charge of issuing and managing saving certificates on behalf of
the government.
During the FY 2012/2013, NBE managed to achieve positive performance indicators. Total
financial position in June 2013 recorded EGP 366.6 bn., growing 14% YOY. NBE's total assets
accounted for 23.4% of the total banking system assets.
Total deposits reached EGP 312.7 bn., with a growth rate of 12.2% YOY, accounting for
26.3% of the total banking system deposits.
Net cumulative balance of NBE's saving certificates, the largest household saving pool in
Egypt, rose in June 2013 to EGP 102.2 bn., up by 4.6% YOY.
NBE has further provided a set of distinguished finance schemes that meet the needs of key
economic sectors. Fresh retail loans were injected with the sum of EGP 22.3 bn., growing
16.1% YOY.
Total loans have thus risen 13% to reach EGP 114.7 bn. accounting for 21% of total banking
system loans (net loans: EGP 107.5 bn., growing 12.3% YOY). NBE, hence, commands 32% of
the banking system growth.
By the end of June 2013, NBE held equity participation in 190 projects covering all the fields
of economic activity with total capital of EGP 49 bn. The Bank's holdings amounted to EGP
13.9 bn. representing 28% of such projects' total capital.
In line with NBE's support to small and medium sized enterprises (SMEs), the total SME loan
portfolio reached EGP 9.4 bn., growing 44% YOY. Total finance injected to SMEs amounted
to EGP 4.6 bn. during FY 2012/2013 whether in the form of extending loans to new
customers or scaling up finance to existing ones. NBE also relent an amount of EGP 1.3 bn.
from the Social Fund for Development (SFD) to its customers, commanding the biggest
market share. NBE's efforts in this respect culminated in winning the Gold Medal Award for
Best SME Banking Reputation in the Middle East from Radar Global.
NBE achieved a net profit (before income taxes) of EGP 7.1 bn., increasing 17.4% YOY. Net
profits rose 8.1% YOY to record EGP 3 bn.
NBE received many awards from international organizations in recognition of its outstanding
performance. For example, the Bank won the Euromoney Project Finance Magazine-African
Petrochemicals Deal of the Year 2012. Furthermore, NBE was ranked number three in terms
of loan syndication in Europe and Middle East Area (EMEA) with a market share of 6.1%
coming ahead of global institutions and banks according to Bloomberg Loan Syndications
rankings in 2012. NBE was also ranked number-five mandated lead arranger by market share
in MENA region with a 6.3% market share as NBE arranged 9 loans in the amount of USD 1.3
bn.
NBE had also assumed an active role in funding key strategic economic sectors including
electricity, tourism, real estate development, oil, financial leasing and contracting. Total
large corporate loan portfolio surged 10.4% to reach EGP 82.5 bn. as at June 2013.
NBE launched a host of new credit and saving products. These included but were not limited
to launching Visa Gold and "Salary in Advance" for all Al Ahly Payroll cardholders. The Bank
also introduced Cash Transfer services via ATMs.
Developing its services and products to provide customers with distinctive services, NBE
increased the number of ATMs to reach 1,535 deployed nationwide, with a growth rate of
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4. 23% YOY; thus NBE commands round one third of the market. POS network expanded to
reach 9,169 machines, raising transition volume to EGP 2.1 bn.
NBE has embarked on renovating its branches and infrastructure. Some 14 branches were
refurbished (completely renovated) in 2012/2013. A number of 250 branches (93% of total
branches) were developed via introducing the new customer service model to ensure quality
service to existing and new customers.
Developing its information technology infrastructure, NBE launched the first phase
of Flexcube, migrating retail loans to the new system. Accordingly, each customer will have
one file and products can be easily introduced. In addition, the Bank introduced phone cash
service which is considered the first of its kind to be extended by a bank independently from
any mobile network in Egypt and the Middle East. Customers can use such service to pay
phone bills, offer donations, book airline tickets and transfer cash in a safe way. They can
also make deposits and withdrawals via over 20,000 Fawry points of sale as well as NBE
branches.
The Bank operates a new computer center international systems "Tier 3" in compliance with
the requirements of Basel 2 to avoid operational risks. NBE has also updated money
laundering system.
NBE provided direct funding for the government by purchasing T-bills and government
bonds. Average T-bill balance accounted for EGP 87.4 bn. as at June 2013 with an increase of
29% YOY.
NBE has continued to offer donations totaling EGP 333 MM during the period from 2008 till
2013, focusing on health, education, poverty combat and slum development.
NBE created a number of mutual funds that support the Egyptian capital market and deliver
services to a distinguished segment of customers. NBE offers investment services by
expanding the central depositary and trading services.
Oracle Human Resources and Oracle Financials have virtually gone live.
In July 2013 issue, The Banker ranked NBE 259th ahead of all Egyptian banks, among the
largest 1,000 banks worldwide and 7th among Arab banks, by total assets.
NBE has an extensive network of 338 branches and offices nation-wide. To this may be
added NBE's effective international presence through the National Bank of Egypt, New York
and Shanghai branches (in USA and China), National Bank of Egypt (UK) Limited, National
Bank of Egypt (Khartoum) – Sudan, and NBE (DIFC) Limited, plus representative offices in
Johannesburg – South Africa, Dubai – UAE and Addis Ababa – Ethiopia. This is in addition to a
vast correspondent network around the globe, mainly in Europe, Egypt's premier trade
partner.
Credit Rating “Standard & Poor's”
Foreign Currency:
• Long-Term liabilities: B-
• Short-Term liabilities: C
Local currency:
• Long-Term liabilities: B-
• Short-Term liabilities: C
Sovereign:
• Long-Term: B-
• Short-Term: B
B. Latest News:
• NBE to provide EGP 500m Mobinil
• National Bank of Egypt raises retail banking portfolio to EGP 35bn
• Tourism, industrial sectors account for 75% of NBE’s non-performing loans
• National Bank of Egypt signs $50m deal with European Bank for Reconstruction and Development
• NBE and Telecom Egypt sign agreement for fiber-optics upgrade
• NBE to defer EGP5bn in loan payment installments
4

5. C. Retail Products:
1. Certificates
1.1 Certificates - Foreign Currency:
1.1.1 Multi-advantage Certificate $/€
1.1.2 Golden Certificate ($/€)
1.1.3 Diamond Certificate ($/€)
1.1.4 Kenzi Certificate (US$)
1.1.5 New Golden Certificate ($/€)
1.1.6 Upfront CD
1.1.7 The Egyptian's Certificate (US $)
1.2 Certificates - Local Currency:
1.2.1 Three / Five-year Certificates
1.2.2 Variable Monthly Income
1.2.3 Monthly-return Retirement
1.2.4 Platinum Saving Certificate
1.2.5 NBE's Investment Group A & B
1.2.6 Group "C" Lottery Certificate
1.2.7 Five-Year with Monthly Return
1.2.8 Common Features of Certificates
2. Deposits
2.1 Deposits
Minimum amount for deposits:
Currency Value Duration
EGP 100,000 Week, 2 weeks, less than one month
EGP 1000 1 month – 1 to 7 years
US$ 1000 1 month – 2 months – 3 months – 6 months – 9 months - 1 year
€ 700 1 month – 2 months – 3 months – 6 months – 9 months - 1 year
£ 500 1 month – 2 months – 3 months – 6 months – 9 months - 1 year
SR 4,000 1 month – 2 months – 3 months – 6 months – 9 months - 1 year
2.2 Long-Term Deposits
Tenor: 1-7 years
Currency: Egyptian Pound
Frequency of cashing interest: Monthly, quarterly, semi-annually and annually.
Minimum amount for deposit: 1000 EGP.
Borrowing: Depositors can borrow against their deposits
according to applicable rules.
Redemption: In case of canceling the deposit prior to its maturity date, an interest
rate is calculated for the actual period, 2% less than the rate at the time of booking
deposit or the rate at the time of canceling deposit, whichever is lower.
3. Current Accounts
Can be opened in any currency, Minimum amount for opening the account:
EGP 500 (individuals)
EGP 5000 (corporate)
Foreign currencies: 100$ and equivalent in account currency
Advantages:
• Available for natural and legal persons
• Transaction via checkbook
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6. • Obtaining a direct debit card for cash and/or shopping
• Joint accounts are allowed (more than one account-holder)
• Foreign-currency accounts yield highest interests that can be credited to the account
annually.
4. Savings
4.1 Savings - Foreign Currency
4.1.1 Foreign-currency Saving Account with Prizes
4.2 Savings - Local Currency
4.2.1 Saving Account
4.2.2 Small Saver Account with Prizes
4.2.3 EGP Retirement Saving Account
5. Credit Cards
a. NBE's Credit Cards
b. MasterCard EgyptAir
c. Visa Platinum
d. MasterCard Shams
e. Visa Gold
f. MasterCard Al-Ahly Internet
g. Visa Classic
h. Secure Code (MasterCard-Visa)
i. MasterCard Platinum
j. MasterCard Gold
k. MasterCard Standard
6. Prepaid Cards
6.1 MasterCard "Al-Ahly Lel Shabab"
6.2 MasterCard Internet
7. Installment Cards
a. Premium Card
8. Debit Cards
a. Debit Cards (Visa - MasterCard)
b. Secure Code Service of Debit Cards (Visa - MasterCard)
c. Exclusive discounts (visa – MasterCard)
d. Gold Bars Campaign ( MasterCard )
9. Loans
a. Personal Cash Loan
b. Auto Loan
c. Loans guaranteed by deposits & saving pools
d. Mortgage Finance
D. Corporate Products:
1. Certificates & Deposits
2. Current Accounts
3. Payroll Services
4. Al Ahly Payroll Card
5. Salary Advance
6. Small and Medium Enterprises (SMEs)
7. Point of Sale (POS)
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7. E. Branches:
Local:
Region No. of Branches
Cairo 141
Alex 26
Sinai 11
Port Said 8
Ismailia 6
Suez 3
Damietta 4
Daqahleya 11
Sharqeya 19
Gharbya 11
Banha 5
Menoufeya 14
Behira 8
Kafr Elsheikh 8
Marsa Matrouh 4
El Fayoum 5
Beni Suef 6
Menia 8
Assyut 7
Sohag 12
Oasis 1
Qena 12
Aswan 8
Total 338
Abroad:
• National Bank of Egypt (UK) Ltd: London
• NBE (DIFC) Limited: Dubai
• National Bank of Egypt (Khartoum): Sudan
• National Bank of Egypt: New York
• National Bank of Egypt, Shanghai Branch: China
• National Bank of Egypt, Johannesburg (Rep. Office): South Africa
• National Bank of Egypt, Addis Ababa (Rep. Office): Ethiopia
F. Non Performing Loans - NPL:
Rating DEC 31, 2013 June 30, 2013
Loans and
Advances %
Impairment
Provision %
Loans and
Advances %
Impairment
Provision %
Performing 57 1 58 1
Regular 33 4 31 7
Watch List 4 14 5 15
Non-Performing 6 81 6 77
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8. G. Alternative Channels Banking:
1. Electronic Banking:
a. Ahly Net - Retail
b. Ahly Net - Corporate
c. AL Ahly E-Shopping
d. ATM
e. Point Of Sale
f. Mobile Payment Service "Phone Cash"
2. Al-Ahly NET Portal
a. Enquiry
b. Fund Transfer (Internal & External)
c. Opening new accounts/deposits
3. ATM
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9. Banque Misr
A. About:
Banque Misr was established in 1920 by the pioneer economist and financial expert,
Mohamed Talaat Harb Pasha, who created the concept of investing in national savings
and directing them towards economic and social development marking the Banque Misr
as the first wholly owned Egyptian bank.
Since 1920, Banque Misr has mainly focused on establishing companies in various fields
and sectors including spinning and weaving, insurance, transportation, aviation and
cinema. Banque Misr currently owns equities in 208 projects including financial,
industrial, tourism, housing, agriculture and food, general service, and communication
and information technology.
Banque Misr has also established major investment funds in Egypt as part of its a
diversified portfolio, and was granted an award by the Global Finance Treasury and Cash
Management Awards, as the “Best provider of Money Market Funds in Africa and the
Middle East" for the year 2009 and 2010 and "Best provider of Money Market Funds in
the Middle East" for the year 2008, 2012, 2013, 2014”.
By the end of 2013, Banque Misr succeeded in maintaining its outstanding performance
and exclusive ranking as the sole Egyptian bank among the top twenty mandated
arranger banks in the Middle East and North Africa region.
As a true pioneer bank in the region, Banque Misr became the first bank in Egypt and
North Africa to become compliant with PCI data security standards, upon obtaining the
global Payment Card Industry Data Security Standard 1.2.1 (PCI DSS 1.2.1) certification.
Utilizing the latest technology in the banking sector, Banque Misr is constantly looking to
expand customer access to banking services. Banque Misr offers one of Egypt’s largest
ATM networks, located across all areas of Egypt.
The bank's 12,000 employees serve a large client base of more than seven million
customers in Egypt and a total paid-up capital amounting to EGP 11.3 billion.
The Bank currently owns and operates about to 500 electronically connected local
branches including 5 branches in the United Arab Emirates, one in France, in addition to
regional and global branches in Lebanon, Germany and worldwide network of
correspondents.
Credit Rating “Moody’s”
Foreign Currency:
• Long-Term liabilities: Caa2
• Short-Term liabilities: NP
Local currency:
• Long-Term liabilities: Caa1
• Short-Term liabilities: NP
B. Retail Products:
1. Certificates
1.1 Certificates - Foreign Currency:
1.1.1 Saving Certificates with USD.
1.1.2 Saving Certificates with Sterling.
1.1.3 Banque Misr Euro Certificates.
1.1.4 Kheir Saving Certificates.
1.2 Certificates - Local Currency:
1.2.1 Three-year Savings Certificates with semi-annual revenue.
1.2.2 Five-year savings certificates with annual revenue.
1.2.3 Five-year savings certificates with monthly revenue.
1.2.4 Seven-year Savings certificates with monthly revenue.
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10. 1.2.5 Three-Year savings certificates with variable revenue (Monthly, Quarterly,
and Semi-annual) paid every three months.
1.2.6 El Tamyoz Certificate (a distinctive quarterly revenue in Egyptian pounds)
10.50% a year from 20/7/2014.
1.2.7 El Kheir certificate, 10 years saving certificates with monthly- quarterly
revenue.
1.2.8 Certificate of Guarantee.
1.2.9 El Ikhtiyar certificate in EGP.
1.2.10 El Ikhtiyar certificate in USD.
1.2.11 Sherkty certificate.
2. Deposits
3. Current Accounts
 Current account with local currency.
 Current Account with foreign currency.
4. Savings Accounts
 Ordinary Savings Books in Egyptian.
 Bank Misr revenue and prizes saving account in foreign currency.
 Saving Accounts without Savings Books in some of BANQUE MISR branches.
5. Credit Cards
a. Banque Misr VISA.
b. Banque Misr MasterCard.
c. Banque Misr MasterCard Internet.
6. Debit Cards
a. Banque Misr VISA Electron.
b. Direct Debit MasterCard.
7. Salaries Cards
8. Co-branded Cards (Prepaid Cards)
Banque Misr prepaid gift card.
9. BM Youth Card club
10. Installment Cards
a. Banque Misr – Al Araby Card.
b. Banque Misr Premium Card.
11. Consumer Loans
a. Consumer Loans.
b. Financing Micro Enterprises (El Batal).
c. Small and Medium Sized Businesses Finance (Mashroey).
d. Financing Medium Enterprises (El Rabeh).
e. The Mortgage Loan.
f. Car Loan.
g. Durable Good Loans.
h. Loans for purchase of consumer goods.
i. BM Cash.
j. Loans guaranteed by documents of BANQUE MISR investment funds.
k. Sporting Clubs Membership Subscription loan.
l. Back to school loans (interest free).
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11. m. Loans for purchasing national goods and products.
n. Loans for purchase of consumer goods.
o. Salary loans guaranteed through transfer of salary or installments.
p. Loans guaranteed by documents of BANQUE MISR Mutual fund.
q. Back to school loans (Interest free).
r. Loans for purchasing national goods and products.
12. Bancassurance
These are insurance services and programs provided by BANQUE MISR through a
network of branches throughout the Country. They are offered in the modern
context of advanced banking services of commercial banks. They are comprehensive
services that serve the broad family and company sectors of BANQUE MISR clients.
13. Other Services:
a. Tariff electronic payment service
b. Taxes electronic payment service
C. Corporate Products:
1. Working Capital short term facilities
2. Medium and long term facilities pertaining to Capital Expenditures & Investment
Requirements.
3. Mega Project Structure Finance.
4. Syndicated Loans
5. Corporate Bonds Issuance
6. Acquisition Finance
7. Letter of credits
8. Letter of Guarantees
D. Islamic Banking:
E. Branches:
Local:
Region No. of Branches
Cairo 133
Alex 31
Sinai 25
Port Said 6
Ismailia 7
Suez 6
Damietta 7
Daqahleya 15
Sharqeya 14
Gharbya 14
Menoufeya 11
Behira 14
Kafr Elsheikh 9
Qalyoubia 9
Marsa Matrouh 3
El Fayoum 4
Beni Suef 5
Menia 11
11

