Mr. Fahmy Kamal Hanna has an extensive experience of more than 45 years in the field of Banking and Financial services. He obtained a Bachelor’s degree in Commerce and Business Administration from Cairo University in 1974, and after that he started his Banking career. During which, he held important leadership positions; most notably, holding the position of Deputy General Manager and Regional Marketing Manager at the Egyptian American Bank from 1993 to 1996, the Assistant Managing Director and Corporate Lending Head at the Egyptian Gulf Bank in 2007, and Suez Canal Bank Managing Director from 2008 to 2016.

Mr. Afdal Naguib

Chief Executive Officer and Managing Director

With 36 years of experience under his belt, Mr. Afdal Naguib has acquired broad knowledge of the Egyptian banking sector and specific expertise in Credit Risk Management.

He started his career in 1988 at Misr International Bank (MIBANK), where he initially worked as a teller and later in customer service and banking operations before moving up to the Credit division in 1996.

In 1998, Mr. Afdal Naguib began working in Credit Assessment at the Bank's main headquarter, helping to form the Credit Risk Division and then Credit Monitoring Department. He worked in the division until 2005, during which time a decision was made to sell a stake in MIBANK. Mr. Naguib prepared studies assessing funding Gaps in order to determine the share price, and he led the due diligence team and data room set up to liaise with foreign investors, helping to steer the eventual merger to completion in 2006.

In 2007, Mr. Afdal Naguib moved to work at Bank Audi as Head of Credit Risk Management and participated in the process of building and establishing Bank Audi where He was responsible for setting the Bank's Credit Policy and oversaw Credit Risk Assessment, Credit Administration and Credit Investigation. In 2010 he assumed responsibility for the risk sector and assumed the position of Chief Risk Officer in addition to supervising the compliance and governance sector in the bank until it was completed. Selection as a member of the Executive Board of Directors of Bank Audi in 2017.

During his time at Bank Audi, He was a member of The Executive Committee, Head Office Credit Committee (HOCC), Assets and Liability Management Committee (ALCO), while also chairing the domestic Credit Committee.

And in October 2018, he was chosen to occupy the position of Deputy Managing Director for the Risk, Control and Supervision Sectors at Societe Arabe Internationale de banque - SAIB bank.

In 2023, Mr. Afdal Naguib was appointed to be CEO & Managing Director for Bank Saib.

Mr. Afdal Naguib's work in the sector, he was a representative of the bank:

• As a board member of Glasgow Pharmaceutical Company for Misr International Bank.
• As a member of the Board of Directors of Bank Audi.
• As a member of the Board of Directors of Medcom Cement.
• As a member of the Board of Directors of Incolease.
• As a member of the Board of Directors of I-Score.

Mrs. Hamid is the Chairman of the Mortgage Finance Fund since September 2010, an affiliated entity to the Ministry of Investment mainly in charge of improving access to housing and finance to low income groups. Since 2016 she has also been appointed as the Executive Director of Social Housing Fund (SHF) affiliated of Ministry of Housing, Utilities and New Urban Communities. In August 2018 both funds were merged & she was appointed as the CEO of Social Housing & Mortgage Finance Fund (SHMFF). She graduated from the American University in Cairo in 1993 & has several professional diplomas in global corporate banking, credit risk management and international housing finance from American Express Bank New York & Wharton Business School at the University of Pennsylvania. Ms. Abdel Hamid is a leading expert in corporate & mortgage lending with over 26 years of professional experience. Her latest positions include being Advisor to the Chairman of the Egyptian Mortgage Finance Authority, the regulator of the mortgage market. She also worked for the Crédit Lyonnais Bank –Egypt & for American Express Bank Limited –Egypt for more than 10 years as Head of Corporate Banking at the Head Office. She is currently a Board member of saib bank, Since April 2019 & member of Risk committee. Before joining saib, she was a Board member at Housing & Development Bank and member of Audit, Risk Corporate Governance committees since October 2013 till April 2019. She also served as the Vice Chairman of the Egyptian Liquidity Facility Egyptian Mortgage Refinance Company “EMRC”, a company owned by the Central Bank of Egypt, Mortgage Finance Fund and 28 banks & mortgage Companies. She was also member of audit & risk, HR and Executive committees of “EMRC”. She has also been a board member of several companies including Taamir Company for securitization & October for Development & Real Estate Investment Company. Mrs. Abdel Hamid is also a certified mortgage trainer by the US Mortgage Bankers Association “MBA”, member of the Egyptian Mortgage Bankers Federation and Head of the advisory board to the Egyptian Financial Regulatory Authority “FRA” on mortgage lending.

