Société Arabe Internationale de Banque S.A.E. a financial institution that provides a range of corporate and retail banking services, and investment services. The company is a subsidiary of Arab International Bank.
Loans
The company's loan portfolio includes various types of loans, such as corporate loans, retail loans, and other specialized loans.
Corporate Loans
The company's corporate loans are designed to support large enterprises, small and medium-sized enterprises (SMEs), and other com...
Société Arabe Internationale de Banque S.A.E. a financial institution that provides a range of corporate and retail banking services, and investment services. The company is a subsidiary of Arab International Bank.
Loans
The company's loan portfolio includes various types of loans, such as corporate loans, retail loans, and other specialized loans.
Corporate Loans
The company's corporate loans are designed to support large enterprises, small and medium-sized enterprises (SMEs), and other commercial entities. These loans include overdrafts, direct loans, syndicated loans, and other specialized loans.
Retail Loans
The company's retail loans cater to individual customers. These loans include overdrafts, credit cards, personal loans, and mortgage loans.
Other Specialized Loans
The company provides specialized loans to support various development initiatives and projects. These loans include social development fund loans, agricultural development loans, mortgage financing initiatives, subordinated loans, and other specialized loans.
Investment Portfolio
The company’s investment portfolio includes treasury bonds and treasury bills.
Deposits
The company's deposit portfolio includes demand deposits, time deposits and call accounts, certificates of deposits, saving deposits, other deposits, and corporate and retail deposits.
Demand Deposits
The company’s demand deposits are non-interest-bearing accounts that allow customers to withdraw funds on demand without any prior notice. These deposits are typically used for everyday transactions and are an essential part of the company's deposit portfolio.
Time Deposits and Call Accounts
The company’s time deposits are interest-bearing accounts that require customers to leave their funds in the account for a specified period. Call accounts are similar but offer more flexibility, allowing customers to withdraw funds with short notice while still earning interest.
Certificates of Deposits
The company’s certificates of deposits (CDs) are fixed-term interest-bearing deposits that offer higher interest rates compared to regular savings accounts. Customers agree to leave their funds in the account for a specified term and early withdrawal may result in penalties.
Saving Deposits
The company offers saving deposits that are interest-bearing accounts designed for customers who wish to save money while earning interest. These accounts offer more flexibility compared to time deposits allowing customers to make withdrawals while still earning interest.
Other Deposits
The company’s other deposits include various types of deposit accounts. These include specialized deposit products tailored to specific customer needs.
Corporate and Retail Deposits
The company's deposit portfolio includes corporate and retail deposits.
Products and Services
Corporate Banking Services
The company's corporate banking services are tailored to support large enterprises, small and medium-sized enterprises (SMEs), and other commercial entities. These services include:
Trade Finance
The company offers trade finance services to facilitate domestic and international trade. These services include letters of credit, documentary collections, and trade loans, which help businesses manage their trade transactions efficiently and mitigate risks.
Cash Management
The company provides cash management solutions to businesses for optimizing their cash flow and manage their liquidity effectively. These solutions include payment and collection services, account reconciliation, and cash concentration services.
Retail Banking Services
The company's retail banking services cater to individual customers and include a wide range of products and services designed to meet their personal financial needs. These services include:
Personal Loans
The company offers personal loans to individual customers for various purposes, such as home renovation, education, medical expenses, and other personal needs. The loans come with flexible repayment terms and competitive interest rates.
Credit Cards
The company provides credit card services to retail customers, offering a range of credit card products with various benefits, such as reward points, cashback, and travel privileges. The credit cards are designed to meet the spending and lifestyle needs of customers.
Mortgage Loans
The company offers mortgage loans to help customers purchase their dream homes. The mortgage loans come with flexible repayment terms, competitive interest rates, and various financing options to suit the needs of homebuyers.
Investment Services
The company's investment services include:
Investment Funds
The company manages and offers various investment funds, including mutual funds and specialized investment funds. These funds are designed to provide customers with diversified investment options and professional asset management services.
Financial Advisory
The company provides financial advisory services to help customers make informed investment decisions. The advisory services include investment planning, portfolio management, and risk assessment, tailored to the individual needs and goals of customers.
Treasury and Capital Markets
The company offers treasury and capital market services, including foreign exchange operations, fixed-income securities trading, and derivatives. These services help customers manage their currency and interest rate risks and optimize their investment returns.
Specialized Financial Solutions
The company offers specialized financial solutions that include:
Islamic Banking
The company provides Islamic banking services in accordance with Sharia principles. These services include Islamic financing products, such as Murabaha, Ijara, and Mudaraba designed to meet the financial needs of customers seeking Sharia-compliant solutions.
SME Banking
The company offers specialized banking services for small and medium-sized enterprises (SMEs), including tailored loan products, trade finance solutions, and cash management services. These services are designed to support the growth and development of SMEs.
Digital Banking
The company provides digital banking services to enhance customer convenience and accessibility. The digital banking platform includes online banking, mobile banking, and electronic payment services allowing customers to manage their accounts and conduct transactions anytime, anywhere.
Geographical Markets
The company serves a wide range of markets within Egypt and internationally. These include:
Cairo
The company's operations in Cairo include a variety of banking services provided through multiple branches located across the city.
Alexandria, Delta, and Sinai
The company serves the Alexandria, Delta, and Sinai regions, offering a range of banking products and services to meet the needs of customers in these areas.
Upper Egypt
The company's operations in Upper Egypt are designed to cater to the financial needs of customers in this region. The company provides various banking services through its branches in Upper Egypt.
Other Governorates
The company serves other governorates across Egypt, ensuring comprehensive coverage and accessibility for its customers. The company's branches in these governorates offer a wide range of banking services for supporting local businesses and individuals.
Government Regulations
The company is subjected to various regulations that include Central Bank and Banking Sector Law No. 194 of 2020; Law No. 159 of 1981 and Its Executive Regulations; the Central Bank of Egypt; and The Central Bank of Egypt.
History
Société Arabe Internationale de Banque S.A.E. was founded in 1976. The company was incorporated in 1976.
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