The SME Banking Egypt 2016 was a huge success, and gathered top banking and financial professionals from the region to congregate and discuss strategies to support the Egyptian economy and promote SMEs. The event was held on the 16th and 17th of May, 2016 at the Fairmont Nile City Hotel, Cairo, Egypt.
The event featured opening addresses by the Executive Director of the Egyptian Banking Institute, Dr. Mona El Baradei, along with the Deputy Governor of the esteemed Central Bank of Egypt, Ms. Lobna Helal and hosted a delegation from leading banks in Egypt like the Central Bank of Egypt, National Bank of Egypt, Egyptian Banking Institute, Barclays Egypt, Banque Misr, Credit Agricole and many more leading financial institutes in Egypt.
We thank our sponsors: Lead Sponsor – CIB, Gold Sponsors – Loxon, PioTech, National Bank of Abu Dhabi, Networking Partner – Intercom, Associate Sponsor – MasterCard, Event Supporter – Banque Misr.
The Post Show Report will available soon.
Laws and regulations needed to strengthen SME banking and to promote banks to increase SME financing
How to improve profits in SME financing as well as safeguarding banks
Understanding credit scoring and rating
Reviewing strategies to reduce risk and to improve management
Reviewing different lending models and adding value to SME banking
Digitising SME banking and improving profitable services
The summit will feature an exciting line up of speakers that will include experts representing leading banks, government bodies and other financial institutions. If you wish to make a presentation at the summit please send in your submissions to
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Advisor to the CEO - The Islamic Corporation for the Development of the Private Sector (ICD)
Non-executive director and Managing Partner, Banking for Development (B4D)
Reiner has over 25 years of experience in SME & Commercial Banking in Emerging Markets (Eastern Europe and Latin America). Until recently, he was CEO for IntesaSanpaolo Bank in Moscow and Swedbank Ukraine in Kiev. His areas of expertise include strategy, business development, Bank restructuring and loan portfolio workout. Today he servesfor EBRD and FMO as Non Executive Director in different Financial Institutions in Eastern Europe and Central Asia. Reiner holds an M.Sc. in Economics from FU Berlin, Germany and he speaks fluently German (native),English, Russian, Spanish and Italian.
Director of Business Banking - Barclays
General Manager for Agency Banking, Mobile Banking and Merchant Acquiring at Equity Bank
Andrew Wakahiu is the General Manager for Agency Banking, Mobile Banking and Merchant Acquiring at Equity Bank, where he champions the banks network of 23,000+ agents that Equity Bank has recruited so far in Kenya, Tanzania and Rwanda. He also champions execution of the various innovative e-payment solutions that the bank has deployed.
Andrew has over 10 years’ experience in agent management, having served as a team leader in the pioneer team that rolled out the M-pesa agent network for Safaricom. He was responsible for all aspects agents' training, field operations as well as risk management. Prior to that, he worked as Customer Relations manager at East Africa Breweries Limited.
Andrew has a degree in Business Management, biased to Marketing and Logistics Management, and is currently finalizing his MBA in Strategic Management. He is also a member of The Chartered Institute of Arbitrators.
Deputy Chairman - National Bank of Egypt
Mr. Yehia Abou El-Fotouh has been Deputy Chairman of National Bank Of Egypt (NBE) since March 01, 2016. Has more than 30 years solid experience in the banking sector in the areas of Credit Risk, Corporate banking, Operations in National and International Banks. In April 2008, he was chosen within the task force group to join National Bank of Egypt under the framework of reform and development of public banks sectors in order to participate in development of the bank credit system and to update policies, system and procedures. Mr. Abou El-Foutoh has been an Executive Member in NBE’s Board Of Directors from September, 2014 till March, 2016 to supervise (Credit Risk , Marketing Risk , Operational Risk , Credit Follow Up and Administration, Processing and debt restructuring, Operations , Internal Control , Information technology, Administrative support). Prior he held the position of Credit Risk, Debt recovery & restructuring Group Head Succeeded during his mission to reduce the NPL in the Bank from L.E 30 Billion in 2008 represents 30% of the total loans portfolio to L.E 5 Billion represents 3% in 12 / 2015 and sharing in increasing the profitability from LE 285 M to LE 5 B in the same period.
General Manager, SME & Special Progammes Department, Bangladesh Bank
Working as General Manager at SME & Special Progammes Department, Bangladesh Bank, Swapan has more than 25 years of Central Banking Experience. His professional experiences comprise of working on SME Policy & Monitoring, Foreign Exchange Policy, Foreign Exchange Inspection, Banking inspection, Agricultural Credit Management and Imparting Training. He has also worked in departments Financial Integrity and Customer Services, Foreign Exchange Operations, Banking Inspection and Agricultural Credits to name some.