12. Assyut 10
Sohag 12
Al Wadi Al Gadid 2
Qena 7
Luxor 2
Aswan 8
Total 365
Abroad:
• Banque Misr Paris: France
• Banque Misr Abu Dhabi: UAE
• Banque Misr Dubai: UAE
• Banque Misr Sharjah: UAE
• Banque Misr Al Ain: UAE
• Banque Misr Ras Al Khaima: UAE
• Banque Misr Europe: Germany
• Banque Misr Beirut: Lebanon
F. Non Performing Loans - NPL:
Amount in EGP 000s
Non Performing
Loans
Performing Loans Total
Balance at beginning of
the Year
7830509 500077 8330586
Transfers 19150 3441 22591
Recoveries of loans
previously written off
16530 0 165306
Write-offs (1268982) 0 (1268982)
Balance at the End of Year 7554891 580509 8135400
G. Alternative Channels Banking:
1. Electronic Banking:
a. Electronic Branches
b. Online Banking-Internet Services
c. Call Center - IVR services
2. ATM
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13. Alex Bank
A. About:
Bank of Alexandria is one of the largest banks in Egypt, with 210 branches across the
country. It has a market share of almost 7% and had assets of 5.2 billion Euros (US$6.5
billion) as of June 30, 2006. Intesa Sanpaolo is the major shareholder in the bank. It holds
70.25% of the bank shares, IFC holds 9.75% and the Egyptian Government holds 20%.
B. Retail Products:
1. Certificates
1.1 Certificates - Foreign Currency:
1.1.1 Deposit Certificates in Euro (with income & prizes)
1.1.2 Annual Floating Rate USD Certificates
1.1.3 US Dollar Certificates (with prizes)
2. Deposits
3. Current Accounts - El Masry Account
Can be opened in any currency, Minimum amount for opening the account:
EGP 1000 (individuals)
EGP 5000 (corporate)
Foreign currencies: 100$ and equivalent in account currency
4. Savings
4.1 Savings - Foreign Currency
4.1.1 Saving Account (USD & GBP)
4.1.2 Dual Advantage Savings Book in Euro
4.2 Savings - Local Currency
4.2.1 Saving Account
4.2.2 Dual Advantage Savings Accounts
4.2.3 Youths and Small Depositors Savings Accounts
5. Credit Cards
a. ALEX Card
b. Classic Credit Card
c. Golden Credit Card
• Pricing and Parameters Guide (Gold and Classic):
Pricing Gold Classic
Issuance fees main 200 100
Issuance fees supplementary 50 50
Renewal fees main 100 75
Renewal fees supplementary 50 50
APR (Interest rate)
1.50% Secured
1.85% Unsecured
Cash advance fees 2% min. EGP 20
Conversion fees 2.75%
Minimum payment 5%
Card replacement EGP 50
Over limit fees EGP 50
Late payment fees EGP 50
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14. 6. INSPIRE Debit Card (International)
7. Debit Cards
a. Local Visa Electron
b. International Visa Electron
c. Pre-Paid Visa Card
8. Loans
a. Alex loan
b. Alex Auto
c. Tailored Finance Scheme
d. Overdraft Facility
e. Microfinance (SME)
C. Corporate Products:
1. Investment Banking
2. Treasury Management
3. SMEs Finances
4. Financing and Lending Activities
D. Branches:
Local:
Region No. of Branches
Cairo 62
Alex 22
Canal, Sinai & Red Sea 34
Upper Egypt 47
Lower Egypt 45
Total 210
E. Non Performing Loans - NPL:
Rating June 30, 2014 DEC 31, 2013
Loans and
Advances %
Impairment
Provision %
Loans and
Advances %
Impairment
Provision %
Performing 17.71 2.65 16.70 2.68
Regular 70.71 32.99 68.98 34.18
Watch List 4.80 10.29 6.30 7.75
Non-Performing 6.78 54.07 8.02 55.39
F. Alternative Channels Banking:
1. Electronic Banking:
a. Alex Link
b. Contact Center
c. Bill payments and Mobile recharge
2. ATM
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14

15. Commercial & Multinational Banks
Commercial International Bank - CIB
A. About:
Commercial International Bank was established in 1975 as a joint venture between the
National Bank of Egypt (51%) and the Chase Manhattan Bank (49%) under the name "Chase
National Bank of Egypt”. Following Chase's decision to divest its equity stake in 1987,
National Bank of Egypt (NBE) increased its shareholding to 99.9%, and the Bank changed its
name to Commercial International Bank (Egypt) S.A.E. NBE’s stake gradually decreased
through several public offerings till it reached 18.7%. In 2006, a Consortium led by
Ripplewood Holdings acquired the NBE stake. In July 2009, Actis a leading emerging markets
private equity firm, invested US$ 244 million to acquire shares in CIB. Hence, Actis acquired
50% of the stake held by the Consortium led by Ripplewood Holdings. Five months later,
Ripplewood sold its remaining position of 4.7% in CIB through the open market. This move
marked the successful transition of strategic partnership to be with Actis, who then became
the largest shareholder in CIB with a 9.1% stake. In March 2014, Actis sold a portion of its
holding in CIB, representing 2.6% of the Bank’s total outstanding shares, in the open market
to a group of international investors. Later in the year, Actis, has successfully realized its
investment in Commercial International Bank (CIB) and has sold its remaining 6.5% to Fairfax
Financial Holdings Ltd (“Fairfax”) in May 2014.
Having the strongest brand equity rightfully places CIB as the bank of choice for over 500 of
Egypt’s largest corporations. Moreover, CIB shows tremendous upside potential within the
bourgeoning Retail and SME Banking markets.
CIB was awarded as the “Best Trade Finance Bank in Egypt” from Global Finance Magazine
and Global Trade View (GTR). In the first quarter of 2014, Global Finance also named CIB the
“Best Foreign Exchange Provider Bank in Egypt”, “Best Sub-Custodian Bank” and also
awarded CI Capital as “Best Investment Bank 2014”.
In 2013, CIB has been named "Best Bank in Egypt” by Global Finance for the 17th year in
addition to “Best Sub-Custodian bank in Egypt” for the 5th consecutive year as well as “Best
Foreign Exchange Provider bank in Egypt” and “Best Trade finance Bank in Egypt”. CIB was
awarded The Best Bank Award by Euromoney Excellence Award 2013, as well as Deal of the
year by The Banker. Emeafinance also, granted CIB “Best Local Bank” for the 5th consecutive
year in 2012, “Best Asset Manager in Egypt” for the 2nd consecutive year. CIB has been
awarded "Best Asset Manager in Egypt” and “Best FX Provider in The Middle East” by Global
Investors 2012. “Best Project Finance Deal in Africa”, “Best Natural Resources Deal in Africa”,
and “Best Securitization Deal in EMEA”. Moreover, CIB has received many accolades
throughout 2012 and 2011. Such awards include “Deal of the Year’ and ‘Bank of the Year’ for
the 3rd time from The Banker magazine. Also, Global Trade Review has named CIB as “Best
Trade Finance bank in Egypt.
CIB continues to be the most profitable commercial bank in Egypt. As of March 2014, CIB
gross loan book reached EGP 46 billion, while customer deposits marked EGP 103 billion,
with a paid-in capital of EGP 9 billion. The Bank has the largest market capitalization in the
Egyptian Banking sector, amounting to over EGP 33 billion as of March 2014, and operates a
wide distribution network of 155 outlets and more than 500 ATMs. With a full-fledged suite
of products and services, along with its investment arm “CI Capital”, CIB manages to meet its
clients’ financial needs with integrity and expertise.
15