Mr. Khaled Omar holds a degree in Business Administration from Ain Shams University and he held many major positions in the financial field. He was the senior council for the CEO of MOT for investments and development (the investment arm for the Egyptian Rail Way under the Ministry of Transportation), the Managing Director of Belton Financial in Libya, Senior Vice President & Head of Strategic Communication and Banking Products Development at Union National Bank Abu Dhabi, Executive Advisor for the development of financial Services and products for bank Misr, Marketing and International Affairs General Manager for EFG Hermes, East & gulf area Regional Manager for AlBaraka Investment Group in Bahrain, and Corporate Credit Manager for Gulf Bank in Kuwait.

He also contributed in creating many investment funds of all kinds in Egypt and the Gulf area, and contributed in a number of mergers and acquisitions’ transactions through his work in investment banks.

Mr. Omar Abdelhamid Gouda is the Managing Director of Misr Insurance Company. He has a large experience in leading the direct insurance and reinsurance. The International Federation of Islamic Takaful and Insurance Companies (ITFI) announced the election of Mr. Gouda as the Chairman of the federation in 2018 for his rich experience in the field.

Mr. Gouda is a Holder of Bachelor Degree in the field of Insurance - Cairo University, and also a holder of the Insurance Consultant license from Financial Regulatory Authority- September 1996.
Since 1982, He has been appointed in different and various companies as he started with EISA, NICE, AL AHLIA, ESIH and lastly with Africa Re.
Furthermore, Mr. Gouda is specialized in insurance, reinsurance, Takaful Insurance, Maritime Takaful reinsurance, and held various positions. for example:

• Regional Manager-MENA (Middle East & North Africa)-ITFI from October 2003 till May 2020.
• Managing Director of Africa Retakaful Company from September 2010 till May 2020.
• General Manager of Egyptian Saudi Insurance House Company from March 2003 till October 2003.
• General Manager of Al Ahlia for Cooperative Insurance in Saudia Arabia from January 2000 till February 2003.
• General Manager of Technical Affairs at Egyptian National Insurance Company from June 1991 till January/2000.
• Technical Supervisor of non-life insurance at the Financial Regulatory Authority from July 1983 till June 1991.

Mr. Karim Mahmoud has more than 40 years banking experience and has managed banking businesses across Corporate Banking, Risk Management, Leasing, ABF finance, and Capital Markets. He is an accomplished senior banking executive with vast experience within the MENA-GCC markets. He has managed both business and risk functions across multiple organizations and geographies.

On business banking front, Mr. Mahmoud has served as Executive Vice President & CO-Head of Corporate and Investment Banking at Mashreq Bank in UAE. Other roles include CEO of Mashreq Abu Dhabi and Al Ain Region, Country Manager for Mashreq Bank in Kuwait, and also served as the Regional Corporate Banking Head for National Bank of Kuwait covering 9 countries, including Egypt, KSA, UAE, Qatar, Bahrain and other MENA-GCC countries.

On risk management side, Mr. Mahmoud has served as the Chairman of the Risk Committee of the UAE Banking Federation, and at that time Mr. Mahmoud was also Deputy CRO and Head of Wholesale Credit Management Group for Mashreq Bank.

Prior to Mashreq Bank roles, Mr. Mahmoud worked with Citibank in Egypt as the Country Head for Global Transaction Banking Services, Managing Director of Citileasing SAE Egypt, and before that he also worked at the Egyptian American Bank, Misr America Int’l Bank (BOFA subsidiary) and Chase National Bank (presently CIB).