Deputy Chief Executive Officer- Economics, Policy & Business Development at SME Corp. Malaysia
Ms. Karunajothi Kandasamy assumed the current position as Deputy CEO of SME Corporation Malaysia since August 2015. She has been instrumental in developing the SME Masterplan (2012-2020) and is currently actively involved in the execution of the Plan. Her other developmental work has been in the area of establishing a comprehensive SME statistics in a move towards taking a more evidence-based approach to policy making. Beside her role in policy and development, her other key responsibilities include promoting enterprise and entrepreneurship development in fostering growth and raising the contribution of SMEs to the economy. A secondee from the Central Bank of Malaysia with vast experience in public sector policies, she actively participates in SME policy and financing discussions at the regional and global level. She holds a First Class Honours Degree in Bachelor of Economics from the University of Malaya.
Managing Director at Credit Guarantee Company
Mrs. Bahr is the Managing Director of the Credit Guarantee Company (CGC) in Egypt. She is a member of different regional and international committees and working groups, such as the Euro-Mediterranean Charter, UFM, Salzburg Seminar and others.
Mrs. Bahr has more than 25 years of working experience in financial and economic development activities. She has more than 15 years in the guarantee industry and MSMEs development. her experience involved both technical and managerial responsibilities and covered areas of strategic planning, SMEs access to finance, due diligence analyses, microfinance, risk mitigation instruments development, SMEs venture capital models, SMEs leasing, Public Private Partnership (PPP), and different economic and financial researches and analyses of the MSMEs sector in the MENA, Africa, and South Asia regions.
Head of SME Banking - Egyptian Gulf Banking
Nihal has more than 10 years of Corporate Credit experience, more than 7 years of Credit Risk experience and more than 7 years of SME experience. She is currently the Head of SMe Banking at the Egyptian Gulf Bank (EGB). She has actively cooperated with EBI, CBE and Euro-med to promote SME Banking in Egypt through capacity building seminars and roundtable meetings. She has also represented private banks in CBE SME Steering Committee for developing an SME database covering all governorates in Egypt.
Chairman, Egyptian Financial Supervisory Authority
Sherif Samy is the Chairman of EFSA, Egypt’s regulator of all non banking financial services: capital market, insurance, private pension funds, leasing, mortgage, factoring and microfinance. In this capacity he is the Chairman of its Financial Services Institute and its Auditors Oversight Unit.
Sherif is a member of the board of the Central Bank of Egypt and the country’s National Anti Money Laundry Unit. He is the first Egyptian to be elected to the board of directors of the International Organization of Securities Commissions (IOSCO).
An experienced senior executive in the areas of investment, capital markets and management, he was previously managing director of Banque Misr’s investment arm “Misr Capital” which managed a significant private equity portfolio in addition to managing two large mutual funds. He served as board member of the Investment Authority, Banque Du Caire, the SME Development Fund in addition to numerous listed and privately held companies operating in the capital market, textile, urban development, engineering, education, logistics and mining sectors.
Head of Corporate Marketing Animation, QNB Al-Ahli
Mohamed is enjoying 27 years of international standards banking career with QNB Al-Ahli (ex. Societe Generale), started his journey with SMEs in 2001 through managing banking relations with the international organizations supporting SMEs & Microfinance e.g. IFC, USAID and EBRD, then in 2008 he led the strategic project in QNB Al-Ahli establishing and heading SMEs banking division, Mid-Cap and corporate marketing at the senior management level.
Mohamed attended & spoke in seminars and performed missions in more than 17 countries around the globe, holding ESLSCA MBA and completed doctorate degree and expected to defend his dissertation and obtain the degree in Jun-2016 from ESLSCA Paris as well.
Since 2008 Lecturer in SMEs Banking, SME strategic planning, Marketing Management, Sales Management and Clients Relationships Management (CRM) to bankers and MBA candidates.
Head of Proximity Banking, Credit Agricole
Walie Lotfy started his professional career 21 years ago in National Bank of Egypt where he spent 10 years in different Banking domains including trade finance, corporate banking , SMEs and Strategic Planning. In 2004 he joined EK-holding - a Regional Private Equity Firm- as an Investment Manager responsible for energy sector mainly Natural Gas, Power Generation and District Cooling. Then he was appointed as Advisor to the Chairman of the Egyptian Investment Authority responsible for SMEs and Entrepreneurship until he joined Credit Agricole Egypt in 2008. Walie LOTFY is currently Head of Proximity Banking Distribution and member of the Executive Committee In Credit Agricole Egypt, his scope of responsibility covers SMEs, Business Banking , Retail Banking , Private Banking, Credit Decision and Collection.