16. Credit Rating “Standard & Poor's”
Foreign Currency:
 Long-Term liabilities: B-
 Short-Term liabilities: C
Local currency:
 Long-Term liabilities: B-
 Short-Term liabilities: C
Sovereign:
 Long-Term: B-
 Short-Term: C
B. Latest News:
 CIB grants EGP 530 million loan to Madinet Nasr for Housing & Development to
finance “Tag Sultan” project
 CIB and EGYPTAIR launch the first Co-brand Airline Credit Card in Egypt, in
cooperation with MasterCard
 AfDB Approves a US $50 million Risk Participation Agreement with Commercial
International Bank SAE to Boost Trade Finance
C. Retail Products:
1. Certificates
1.1 Certificates – Local Currency
 A medium and long-term depository product with durations of 3,5 or 10 years
 Interest rates calculated on fixed and floating basis
 Redemption possibility:
o Allowed after six months of certificate issuance for fixed rate 3 or 5 years
certificates
o Allowed after one year of Certificate issuance for floating rate 3 year
certificates
o Allowed after one year of Certificate issuance for fixed rate 10 year
certificates
 Eligibility for secured facility up to 95 % of CDs Value
 Fixed Interest
o Certificate duration 3, 5 or 10 years
o Minimum purchase amount EGP 1000 and its multiples
o Calculated and earned monthly, quarterly, semiannually or annually
(depending on the certificate’s duration)
 Floating Interest
o Certificate duration 3 years
o Minimum purchase amount EGP 10,000 and multiples of EGP 1,000
o Calculated and earned on a quarterly basis
 Cumulative Interest
o Certificate duration 3 or 5 years
o Minimum purchase amount EGP 5,000 and its multiples
o Calculated and earned at maturity
1.2 Certificates – Foreign Currency
 A medium and long-term depository product with durations of 3, 5 or 7 years.
 Offered in USD and EUR only
 Interest rates are calculated on fixed and floating basis
 Redemption possibility: allowed after six months of Certificate issuance date for
fixed interest and floating interest rate CDs
 Offered to individuals and corporate customers
 Eligibility for secured facility reaches up to 90% of CD's value
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17.  Fixed interest:
o Certificate duration 3, 5 or 7 years
o Minimum purchase amount is USD or EUR 1000 and its multiples
o Calculated and earned monthly or quarterly (depending on the certificate's
duration).
 Floating interest:
o Offered in USD only
o Certificate duration 5 or 7 years
o Minimum purchase amount USD 1,000 and its multiples
o Calculated and earned on a quarterly basis.
2. Time Deposits
 A time deposit is offered for a fixed period of time (starting from one week and
reaching up to 5 years), where a fixed amount is deposited with a fixed interest
rate and maturity date.
 Time deposits are available to individuals and corporate customers
 Interest is deposited to any of the customer’s accounts
 Automatic renewal is optional upon customer’s request
 Interest is earned at maturity for time deposits starting one week and up to one
year
 Interest is earned monthly, quarterly, semi-annually or annually for 3 or 5 year
time deposits
 Overdraft facility reaches up to 95% of the Deposit
3. Current Accounts
 A non-interest bearing current account that allows you to deposit and withdraw
cash at any time and from any branch
 Cash withdrawal on demand via checks from any CIB branch, or through our vast
network of more than 500 ATMs across Egypt
 Offered to individuals and corporate customers
 Free internet banking service enabling you to access your accounts 24/7
4. Savings
Interest bearing account for individuals.
 Minimum balance to open an EGP saving account is EGP 5,000 with the following
interest frequency payments:
o Daily tiered interest: calculated on daily closing balance and credited
monthly
o Monthly tiered interest: calculated on lowest monthly credit balance and
credited each month
o Quarterly tiered interest: calculated on lowest monthly credit balance
credited quarterly
o Overdraft facility reaches up to 90 % of available balance
 As for USD, GBP and EUR currencies, minimum balance to open a saving account
is 1,000 and interest is calculated on daily closing balance and credited quarterly
to the account
 Cash withdraw upon demand by a withdrawal form over the counter (with the
same account currency or its equivalent), or through our vast network of more
than 500 ATMs across Egypt
 Free internet banking service enabling you to access your accounts 24/7
5. Save and Safe Account
CIB's new "Save and Safe" account is the only saving account that offers free insurance
bundled with a wide range of free benefits.
17

18. 1 - Daily, monthly and quarterly interest rate frequencies
 Daily interest rate is calculated on a daily basis and credited monthly.
 Monthly/quarterly interest rate is calculated on the lowest credit balance during
the month and credited monthly/quarterly.
2 -Tiered interest rate, the more you save in your account, the higher the return.
3 - Free insurance benefits, customer is offered a variety of free insurance products:
 Accidental death or disability insurance (AD&D)
 Medical reimbursement in case of an accident (AMR)
 Educational allowance in case of accident (E.A.)
 Home insurance
The above insurance features are completely free for CIB Save and Safe clients.
4 - Free safe box
The Save and Safe account offers you the chance to get a free safe box for one month
as long as you maintain an average balance of EGP 1 million in your Save and Safe
account.
Conditions essential to benefit from the Save and Safe free insurance Features:
 Maintain a minimum average balance of EGP 50,000 in your savings account for 3
consecutive months
 The more money you place in the account, the more insurance features you
receive, as Highlighted in the following table:
Amount
From 50K
to 150K
(Silver)
Above 150K
to 500K
(Gold)
Above 500K
to 1M
(Platinum)
Above 1M
(Diamond)
Accidental
Death &
Disability
(AD&D)
EGP 100,000 EGP 250,000 EGP 500,000 EGP 500,000
Educational
Allowance (EA)
EGP 50,000 EGP 50,000 EGP 50,000 EGP 50,000
Accidental
Medical
Reimbursement
(AMR)
0 0 EGP 25,000 EGP 25,000
Home Insurance - - - EGP 350,000
Free Safe Box - - - YES
6. Miles-every-where Current Account
 Free miles through Egypt Air
 Credit card "CIB-EGYPTAIR Miles-every-where"
 Debit Card
 Checkbook
 50% discount on the personal loan admin fees
18

19.  Issuing bank statement
 24/7 call center
 A wide network of more than 600 ATMs across Egypt
 Internet Banking service to monitor your banking transaction
7. Credit Cards
a. Platinum Credit Card
b. Gold Credit Card
c. Heya Credit Card
d. Com Credit Card
e. MasterCard Priceless Arabia
f. CIB-EGYPTAIR Miles-every-where
8. Prepaid Cards
6.1 ISIC “International Student Identification Card”
6.2 Hedeyati
6.3 Thomas Cook
9. Debit Cards
Debit Cards (Visa - MasterCard)
10. Loans
a. Auto “CAR” Loan
b. Mortgage Loan
c. Personal Installment Loan
d. Revolving Overdraft (ROD)
11. Investments
a. Osoul Fund
Osoul is a money market mutual fund, launched in April 2005 that invests locally
in a variety of securities, aiming to create a vehicle that offers an accumulated
daily income and liquidity for both individuals and corporate investors.
The fund invests in a variety of local/foreign short-term fixed income securities –
0% equity. The fund invests in TDs, Treasury Bills, Treasury Bonds, and Corporate
Bonds.
Investment Guidelines:
Asset Allocation Asset %
Cash & CD's Max. of 75%
Treasury Bills Max. of 100%
Treasury Bonds Max. of 50%
Corporate Bonds Max. of 40%
Investment Certificates in similar Funds Max. of 10%
Rewarding Returns:
Fund with an initial size of EGP 500M, providing daily accumulated return across
short and medium term investments.
19

20. Daily Liquidity:
Open-ended fund granting immediate access to the fund shares on a daily basis
through more than 150 CIB branches, with daily subscription and redemption
free of charge.
Investment Advantages:
 Investor can monitor daily performance of the previous day through CIB
website.
 Investors can monitor their investment performances through posts on
the weekly business pages of the newspaper.
 Corporate investors are granted funds free of tax in order to reap higher
returns.
 Osoul can be used as collateral against CIB lending facilities.
Customers Benefits:
 Higher interest rates than deposits
 90% overdraft facilities
 Personal loans
 Credit cards with no income proof up to 50K
b. Thabat Fund
Thabat Fund Benefits:
 Long Term Investment: Thabat Fund is an open-ended fund. A unique
product with daily subscriptions and monthly redemptions.
 No Subscription/ Redemption Fees: No subscription or redemption fees.
Returns achieved on your investments are free from any upfront fees.
 Low Investments Risk: Thabat fund enables you to participate in
underlying financial instruments such as treasury & corporate bonds and
other debt securities that generate high yields with minimum risk of
capital exposure.
 Monthly Liquidity: An open –ended fund with daily subscriptions and
monthly redemptions.
 Accessibility: Daily subscriptions till 12:00 p.m. through more than 150
branches across all Egypt.
 Tax Exemption for Retail and Corporate Customers: Thabat Fund returns
are all exempted from taxes as per the law
 Automatic Income Reinvestment: In Thabat Fund, income from all bonds
could be reinvested automatically and consistently added to the value of
the fund until fund distribution date.
 Professional Management: Thabat Fund is professionally managed by CI
Asset Management, a fully owned company by CIB.
 Diversification: Thabat Fund invests in many individual bonds so that
even a relatively small investment is diversified. An assortment of
secured fixed investment
Investment Guidelines:
Asset Allocation Asset %
Treasury Bills Max. of 70%
Treasury Bonds Max. of 100%
Repos Max. of 70%
20

21. CD's Max. of 60%
Corporate Bonds Max. of 40%
Time Deposits Max. of 20%
Mortgage Backed Securities Max. of 20%
Other Fixed Income or Similar Funds Max. of 20%
Lending facilities: Whenever in need for cash, apply for a credit facility up to 80%
of the Investment certificate Par Value at any point in time
Thabat Fund Features:
 Minimum subscription is 250 investment certificates.
 Daily subscription till 12:00 noon.
 Monthly redemption applications to be presented everyday till 12:00
noon to be executed on the first working Sunday of the month and
settled within 2 working days.
 Zero subscription & redemption fees.
 Possibility of quarterly distribution on the held units.
Thabat Fund Investor should be a CIB account holder of either a current or a
saving account.
c. Hemaya Fund
Hemaya Fund is the first in the Egyptian market with Capital Protection, 1 year
tenor, and monthly subscriptions and redemptions. Invest for one year with full
capital protection while aiming to reap high accumulated returns.
Hemaya Fund Benefits:
 Full Capital protection: Benefit from the upside performance of the
Egyptian stock market and have your initial capital fully protected at
maturity.
 Short-Term Investment: Hemaya fund is the only open-ended capital
protected fund in the Egyptian market with a One Year tenor.
 High Accumulated Returns: Enjoy boosting your earnings by investing a
maximum of 25% in local equity market to reap the upside performance
while preventing any downside effect in the market through your capital
Protection.
 Monthly Subscriptions & Redemptions: Subscriptions and redemptions
take place during the last five business days of every month till 12pm,
through all CIB branches, more than 150 branches throughout Egypt.
 Professional Management: Hemaya is professionally managed by CI Asset
Management (CIAM); a fully owned company by CIB.
 Diversification: Hemaya provides diversification through investing in the
following financial instruments:
21

22. Investment Guidelines:
Asset Allocation Asset %
Time Deposits Up to 20%
Treasury Bills Up to 20%
Treasury Bonds Up to 20%
Repos Up to 20%
Similar mutual funds, Money Market & Fixed
Income
Up to 20%
Local Equity Up to 25% from NAV
Sector
Up to 25% from Equity
Portion
Corporate Stock & Bonds for Related Parties Up to 20%
Facilities: Whenever in need of urgent liquidity before the One year maturity,
apply for a credit facility up to 90% of the investment par value, at any point of
time.
Hemaya Fund Features:
 Investors should be a CIB account holder
 Minimum Subscription: 50 units
 Subscription Fee: 0.25%
 Redemption Free
d. Istethmar Fund
Istethmar is an equity fund launched in April 2006 that aims to create a vehicle
that allows investors to invest in local and regional markets through moderate
risk investment strategies. The fund provide investors with moderate risk
exposure to diversify across short and medium term local stocks, GDR’s as well as
regional stocks.
Diversified Portfolio:
The fund invests in a variety of securities, with the majority of investments in
equity, and the option to invest a limited amount in fixed income tools.
Investment Guidelines:
Asset Allocation Asset %
Fixed Income Max. of 30%
Equity Max. of 100%
Corporate Stock Max. of 10%
Sector Max. of 25%
22

23. Other Mutual Funds Max. of 10%
Foreign Investments Max. of 25%
Rewarding Returns:
Fund with an initial size of EGP 100M, providing investors capital appreciation
through moderate risk investment across short and medium term investments.
Subscription & Redemption:
Open-ended funds provide investors the luxury of weekly subscription and
redemption through more than 150 CIB branches on the first day of every week.
Features:
Type Equity Fund
Structure Open Ended Mutual Fund
Inception Date April – 06
Initial Size EGP 100 Million
Bank Sponsored CIB
Fund Manager CIAM
Base Currency EGP
Min. Subscription 1 Investment Certificate
Financial Year End 31 December
Subscription & Redemption Weekly on first Working day of each week
Subscription Fee 0.25%
Redemption Fee 0.00%
Duration 25 years
Investment Advantages:
 Investors can monitor their investment performances through posts on
the weekly business pages of the newspaper.
 The fund is allowed to invest in other similar types of mutual funds.
 Diversification through access to regional and global markets.
e. Aman fund
The fund was launched in October 06, investing in a variety of securities. The fund
aims to create a vehicle that mainly invests in industrial, productive, and services
23

24. stocks, along with Sukuk and GDRs of local registered stocks, international and
regional stocks. The Shariah board is set by Faisal Islamic Bank.
Risk Diversification:
With an initial size of EGP 100M, the fund invests in a variety of securities with a
maximum regional and global exposure.
It is, also, allowed to invest in other Islamic mutual funds with a maximum of
10%, and not more than 5% of each fund, and a maximum of 10% in each stock
not exceeding 15% of its market capital.
Investment Guidelines:
Asset Allocation Asset %
Sukuk Max. of 30%
Equity Max. of 100%
Stock Max. of 10%
Sector Max. of 25%
Other Mutual Funds Max. of 10%
Subscription & Redemption:
Open-ended fund provides investors the luxury of weekly subscription and
redemption through more than 150 CIB branches.
Features:
Type Equity Fund
Structure Open Ended Mutual Fund
Inception Date October – 06
Initial Size EGP 100 Million
Bank Sponsored CIB & Faisal Bank
Fund Manager CIAM
Base Currency EGP
Min. Subscription 1 Investment Certificate
Financial Year End 31 December
Subscription & Redemption Weekly on first Working day of each week
24

25. Subscription Fee 0.25%
Redemption Fee 0.00%
Duration 25 years
Investment Advantages:
 Investors can monitor their investment performances through posts on
the weekly business pages of the newspaper.
 The fund is allowed to invest in other similar types of Islamic mutual
funds
 Diversification through access to regional markets.
D. Business Banking:
1. Financial Packages
CIB Business Banking Financial Packages offer financial services and various
discounts on most fees & charges based on the size of business. It also offers
superior value such as Payroll solutions, offers from CIB affiliates & sister companies
and special rates on deposits.
There are 3 packages that offer you discount up to 40% as highlighted below:
Base Package
Starts from EGP 20k up to 1M. This package offers the standard fees & charges along
with a dedicated relationship manager, special offers & rates from CIB & special
deals from CIB affiliates
Titanium Package (up to 20% discounts on most fees & charges)
Starts from EGP 1M up to 5M and offers the same benefits as the base package plus
discount up to 20% on most of your daily transactions, in addition to some
transactions with discount more than 20% (As per the table below)
Platinum Package (up to 40% discounts on most fees & charges)
For over 5M and offers the same benefits as the base package plus discount up to
40% on most of their daily transactions in addition to some transactions with
discount more than 40% (As per the table below)
Type of Transaction Base Package Titanium Package
Account Opening Fees 100 EGP 50%
Standing Instruction (Setting Up) 100 EGP 50%
Quarterly Statement 40 EGP Free
Signature Verifications on Documents 20 EGP 50%
Check book issuance
(Max two per month for 12 Checks book)
30 EGP Free
Check Collection 10 EGP 25%
25

26. (Drawn on local banks collected through
clearing house)
Trade Online (Monthly fees) Free Free
Cash Online (Monthly fees) 150 EGP 33%
Account Opening Fees 100 EGP 50%
Standing Instruction (Setting Up) 100 EGP 50%
Quarterly Statement 40 EGP Free
Signature Verifications on Documents 20 EGP 50%
2. Time Deposits
3. Current Accounts
4. Certificate of Deposit
5. Funds (Osoul, Thabat, Hemaya, Estethmar & Aman)
6. Payroll Services
E. Branches:
Local:
Region No. of Branches
Cairo 89
Alex 24
Sinai & Canal 18
Delta 7
Upper Egypt & Red Sea 18
Total 156
F. Non Performing Loans - NPL:
Rating June 30, 2014 December 31, 2013
Loans and
Advances %
Impairment
Provision %
Loans and
Advances %
Impairment
Provision %
Performing 86.98 30.60 87.65 31.49
Regular 5.74 7.60 4.93 5.32
Watch List 2.62 12.07 3.44 19.93
Non-Performing 4.66 49.73 3.98 43.26
G. Alternative Channels Banking:
1. Internet Banking
2. Phone Banking
3. Governmental E-Payment
4. ATM
5. Fawry Services
******************************
26

27. Qatar National Bank - QNB
A. About:
One of the largest private banks operating in Egypt. Established in 1978, it is one of the top
Egyptian Banks serving more than 600 thousand clients through 4200 banking professionals.
Offering a wide range of products serving almost every financial need of Corporate, medium
and small enterprises or individuals with a balanced focus on both Corporate and Retail
Banking. The bank network of branches reached more than 160 branches covering 24
governorates. Moreover; the bank keeps enhancing its multi-channels automated tools to
reach its clients through a network that reaches more than 350 ATMs, in addition to, a
dedicated call-canter.
About QNB Group
QNB Group has acquired the majority stake of the bank during 2013 and its name was
changed to QNB ALAHLI that was founded in Egypt in 1978 and since then it has been
expanding its activities to provide impeccable banking services to individuals and corporate
clients. In line with the privatization program that started in 2005, the bank acquired 90% of
Misr International Bank stocks at EGP 2.5bn, to be ranked second biggest private bank in
Egypt 2011. The bank established a number of subsidiaries in many specialized fields,
contributing to best positioning the bank in Egypt’s financial and banking activities. Financial
Leasing subsidiary established in 1997. It is first-of-a-kind and a leading finance lease entity
in Egypt, with a book value of rented assets worth EGP 1.632bn. Life Insurance Company,
established in 2003 to provide a diverse range of products to cater to the clients’ need for
saving, under the umbrella of some ultimate programs (Al Rafiq graduation, Al Rafiq
wedding, Al Rafiq Retirment, Al Rafiq projects & Al Nokhba Program). Factoring Company
Established in 2012, is a financial institution involved in all types of local and international
factoring services. Fully equipped with cutting-edge technologies and experts, providing
swift commercial solutions to meet all needs of clients. QNB ALAHLI enjoys a blend of local
experience, based on years of confidence in the Egyptian market, and the international
expertise of QNB Group, recently rated as the strongest bank worldwide. QNB Group
possesses 97.12% stake in QNB ALAHLI.
Credit Rating “Standard & Poor's”
Foreign Currency:
• Long-Term liabilities: B
• Short-Term liabilities: B-
Local currency:
• Long-Term liabilities: B
• Short-Term liabilities: B-
Sovereign:
• Long-Term: B
• Short-Term: B-
B. Retail Products:
1. Certificates
1.1 Certificates – Local Currency
1.1.1 Harmony Charity CD (Nahr El khier Charity CD)
Nahr El khier Charity CD is a medium term saving product that gives chance to be
more involved in charitable acts, where the variable interest is donated on monthly
or quarterly basis to Al Orman Charity Foundation and at maturity the CD principal
amount will be refunded to the owner.
Benefits:
 Monthly or Quarterly interest payment frequency
 Ability to purchase for minors or on behalf of others.
27

28.  Certificate's amount can be redeemed at any time after the first six months
of its issuance date.
 No restrictions concerning the number of CDs one may own.
General Conditions:
 Minimum opening balance is EGP 1000.
 CD duration is 3 years.
1.1.2 Harmony Cumulative CD
Harmony Cumulative CD is a medium term savings scheme, where you can deposit
funds and receive the accumulated interest and the CD original amount.
Benefits:
 Obtain credit facilities against the balance of the Harmony Cumulative CD
that could reach up to 90% of the CD amount.
 No limitations on neither the maximum amount of the CD nor on the
number of CDs.
 Can be issued in favor of others and minors.
 Can be refunded at any time after 6 months from issuance date from any of
QNB ALAHLI branches according to the breaking schedule published.
General Conditions:
 Duration 3, 5, 6, 7 or 8 years.
 Issued in Egyptian Pound only.
 The interest is calculated next to the issuance date and paid with the CD
original amount at maturity.
 The interest payment is at maturity for all the Cumulative CDs durations.
1.1.3 Harmony Fixed CD
Fixed CDs with varieties in durations either 3, 4, 5, 7 or 10 years.
Benefits:
 Interest on monthly, quarterly or semi-annual basis
 Interest could be added to the customer’s QNB ALAHLI current,
checking or savings account.
 Fixed interest rate throughout the CD duration.
 No limitations on the maximum amount of the CD or on the number
of CDs.
 Interest payments can be easily withdrawn 24 hour a day, 7 days a
week through QNB ALAHLI VISA Electron.
 Harmony Fixed CDs can be issued on behalf of others and minors.
 Obtain credit facilities against the balance of Harmony Fixed CDs
that could reach up to 90% from issuance date.
 Harmony Fixed CDs can be broken after 6 months.
General Conditions:
 Durations: 3, 4, 5, 7 or 10 years.
 Available in Egyptian Pound only.
 Interest is calculated next to the issuance date and paid throughout
the CD duration according to the periodicity chosen.
 The interest payment is at maturity for all the Cumulative CDs
durations.
1.1.4 Harmony Floating CD
Harmony Floating CD is a medium term savings vehicle that provides you
with monthly or quarterly interest payments, while benefiting from the
floating interest rate that will maximize your return.
Benefits:
28