Partner, Loxon Solutions
Head of Consumer & Business Banking Risk, CIB
Assistant Sub-Governor – Technical office of the Governor Regulations Department – Banking Supervision, Central Bank of Egypt
May Abulnaga is the Assistant Sub-Governor in charge of the technical office of the Governor of the Central Bank of Egypt. She is also in charge of the Regulations Department under the Banking Supervision Sector of the Central Bank of Egypt (CBE). Her career includes specializing on the regulatory side in issuing and amending prudential regulations, restructuring of the state owned banks as part of the reform program conducted by the CBE for the Egyptian banking sector; beside her previous career on the commercial banking side in corporate credit and credit risk.
Executive Director,Industrial Modernization Program Credit Guarantee Fund
Head of Business Banking and Payment Acceptance Commercial International Bank - Egypt (CIB)
Rashwan has moved to lead CIB’s Business Banking Segment since beginning of 2013. By setting business strategies and implementing a unique business model, the business banking team was able to take this business from being an initiative to become the fastest growing LOB in CIB.
Rashwan has graduated from faculty of commerce, Sohag University, and began his career joining CIB in 2004 with the finance team. This exposed him to various aspects of financial reporting, performance analysis and regulatory requirements for the banking industry.
After successfully completing the credit analysis certification from CIB, he joined the Strategic Planning group for six years starting 2007. During these years he was engaged directly with both the executive management as well as the board of directors on the most strategic initiatives CIB has endeavored. Those included many M&A initiatives and strategic restructures and launches of news businesses.
Loxon Solutions (Loxon) is a software company offering integrated lending and risk management business applications for covering the entire lifecycle of lending and risk management. The company is headquartered in Europe and is present in Europe, Middle East, Africa and Asia having major references like ADIB, BBK, or HBTF for both traditional and Islamic banking.
Loxon’s product portfolio covers a set of integrated, highly flexible, user friendly IT applications, covering corporate, SME and retail lending, credit rating and scoring, collateral management, early warning, debt collection, portfolio based risk management, Basel II/III regulatory reporting, ICAAP, IFRS provisioning and a strong practice for Oracle OFSAA implementations.
Pio-Tech has long crowned the market as a Pioneering System Integrator and Business Solutions Provider, backed by a history of proven innovative results and a dedicated team of consultants with a futuristic vision.
The company’s carefully-built vertical solutions introduced an original brand, which evidently confirmed its presence as a commanding flagship in the financial industry. Through its wide array of solutions, Pio-Tech has helped myriad financial institutions to better understand their business and bond with their customers, and ultimately, to steer their operations towards attaining excellence in performance.
A driving factor behind the company’s success owes its coup to the strategically chosen partnerships with top IT corporations, as Pio-Tech continues to break new grounds in Enterprise Management Solutions. Simultaneously, the company constantly seizes to discover new tech horizons and to add mounting value to its clients.
Our mission is to deliver insightful, applicable and affordable Business Process and Performance Management Solutions, which address critical requirements of regional customers, with the scalability to evolve as their business needs grow.
NBAD has one of the largest networks in the UAE, with an expanding network of more than 110 branches and cash offices and more than 550 ATMs across the country. NBAD’s growing international network consists of about 47 branches and offices in 16 countries stretching across five continents from the Far East to the Americas, giving it the largest global network among all UAE banks.
NBAD is rated senior long term/short term AA-/A-1+ by Standard & Poor's (S&P), Aa3*-/P1 by Moody’s, AA-/F1+ by Fitch, A+ by Rating, giving it one of the strongest combined ratings of any Global financial institution. For that, NBAD is ranked as one of the World’s 50 Safest Banks by the prestigious Global Finance magazine.
NBAD grows strategically toward its vision to be recognised as the World’s Best Arab Bank.
Intercom Enterprises is a leading system integrator established in 1992 that serves the Egyptian and regional markets with a wide range of technologies, platforms and business solutions for the Banking and Financial Services, Government, Defense, Telecommunications, Oil and Gas, and General Business sectors. Intercom enjoys a unique footprint in Egypt as a leading solutions provider together with our world-leading partners like IBM, VMware, SAP, Cisco, Symantec, Veritas, Dell, Esri, SmartStream, Brocade, and many others. Focusing on delivering value to the banking industry based on the latest technologies from its partners’ network and launching innovative solutions addressing emerging digitalization needs is a key differentiator of Intercom in this domain.