29.  Floating interest rates based on the corridor rate of the Central Bank
of Egypt. Certificate's amount can be redeemed at any time after
the first 6 months from issuance date according to published
breaking schedule.
 Ability to reinvest interest payments to be a regular payment for
insurance premiums, loan installments or simply to be credited to
the savings account.
 The interest could be added to the customer's QNB ALAHLI current,
checking or savings account according to your choice.
 No limitations on the maximum amount of the CD or on the number
of CDs you can own.
 Interest payments can be easily withdrawn 24 hours a day, 7 days a
week through QNB ALAHLI visa electron.
 Harmony Floating CDs can be issued on behalf of others and minors
 Obtain credit facilities against the balance of Harmony Floating CDs
that could reach up to 90%.
 Harmony Floating CDs can be broken after 6 months from issuance
date.
 Available in 3 & 5 years duration with the choice of interest payment
frequency.
2. Time Deposits
I. Medium Term Time Deposit (My Time Deposit)
My Time Deposit is time deposit in Dollar, GBP and Euro with a competitive interest
rate that is fixed throughout the time deposit life time.
Benefits:
 Available in 2, 3 and 5 years durations.
 Interest is paid quarterly.
 Ability to obtain an overdraft facility up to 90% of the TD amount.
 No maximum number of My Time Deposit you may own.
General Conditions:
 Minimum age: 21 years old
 Customer must maintain an account at QNB ALAHLI (Current – Savings –
Checking)
 The minimum required amount for My Time Deposit is USD 5000, EUR 3000
& GBP 3000.
II. Short Term Time Deposit
QNB ALAHLI Short Term Time Deposits can be opened in both local and foreign
currencies.
Benefits:
 QNB ALAHLI Short Term Time Deposit is available in various flexible
durations starting from a week up to 1 year.
 Can be automatically renewed at the maturity date.
 Obtain credit facilities against the value of the Time Deposit.
 No maximum number of Time Deposit that you may own.
 Interest is paid at maturity.
 QNB ALAHLI 1 year TD is available in EGP only.
General Conditions:
 Minimum age: 21 years old
 Customer must maintain a valid account at QNB ALAHLI (Current – Saving –
Checking)
29

30.  The minimum required amount for TDs with Interest at Maturity:
Currency 1 Week and 2 Weeks 1 month and over
Local Currency EGP 100,000 EGP 5,000
Foreign Currencies The equivalent of USD 30,000 The equivalent of USD 5,000
 The minimum required amount for 1 year TD with monthly, quarterly or
semi-annual interest payment is EGP 25,000.
3. Current Accounts
 All types of individual banking transactions are allowed on this account.
 Customers can operate on this account by using checks or the QNB ALAHLI VISA
Electron Cards 24 hours a day 7 days a week.
 Direct debit of the monthly installment in case of obtaining any type of loan from
QNB ALAHLI due on your QNB ALAHLI VISA Credit Card.
 Account statements are sent monthly, quarterly, semi annually, or annually.
 This account can be accessed and managed using the Electronic Banking Services.
 Minimum balance: EGP 2500, USD 1000, EUR Equivalent of USD 1000, GBP
Equivalent of USD 1000
4. Checking Account
Checking Account offers the convenience and flexibility of a Current Account without
sacrificing the benefit of gaining interest
Benefits:
 All types of retail banking transactions are allowed on this account.
 Interest is calculated on daily basis and credited to the account on monthly basis.
 Checks can be used to manage this account.
 QNB ALAHLI VISA Electron card 24 hours a day 7 days a week.
 Direct debit the monthly installment in case of obtaining any type of loan from QNB
ALAHLI or debiting the monthly payments due on your QNB ALAHLI VISA Credit Card.
 Account statements are sent monthly, quarterly, semi-annually or annually.
 Offered in Egyptian Pound and the major foreign currencies (USD & EUR).
 This account can be accessed and managed using the Electronic Banking Services
offered.
 Minimum balance: EGP 10000, USD 3000, EUR 3000
5. Foreign Currency Saving Account
Benefits:
 Interest on account outstanding balance exceeding the minimum opening balance.
 Interest is credited to account on semi-annual basis.
 Offered in (USD, EUR & GBP).
 Account statements are sent on monthly, quarterly, semi-annually or annually basis.
 This account can be accessed and managed using the Electronic Banking Services
offered.
 Minimum balance: USD 500, EUR 500, GBP 500
6. Tawfeer Plus Account
Features:
 Bracket tiers based savings account
 Interest reach up to 9%
 Gain interest on each EGP 1
 Available in EGP only
 Higher interests on higher savings balances
30

31.  Account statements are sent monthly, quarterly, semi-annually or annually.
 QNB ALAHLI visa electron 24 hours 7 days a week.
7. Minor Tired Savings Account
Features:
 Interest on each EGP 1
 Interest is credited to this account on a quarterly basis
 Account statements are sent on monthly, quarterly, semi-annually or annually basis
according to your preference
 Offered in Egyptian Pounds
 Minimum age: Minors under 21 years old
 The minimum opening balance is 1 EGP
8. Credit Cards
I. VISA Credit Card
II. VISA Internet Card
9. Debit Cards
VISA Electron
10. Other Banking Services
Transclick (Standing Order)
Safe Deposit Box
11. Loans
I. CAR Loan
II. Cash Loan
III. Speed Loan
Benefits:
 Customers receive cash within only half an hour from visiting the branch.
 Get the full amount and settle it over suitable monthly installments.
 Automatic debit of the monthly installment from the customer’s account.
 Free life insurance policy granted throughout the repayment period.
 Minimum loan amount is EGP 2,000 and the Maximum is EGP 8,000.
 Loan Duration one, two or three years.
IV. Aqarat
 Finance up to 80% of the unit value
 Possibility to combine spouse salary
 Full salary transfer is not mandatory
 Life and Property insurance benefits
 Choose the unit you prefer whether it is registered or valid to registration
 Choose the best repayment methods and duration that suits your needs
 Enjoy an automated installment transfer from your account
 Maximum financing rate of the overall unit value is 80% for apartments and
Villas and 65% for summer house
 The units to be financed are apartments, villas and summer houses that are
registered or are valid for registration.
 Repayment Methods could be processed through:
 Regular Installments.
 Regular Installments with Pre-planned Bullet Payments.
 Decreasing Installments
 The ability to have co-borrowers though limited to 1st and 2nd degree
relative and same criteria applies.
31

32. V. Facilities against deposits and Themar
Over Draft against Fixed CD/ TD
 Up to 90% of the pledged deposit.
 No administration fees.
Loans against Fixed CD
 Up to 90% of the pledged certificate of deposit (CD).
 Duration of the facility matches the pledged CD duration.
Matching/Free Loans against Fixed CD
 Enjoy the benefit of receiving the present value of the interest earned on
your fixed CD upfront
 Installment matches monthly Interest for the facility limitation.
 Duration of the facility matches the pledged deposit duration.
Espresso Plus+
These are loans and overdraft facilities granted against the Cumulative CDs with a
limit of 90% of the (original amount + current interest cumulative amount). These
loans and overdraft facilities could reach up to 150% from the original CD
amount, depending on the elapsed time of the CD. Espresso Plus+ offers privilege
interest rates of 2% above the CD rate.
Facilities against Themar
 Themar provides you with the cash you could need for diversified needs
within 30 minutes from visiting your branch.
 The minimum loan amount is EGP 8,000 for loans & no minimum for ODA
(overdraft against Themar).
 The maximum limit granted is up to 80% of investment certificate purchasing
price.
 Flexible repayment periods yearly line to be renewed for ODA and up to 5
years for loans.
 Automatic monthly installment deductions from the current account.
12. SAFWA Universe
SAFWA Universe members receive access to tailor made benefits:
 Personalized banking experience through a dedicated SAFWA Relationship
Manager
 Dedicated cash service in the branches
 Free FonaBank service with 24/7 SAFWA treatment
 SAFWA fast track treatment in processing all banking requests
 Free SAFWA Checking account with preferred interest rate
 Free EGP sight Check collection inside the clearinghouse
 50% discount on the SAFWA Check books’ fees
 Free Savings account
 Free automatic transfers (TransClick service)
 Privileged Time Deposits rates based on the amount and duration
 Special credit facilities treatment in terms of limits and rates
 Special secured, car and cash loans admin fees
 Free NetaBank service with special daily transfers limit of EGP 30,000
 Special transfers rates (waiving the admin fees and swift charges as well as
discounted commission)
 Dealing with the bank remotely by fax
 Free cash withdrawal over the counter
32

33.  Free cash withdrawals from non QNB ALAHLI ATMs Locally (for SAFWA
payroll clients)
 Special VISA Electron daily cash withdrawal limit up to EGP 9,000
 SAFWA safe boxes
 SAFWA Premium Cards
 Medical and legal referral services
 Emergency cash disbursement
 Travel and general services
 Wallet content insurance
 Accidental outstanding balance credit coverage
 Extra services and insurance coverage for SAFWA Platinum Credit Card
13. YO!
 Special banking service to meet the needs of youth
 Minor Savings Account with no minimum required.
 Visa Electron Card: You can choose the color of visa electron card.
 Internet Card: You can choose the color of your internet card.
 Internet Banking; NetaBank: have access to your account 24/7
 Mobile Banking; Porta Bank: receive regular updates about your account
balance on your mobile.
 Applicable to the youth within the ages of 16 and 23.
14. Professional’s Program
Medical Sector Credit Facilities
1. The Medical Equipment Finance
2. Business Premises Renovation Finance Program
3. Pharmacies Clean Overdraft
4. Pharmacies Management Solution Finance
15. Life Insurance
 AlRafiq Graduation Savings Plan
 AlRafiq Wedding Savings Plan
 AlRafiq Project Savings Plan
 AlRafiq Retirement Savings Plan
 Al Nokhba Savings Plan in US Dollars
 Accidental Coverage Insurance
 Economical Life Insurance
 Borrowers Insurance Contracts
5. CorpStaff Products
 Payroll Automated Systems
 Car Financing Program
 Salary Advance
 Global Agreement
 CorpStaff Saving Account
 Visa Gold Business Card
6. Tamayoz
 Dedicated Tamayoz portfolio manager
 Tawfeer plus EGP tiered savings account
 TransClick service
 Increase your electron daily cash withdrawal limit up to LE6,000
 Special salary advance limit for Tamayoz payroll clients
 Special cash and residential mortgage finance interest rate
33

34.  Special residential mortgage finance application treatment
 Discounted secured and cash loan admin fees
7. Banky
 Dedicated Banky portfolio manager
 Tawfeer Plus EGP savings account
 Transclick service
 Mini PortaBank (2 SMS per month):
 Salary notification after crediting the salary
 Interest amount and savings account balance after crediting the monthly interest
C. Corporate Banking
1. Working Capital Finance.
2. Term Facilities to finance CAPEX and other Corporate Purposes.
3. Export & Trade Finance, Letters of Credit, Letters of Guarantee, Documentary
Credit etc.
4. Financial Leasing through QNB ALAHLI Leasing Company.
5. Structured Finance tailored for special financing needs, debt restructuring, debt
refinancing, etc.
6. Project Finance
7. Acquisition Finance
8. Arranging, managing & participating in primary & secondary syndicated facilities to
finance large size structured or project finance.
9. Financial Advisory Services.
10. Agency Services (Facility, Security & Escrow Agency)
11. Custody Services.
12. Commodity Finance & Hedging.
13. FX & Interest Rate Hedging.
14. Life Insurance Group Contracts through QNB ALAHLI Life Insurance Company.
15. Factoring through QNB ALAHLI Factoring Company.
16. Payroll Services.
17. Placements of Current, Call Accounts, Time Deposits, CDs & Money Market Funds.
18. Remote Banking (Phone, Mobile, & Fax).
19. Internet Banking (Cash Management, Trade Finance).
D. Investment Funds
I. Themar Money Market Fund
The fund aims to achieve daily cumulative return through investing in short-term,
liquid & low-risk investment vehicles
Advantages:
 Effective Cash Management tool.
 Credit facilities secured by the fund Investment Certificates (ICs).
 Returns are Tax exempted.
Purchase & Redemption:
 Investing in the fund is available for Egyptians and Foreigners both individuals
and institutions through QNB ALAHLI network of branches.
 Minimum purchase is 100 Investment Certificate for the first purchase with no
maximum.
 Quick and simple process for daily purchase and redemption free of any fees or
charges and without minimum or maximum limit.
34

35. II. Tadawol Equity Fund
The fund aims to achieve medium & long term growth through focusing on
investments with a high potential of capital growth.
Advantages:
 Investing in a diversified range of instruments particularly Egyptian Stocks, in
addition to fixed and variable income instruments.
 Returns are Tax exempted.
 Possibility of periodic dividends payment.
Purchase & Redemption:
 Investing in the fund is available for Egyptians and Foreigners both individuals
and institutions through QNB ALAHLI network of branches.
 Weekly purchase and redemption free of any fees or charges and without
minimum or maximum limit.
III. Tawazon Balanced Fund
The fund aims to achieve growth through investing in Equities in addition to stability
through investing in fixed income instruments.
Advantages:
 Combining the benefits of investing in Equities and Fixed Income instruments.
 Diversifying investment vehicles in a variety of activities to minimize risk.
 Returns of the fund are Tax exempted.
 Possibility of periodic dividends payment.
Purchase & Redemption:
 Investing in the fund is available for Egyptians and Foreigners both
individuals and institutions through QNB ALAHLI network of branches.
 Weekly purchase and redemption free of any fees or charges and without
minimum or maximum limit.
E. Investment Banking
I. Project & Structured Finance:
 Structuring and management of medium, large & mega size complex
transactions, including those entailing investment solutions.
 Project financing, mergers & acquisitions, buy-outs, refinance facilities, and
multi-tiered structured financing.
II. Financial Advisory Services:
 Assessing & identifying the optimum alternatives for financing & investment
solutions to assess feasibility & maximize expected returns.
III. Debt Arrangements & Syndicated Facilities:
 Debt Arrangements & managements of club deals and syndicated facilities
whether among limited number of banks, or among large group of banks to
raise the required financing.
IV. Agency Services:
 Facility Agency, Security Agency, etc.
F. Treasury & Dealing Room
QNB ALAHLI Treasury & Dealing Room trades in the local and foreign capital markets
and offers a wide range of treasury Instruments to suit the different client needs as
follows:
Managing the clients FX transactions through trading in major currency markets.
Money market activity for major currencies.
35

36. Fixed income activity via a primary market & secondary market for different types of
governmental issues.
Assist companies in managing their risk via analyzing the business, in order to reach
the best solution for risk management using the available hedging tools for foreign
exchange and interest rates.
G. SMEs
I. Consultancy
 Financial advisory: Offering advices (financial – banking – finance) for projects
innovation & provide aid in preparing the required studies according to various
financing types.
 Trade finance advisory: Offering information for exporters & importers about
various external markets & its laws in co-ordination with correspondents in
more than 100 countries.
 Personal investment advisory: For businessmen & managers in which Safe
investments opportunities differ according to currency type & various savings
products in local and international markets.
II. Finance & Facilities
 Expansion and development of projects: Presenting the best solutions for
financing (Production lines, Machinery equipments, Transportation vehicles &
trucks, Administration Offices, Exhibitions, and Warehouses) for tenors up to 5
years.
 Financing working capital:
o Revolving Facilities (commercial papers, assigned contracts, export
documents, local purchasing orders).
o Credit facilities for issuance L/Cs & L/Gs.
 Personal Finance for businessmen
o Car loans in 72 hours.
o Visa cards.
o Mortgage finance programs with tenors up to 15 years.
III. Services
 Fully fledged banking services:
o Opening accounts, T/Ds, Certificate of deposits.
o Issuing certified checks, bank drafts, outgoing transfers, collection of
checks & bills.
o Issuing Import L/Cs & Documentary Collection.
o Confirming & Advising Export L/Cs.
o Issuing all types of L/Gs local/foreign.
 Non banking services:
o Life insurance, end of service funds for employees.
o Book keeping, securities custody.
In addition QNB offers three packages for SMEs companies / partners & shareholders with
a special discount:
Mazaia Marhaba POS – SMEs
Current Account Current Account Current Account
Netabank Netabank POS
Check Book Check Book Visa Business Debit
Visa Gold card SMEs Visa Business Netabank
36

37. Fona Bank Check Book
Visa Electron card
H. Branches:
Region No. of Branches
Cairo 115
Alex 14
Sinai & Canal 13
Delta 10
Upper Egypt & Red Sea 11
Total 163
I. Non Performing Loans - NPL:
Rating December 31, 2013 December 31, 2012
Loans and
Advances %
Impairment
Provision %
Loans and
Advances %
Impairment
Provision %
Performing 91 14 91 14
Regular 5 21 6 30
Watch List 0 2 0 0
Non-Performing 4 63 3 56
J. Alternative Channels Banking:
1. Email@Bank: service that allows clients to keep track of their accounts.
2. Phone Banking
3. Internet Banking
4. Portal Bank (SMS)
5. ATM
******************************
37

38. Barclays Egypt
A. About:
Barclays is a major global financial services provider engaged in retail and commercial
banking, credit cards, investment banking, wealth management and investment
management services, with an extensive international presence in Europe, the USA, Africa
and Asia.
Barclays has been present in the Egyptian market since 1864. Barclays re-entered Egypt 30
years ago as a joint venture company with Banque du Caire with Barclays PLC increasing its
shareholding equity to 60% by 1999. In March 2004, Barclays acquired 100% ownership of
the business and continued since then. Barclays has a wide network of 54 branches all over
Egypt. Almost 60% of Barclays Egypt branches are in three major governorates which are
Cairo, Giza and Alexandria.
Barclays operates in over 50 countries and employs approximately 127,000 people. In Egypt,
Barclays has a wide network of 54 branches and 85 ATMs all over the country. Its 1500
employees serve a well spread client base including leading international, regional and
domestic companies as well as a strong base of retail banking customers approximately
127,000 customers across the country.
Barclays Bank Egypt has further expanded its product offerings through 2008 with a focus on
retail and Premier tailor-made products serving all customers’ needs such as the car finance
scheme, personal loans, daily interest bearing accounts and cards business.
Barclays dedicate up to 1% of its profits before tax to corporate social investment initiatives.
In October 2009, Barclays Egypt won the Africa investor Investment and Business Leader
Award for the Best Initiative in Support of SMEs and the Millennium Development Goals.
Barclays Egypt has also received 2 awards from Visa international in 2009 in recognition of
2008 performance: 1) Fastest Growing Credit card Portfolio in Egypt and 2) Superior
customer Service Cycle. In 2011, Barclays Egypt Received the “Most Effective Recovery of
the Year Award” organized by the Continuity, Insurance and Risk Magazine (CIR) in London
as a tribute to the professionalism of the colleagues at Barclays Bank Egypt and the ability
they manifested in maintaining a clear focus on serving customers and keeping the
operations running seamlessly in the midst of an unprecedented revolt in Jan 2011. Barclays
also received the “Global Retail Bank Business Continuity Award”, which recognizes
excellence in business continuity and operational risk management.
B. Retail Products:
Time Deposits & Certificates
Barclays has a wide variety of Time Deposits and certificates of deposit for the short term
and medium term. Periods from 1 month to 5 years and convenient interest pay-outs
(monthly, quarterly, annually or at maturity).
 Offered in one, three, six or twelve month's investment terms in Egyptian Pounds
and up to 3 months in major foreign currencies.
 A guaranteed interest rate is offered and varies depending on the amount of the
deposit, which means that higher balances will be awarded higher interest rates.
1. Barclays Flexi 3 in 1 Time Deposit
 Offered in twelve month's investment terms in Egyptian Pounds only.
 A guaranteed flat fixed interest rate is offered yearly.
 No penalty for withdrawal before maturity, tiered interest rates will be paid for
different quarters for the balance amount.
38

39. 2. Barclays Maxi Time Deposits
 Offered in twelve month's investment terms in Egyptian Pounds only.
 A competitive guaranteed flat fixed interest rate is offered
 An early breaking fee of 3% from the withdrawn amount for all withdrawals before
maturity.
3. Barclays 3 Year Golden Certificate
 Duration is 3 years starting from the first business day after certificate purchase.
 Competitive interest rates are offered and vary according to interest payout
(Monthly - Quarterly - Annually - at Maturity).
 Interest rate is fixed throughout the certificate period.
 Minimum breakage period is 6 months; no withdrawal can be made during the first
6 month.
 Minimum amount for Certificate purchase is EGP 5,000 and its multiples.
4. Barclays 5 Year Platinum Certificate
 Duration is 5 years starting from the first business day after certificate purchase.
 Competitive interest rates are offered and vary according to interest payout
(Monthly – Quarterly – Annually – at Maturity).
 Interest rate is fixed throughout the certificate period.
 Minimum breakage period is 6 months; no withdrawal can be made during the first
6 month.
 Minimum amount for Certificate purchase is EGP 10,000 and its multiples.
5. Overdrafts
 Overdraft is lending against Time Deposits and Saving Certificates.
 Lending up to 90% of blocked amounts.
 Competitive Overdraft debit interest is calculated daily and debited monthly
6. Current Accounts
 For individual and business
 Visa Electron card is issued upon account opening which allows you to access your
funds 24 hours a day, 7 days a week by either purchasing from any point of sale or
withdrawing from ATMs. You can purchase and or withdraw up to EGP 10,000 per
day provided the money is available in your account.
 Checkbook issuance is also available depending on customer needs.
 Current Account is also available in major foreign currencies such as, US Dollars,
Sterling Pounds and EURO.
 Minimum balance required to open the account is EGP 5,000.
 Current Accounts are subject to Account Opening Fees, Monthly Maintenance Fees,
and are not subject to interest.
7. Youmi Account
Youmi is a current account that pays interest on your daily balances.
 For individual and business
 Interest rates vary according to the account balance; the higher the balance is
maintained the higher interest rate is received.
 Interest is calculated Daily and paid Monthly.
 Youmi Accounts are opened with a minimum balance of EGP 10,000, and are subject
to Account Opening Fees, Monthly Maintenance Fees, and Minimum Balance Drop
Fees (for balances less than EGP 10,000).
39

40.  A Debit card is issued upon account opening which allows you to access your funds
24 hours a day, 7 days a week by either purchasing from any point of sale or
withdrawing from ATMs.
8. Premier League Saver account
Premier League Saver account is a saving account that pays interest quarterly plus
the Barclays Premier League Debit Card. An exciting and extremely competitive Debit
Card with a host of great privileges & rewards.
 For individuals only
 Available in Local currency.
 The interest accrued monthly on minimum balance for the month.
 Account is accessible for withdrawal 24 hours a day, 7 days a week through Barclays
Premier League Debit Card. An exciting and extremely competitive Debit Card with a
host of great privileges & rewards issued at account opening for EGP10 without any
annual fee. It allows access to your funds through an extensive VISA / 123 networks.
 The Barclays Premier League Debit Card has an enhanced cash withdraw limit of up
to EGP 20,000 per day and Spend limit of up to EGP 20,000.
 EGP 25,000 required as minimum balance to open and maintain in the account.
 Monthly Balance Drop fee of EGP 50 in case of non-maintenance of balance.
9. Instant Saving Account
Instant Saving Account is a saving account where the interest rate varies according to
account balance
 For individuals only
 Instant Savings Account is available in major foreign currencies such as, US Dollars,
Sterling Pounds and EURO.
 Interest is calculated daily and paid quarterly.
 Account is accessible for withdrawal 24 hours a day, 7 days a week through Visa
Electron Debit Card.
 A minimum balance is required to open and maintain the account, EGP 5,000 for
EGP accounts, USD/GBP/EUR 500 for foreign currency accounts.
 Instant Savings Accounts are subject to Account Opening Fees, Monthly
Maintenance Fees, and Minimum Balance Drop Fees (for balances less than EGP
5,000).
10. Unlimited Transactional Account – Personal
For individuals and available in Local currency, this new account is perfect to conduct
your daily transactions. Open this account and transact for free on 10 transactional items.
 FREE account opening fees
 FREE maintenance fees
 FREE BPL Debit card - Account is accessible for withdrawal 24 hours a day, 7 days a
week through Barclays Premier League Debit Card. An exciting and extremely
competitive Debit Card with a host of great privileges & rewards issued at account
opening for EGP10 without any annual fee. It allows access to your funds through an
extensive VISA / 123 network
 FREE ATM withdrawal fees from NON Barclays ATM
 FREE checkbook issuance
 FREE Stop payment on checks
 FREE Inward transfers on EGP
 FREE Internal Standing instructions
 FREE statement re-generation
 FREE signature verification
A minimum balance is required to open and maintain the account, EGP 10,000
40

41. 11. Barclays Unlimited Transactional Account – Business
For business owners and available in Local currency, this new account is perfect to
conduct your daily business transactions. Open this account and transact for free on 9
top transactional items.
 FREE check for collection
 FREE account opening fees
 FREE maintenance fees
 FREE checkbook issuance
 FREE Stop payment on checks
 FREE Inward transfers on EGP
 FREE Internal Standing instructions
 FREE statement re-generation
 FREE signature verification
A minimum balance is required to open and maintain the account, EGP 100,000
12. Credit Cards
a. Barclays Premier League Card
b. Barclays Classic VISA Card
c. Barclays Gold Card
Credit Cards Fees and Installments Pricing
Fees & Charges Premier
League
Card
Classic
Card
Gold Card
Joining Fee LE 100 LE 100 LE 200
Annual membership fee LE 100 LE 100 LE 200
Supplementary Joining and Annual fee LE 50 LE 50 LE 100
Purchase interest rate 2.4% 2.4% 2.4%
Cash interest rate 2.4% 2.4% 2.4%
Cash withdrawal fee per transaction 2% / LE 20,
whichever
is higher
2% / LE 20,
whichever
is higher
2% / LE 20,
whichever
is higher
Foreign exchange fee 2.25% on
all
currencies
2.25% on
all
currencies
2.25% on
all
currencies
Late Payment Fee LE 75 LE 75 LE 75
Over Limit Fee LE 75 LE 75 LE 75
Statement Regeneration Fee LE 15 LE 15 LE 15
Card Replacement Fee LE 50 LE 50 LE 100
Pin Regeneration Fee LE 10 LE 10 LE 10
SMS Monthly Fees LE 10 LE 10 LE 10
Physical Statement Monthly Fee (Optional) LE 5 LE 5 LE 5
41

42. Settlement Letter Fee LE 75 LE 75 LE 75
Balance Letter Fees LE 50 LE 50 LE 50
Tenor (in Months) 3 6 12 18 24 36 48 60
Easy
Installment
Plan(EIP)
Reducing
rate per
month
1.63% 1.84% 1.94% 1.96% 1.95% 1.91% 1.87% 1.83%
Balance
Transfer
Facility(BTF)
Reducing
rate per
month
1.48% 1.67% 1.77% 1.79% 1.78% 1.75% 1.71% 1.68%
Cash On Call
(COC)
Reducing
rate per
month
1.64% 1.86% 1.96% 1.97% 1.97% 1.93% 1.88% 1.84%
Early Settlement Fee 4% of the outstanding principle
13. Debit Cards
 Barclays Premier League Debit Card
Barclays Premier League Debit cardholders will have access to their funds anywhere
anytime from their BPL Saver accounts through BPL Debit Card. Daily cash
withdrawal limit is EGP 2,500 per day with a monthly cap of EGP 65,000 & the
purchasing limit is EGP 20,000 per day with a monthly cap of EGP 50,000
 Barclays Visa Electron Debit Card
Barclays Visa Electron Debit Card provides you with complete peace of mind. With
Barclays Visa electron, you can be confident that managing your finances is not only
flexible and secure but also entitles you to the some benefits.
14. Barclays Loan
 Rapid decision for loan on the following day of application
 Financing up to 84 months with Barclays loans
 “Buy-Out” program offering longer repayment conditions and lower monthly
payments
 Barclays can help with additional financing requirements with “Top-Up” loans
Personal Loan requirements
 Loans from LE 5,000 up to LE 150,000
 Time to repay 6 months to 84 months
 Salaried employees
 Age 21-66 years
Buyout requirements
 Completed & signed application form, Copy of valid National ID, Utility bill / copy of
driving license, Original balance certificate stamped
 HR Letter OR 3 months bank statements OR 3 recent salary slips
Professional Loan requirements
 Loans from LE 5,000 up to LE 250,000
 Time to repay 6 months to 84 months
 Professionals only (doctors, dentists, pharmacists)
 Age 30-66 years
42

43. 15. Credit Shield Insurance
This credit insurance pays the outstanding balance of the card up to 100,000 LE In
case of death, disability or critical illness only for the cost of 6.5 L.E for every 1000
L.E, and in case the card has no outstanding balance nothing is paid, thus the shield
protects exposure according to amounts spent.
16. Premier Banking
 Premier banking offers world-class liability products at preferential interest rates.
 A dedicated team of professionals consists of:
 Dedicated Premier Relationship Manager
 Dedicated Premier Personal Banker
 Dedicated Premier Teller prioritizing and ensuring minimal time spent for
processing your transactions
 Dedicated Premier Call Centre Agents providing 24/7 service
 Transacting via Fax (subject to signing FTOS form).
 30 elegantly designed centers across the country and ease of accessibility to meet
with your relationship manager to discuss and carry out banking transactions in total
privacy and comfort. The exclusive Premier Flagship Branch in Alexandria is highly
sophisticated and well designed serving as complete personal business hubs for
Premier Customers. Meeting rooms equipped with state-of-the-art technology
including; Wi-Fi, colored printing, video conferencing and more. Exclusive access to
eleven flagship branches in nine countries across the globe.
 Premier customers get exclusive access to dedicated Premier Call Centre operating
24 hours a day and 365 days a year.
 Elegant Welcome Pack with a Gift at account opening.
 Premier Debit Card
 Discounts and Benefits
 Premier Campaigns & Promotion
 Fees and Charges (Double Click on image to view)
C. Prestige Banking
 Special attention & Guidance
Experienced relationship managers to help ensure that client’s financial requirements
are well looked after and to introduce the most suitable product or service.
 Speed, Priority Service & Convenience
1. Prestige Banking gives priority service at the branches.
2. All main banking transactions can be done by phone thru Prestige Banking call
center.
3. A whole suite of digital services that:
 e-statement and internet Banking .
 i-ATMs (Intelligent ATMs - deposit or withdraw 24/7)
 Frequent updates via e-mail on new offers and promotions.
 Value
Prestige customers benefit from the following products & benefits
 Special designed Platinum Debit Card
 ‘Unlimited’ Transactional account
43

44.  Free Unlimited ATM withdrawals
 Prepaid accidental life & disability insurance
 Special rates on ‘BPL saver’ account and loans
 Access to team of Relationship Manager
 Fast track service inside branches and call center
 Dedicated Call center number & Web page
 Welcome Gift - Prestige Banking branded Business Note Book
D. Commercial Banking
 Cash Management
Cash management (Collections, Payables, Liquidity and Investment services)
Cash Management Product’s Features:
Account Management, Transaction Management, Check Collection Services from
client' locations and providing full reconciliation support, Bulk Cash collection from
clients' locations.
 Trade Services
1. Letter of credit
Letters of Credit (LC) are used to mitigate the various risks inherent in international
trade. Be it buyer’s risk, country risk or most importantly payment risk, the issuing
bank guarantees payment to the supplier provided the terms and conditions of the
letter of credit have been complied with. BARCLAYS BANK EGYPT offers various
forms of irrevocable LCs including:
 Import letters of credit
 Revolving Letters of credit
 Transferable Letters of credit
 Standby letters of credit
2. Import Documentary Collections
BARCLAYS BANK EGYPT provides prompt advice upon receipt of documents and
efficient payment according to customer’s instructions. Under documentary
collections, overseas suppliers present appropriate documentation to their bankers
which are then forwarded to Barclays Bank to facilitate collection on their behalf.
Different forms of financing can be arranged based on the presentation of
appropriate documentations.
3. Import Letter of Credit Refinancing/Import Bills Refinancing
This is usually applicable in instances where certain unfavorable market conditions
exist on the due payment date and for one reason or another, the applicant is not
able to make settlement. Barclays Bank arrange to make settlement of both SIGHT
and USANCE import letters of credit or documentary collections on customer’s
behalf and refinance locally up to 270 days after payment date depending on
customer’s requirements. This can be applied in various instances and ultimately
provides flexibility to manage customer’s cash-flows.
 Loans and Finances
Overdrafts, Short Term Loans, Medium Term Financing, Checks Discounting,
Distributor Finance scheme and Discounting Export Documents.
 Treasury
Products/Services offerings:
1. Foreign Exchange
 Spot foreign exchange transactions against Egyptian Pounds
 Spot foreign currency crosses
44

45.  Foreign currency forwards and swaps against Egyptian Pounds
 Currency forwards and swaps
2. Risk Advisory
Tailor-made market risk management solutions, utilizing financial derivatives,
designed to manage:
 Foreign Exchange Risk
 Interest Rates Risk
 Commodity Risk
3. Yield Enhancement
Products designed to give investors an enhanced return over plain vanilla
deposits
 Dual Currency Deposits
 Market-linked Deposits
 Structured Notes
4. Governmental Debt Securities - GDS
Barclays Bank trades debt securities on behalf of their corporate, institutional
and retail clients
 Treasury Bills
 Treasury Bonds
5. Asset & Liability Management- ALM
Liquidity management strategies
6. Research
Client gets access to world-class economic research from Barclays Research
Centre.
 Structured Products
Bond Issuances, Syndicated Loans, Acquisition Finance, Project Finance, Structured
Trade Finance, and Debt Advisory.
Investment Banking
The role of Barclays investment bank is to aid clients in maximizing their shareholder
value. Barclays Investment Banking division offers an array of services. These
services range from debt capital market services to corporate finance services.
The Debt Capital Market services include syndicated loans, bond issuance,
acquisition finance, project finance, structured trade finance and debt restructuring
advisory.
As for the Corporate Finance services, they comprise of valuation Advisory, buy side
advisory, asset disposal programs and divestitures, management and leveraged
buyouts.
Barclays' Investment banking function objectives is to create value by, developing
innovative financing structures, providing industry-specific knowledge, developing
market knowledge that adds value to clients' capital-raising ability and creating
entirely new strategies to pioneer new markets.
45

46. E. Branches:
Local:
Region No. of Branches
Cairo 28
Alex 8
Delta & Canal 12
Upper Egypt & Red Sea 6
Total 54
F. Alternative Channels Banking:
1. Internet Banking
2. ATM
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47. Mashreq Bank Egypt
A. About:
Mashreq has provided banking and financial services since 1967. Mashreq is one of UAE's
leading financial institutions with a growing retail presence in the region including Egypt,
Qatar, Kuwait and Bahrain. Mashreq is among the highest performing banks in the region.
Last year it recorded a Net Profit of AED 803 million from a Total Operating Income of AED
4.4 billion over the same period. At the end of last year Total Assets stood at AED 84.8
billion. Mashreq branch network extends across the UAE with one in every two households
in the UAE banking with us. They also have customer service centers in key retail locations
and one of the largest ATM networks in UAE. They also have 12 overseas offices in nine
countries, including Europe, US, Asia and Africa.
B. Retail Products:
Account and Deposits
1. Current Account
The Basic current account from Mashreq offers basic transactional banking
services. A nominal account maintenance fee of EGP 20 is charged if minimum
monthly balance falls below EGP 2000, No interest.
2. Basic Savings
The Basic Savings Account gives the freedom to conduct banking transactions at no
cost, while earning a return on the deposit. A nominal account maintenance fee is
charged if the average monthly balance falls below the prescribed minimum. An
account maintenance fee of EGP 20 per month is charged if minimum monthly
balance falls below EGP1000. Interest Rate 6 % Interest paid semi-annually.
3. Easy Saver
The Easy Saver from Mashreq gives the ideal combination of flexibility and ease of
operation. With no minimum balance requirements, you can open an account with
just EGP 50 and start saving immediately. Account is credited every end of month
with the interest based on the average monthly balance. As an existing customer
you can open your Easy Saver account online when you sign in to online banking.
Interest Rate is 6% PA.
Easy Saver from Mashreq Features
 Complete deposit flexibility with no restrictions on amounts, frequency, timing
or the minimum balance.
 Earn interest from the very first pound you deposit at 6% p.a. as long as there
are no withdrawals in the month. Any debit transactions other than a standing
order or loan recovery is considered a withdrawal.
 Unlimited transactions and money transfers using online banking services.
4. Current Account Plus
The Current Account Plus offers all the features available to Current Account
Holders Current account plus is an interest bearing account that is used to
transactional banking (day to day banking needs). An account maintenance fee of
EGP 20 per month is charged only if your minimum monthly balance falls below
EGP5000. Interest Rate 3%
5. Step-up Saving Account
The Step-Up Account puts the client in charge of his savings plans. The higher the
balance, the higher the rate of interest it earns with the flexibility to conduct
transactions, pay bills or transfer funds while continuing to earn returns.
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48. Interest paid every calendar quarter
EGP 0 - EGP 3,999: 0.00%
EGP 4000 - EGP 99,999: 5.00%
EGP 100,000 - EGP 399,999: 6.00%
EGP 400,000 - EGP 999,999:7.00%
EGP 1,000,000 and above: 8.00%
6. Credit Cards
Mashreq Platinum Credit Card
Privileges with Platinum
 Up to 1.5% Cash Back on all purchases.
 Reward Points on all purchases.
 Complimentary Priority Pass membership giving access to airport lounges at
over 300 airports across the world.
 Up to 50% discount at over 50 leading merchant partners.
 Interest rate of 1.99% for retail transactions and 2.25% for cash transactions.
 High Credit Limit.
 Privileged experiences through MasterCard Premium Collection and MasterCard
Moments.
 Supplementary Cards Free of issuance fee for 1st year.
 SMS alert service.
 With Lost Card Liability once card has been reported and marked as lost, liability
of any new transactions would not be with the Card member.
 MasterCard Global Service for Emergency Assistance.
 Over 27 million merchant outlets and 1.6 million ATM locations across 210
countries around the world.
 Transfer credit card balance from other banks and get 0% interest charged for
the first three months
 Easy Payment Plans at 0% interest ‘buy now and pay later’ in convenient
monthly installments
 Pay as little at 5% monthly
 Up to 55 days as grace period
 Monthly Statement of Account provides a detailed list of monthly card
transactions, minimum amount due, payment due date and the total
outstanding balance.
 Call Centre any 24hours/7 days a week
Mashreq Titanium Credit Card
 Up to 1% Cash Back on all purchases.
 Reward Points on all purchases.
 Up to 50% discount at over 50 leading merchant partners.
 Complimentary Lounge Access at Cairo and Dubai International Airports.
 High Credit Limit.
 MasterCard Premium Collection and MasterCard Moments.
 Supplementary Cards Free of issuance fee for 1st year.
 SMS alert service.
 With Lost Card Liability once card has been reported and marked as lost, liability
of any new transactions would not be with the Card member.
 MasterCard Global Service for Emergency Assistance.
 Over 27 million merchant outlets and 1.6 million ATM locations across 210
countries around the world.
 Transfer credit card balance from other banks and get 0% interest charged for
the first three months.
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49.  Easy Payment Plans at 0% interest ‘buy now and pay later’ in convenient
monthly installments.
 Pay as little at 5% monthly.
 Up to 55 days as grace period.
 Monthly Statement of Account provides a detailed list of monthly card
transactions, minimum amount due, payment due date and the total
outstanding balance.
 Call Centre any 24hours/7 days a week
Mashreq Classic Credit Card
 0.5% Cash Back on all purchases.
 Reward Points on all purchases.
 Up to 50% discount at over 50 leading merchant partners.
 Supplementary Cards Free of issuance fee for 1st year.
 SMS alert service
 With Lost Card Liability once card has been reported and marked as lost, liability
of any new transactions would not be with the Card member.
 MasterCard Global Service for Emergency Assistance.
 Over 27 million merchant outlets and 1.6 million ATM locations across 210
countries around the world.
 Transfer credit card balance from other banks and get 0% interest charged for
the first three months.
 Easy Payment Plans at 0% interest ‘buy now and pay later’ in convenient
monthly installments.
 Pay as little at 5% monthly.
 Up to 55 days as grace period.
 Monthly Statement of Account provides a detailed list of monthly card
transactions, minimum amount due, payment due date and the total
outstanding balance.
 Call Centre any 24hours/7 days a week.
Easy Payment Plan
 Buy anything you want with Mashreq Credit Cards and pay later through
monthly installments at 0% interest rate.
 Buy at partner outlets and enjoy a 6 months easy payment plan with 0%
interest rate.
 Buy anywhere else and enjoy a 3 months easy payment plan with 0% interest
rate.
7. Debit Cards
 VISA Debit Chip Card
With access to over 37,000 retail outlets & 4000 ATM's in Egypt, and over 30 million
retail outlets & 1.4 ATMs around the world.
C. Business Banking
 Value Current Account
Requirements
 Maintain a monthly average balance of EGP 50,000.
Features
 Competitive daily interest rate up to 5 %.
 1st Cheque Book Free.
 Access to array of business and personal financing products.
 Dedicated Relationship Manage.
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50.  Premium Current Account
Requirements
 Maintain a monthly average balance of EGP 100,000.
Features
 Competitive daily interest rate up to 5 %.
 1st cheque book free.
 Discounted pricing on all transactions.
 Preferential access to business and personal financing products.
 Dedicated relationship manager providing proactive account management.
 Platinum Current Account
Requirements
 Maintain a monthly average balance of EGP 500,000.
Features
 Competitive daily interest rate up to 6 %.
 Free teller transactions and Cheque books.
 Dedicated Relationship Managers providing proactive Account management.
 Access to array of business and personal financing products.
 Small Business Loan
The SBL was created by Mashreq Bank to help SME's (Small & Medium Enterprises)
finance their business needs. Which enables companies to pay its suppliers, Extend
its business or invest the amount.
 Collateral free loans up to 1.5MM EGP.
 Simple documentation and quick approval process.
 Flexible repayment period up to 48 months.
 Cash in account after 5 working days.
 Dedicated Relationship Manager.
 Free current account.
 Free check book.
 Trade and Working Capital
Features
 Access to a comprehensive suite of Import and Export related products
including Letters of Credit, Guarantees, Discounting, Negotiations,
Documentary Collections etc. to meet your foreign trade needs.
 Short and Medium term financing.
 Access to dedicated Relationship Managers.
D. Branches:
Local:
Region No. of Branches
Cairo 9
Alex 1
Total 10
E. Alternative Channels Banking:
1. Online Banking
2. Online Money Transfers
3. Personal Direct Banking by telephone 24/7.
4. ATMs
5. Online Utility Bill Payment (Fawry)
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51. Emirates NBD
A. About:
Emirates NBD was formed on 16th of October 2007 when the shares of Emirates NBD were
officially listed on the Dubai Financial Market (DFM). The Emirates NBD 2007 merger
between Emirates Bank International (EBI) and the National Bank of Dubai (NBD) combined
the second and fourth largest banks in the United Arab Emirates to form a bank capable of
delivering enhanced value across corporate, retail, private, Islamic and investment banking
throughout the region.
Emirates NBD's has 220 branches and over 927 ATMs and Cash Deposit Machines (CDMs)
spread across UAE and overseas. It is also a major player in the corporate banking area. With
fast-growing Islamic banking affiliated entities, strong investment and private banking
services and a leadership in the field of asset management products and brokerage services.
As of 31 December 2013, total assets were AED 342.1 billion. The Group has operations in
the UAE, Egypt, the Kingdom of Saudi Arabia, Qatar, Singapore, the United Kingdom, and
representative offices in India, China and Indonesia.
Currently, more than 9,000 people, representing 70 nationalities, are employed by Emirates
NBD, making it one of the largest and most culturally diversified employers in the UAE.
Emirates NBD entered the Egyptian market on June 2013 through the acquisition of the BNP
Paribas subsidiary in Egypt.
The bank in Egypt demonstrated remarkable growth on all fronts since its establishment,
and is currently operating with more than 1500 employees and over 70 branches and units
with wide geographic coverage in Egypt including major districts and cities such as Greater
Cairo, Giza, Alexandria, North Coast, Delta, Upper Egypt, Sinai and the Red Sea. Emirates
NBD Egypt offers its clients a broad range of sophisticated products and services in three
major segments – Corporate Banking, Retail Banking and Investment Solutions.
B. Retail Banking:
1. Accounts
1.1 Current Account
Features & Benefits
 Non-interest bearing account.
 Offered to individuals and companies.
 Local and major foreign currencies.
 Account can be opened with a minimum of EGP 2,500 or the equivalent of
USD 1,000 in a foreign currency.
1.2 Current Account Plus
Features & Benefits
 Interest-bearing account that is calculated daily on the end of day closing
balance.
 Offered to individuals and companies.
 Currency: Local and major foreign currencies.
 Account can be opened with a minimum of EGP 10,000 or the equivalent in
any major foreign currency.
 Interest calculation: daily.
 Interest payment: monthly, provided daily balance does not fall below EGP
10,000 at any point during the month.
 Issuance of a checkbook linked to the account.
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