About Us

Drawing on our proven track record and a diverse team of talented employees, we are a financial enabler providing a broad spectrum of financial services, including advisory, asset management, securities brokerage, research and private equity, to the entire MENA region. In our home country, we have the fastest-growing non-bank financial institutions (NBFI) platform, with operations covering microfinance, leasing, factoring, leading lifestyle-enabling fintech solutions in Egypt, digital payment solutions, mortgage finance and insurance.

With a current footprint spanning eight countries across two continents, EFG Holding (EGX: HRHO – LSE: EFGD) has grown for four decades of success to transform from a pure-play investment bank in Middle East and North Africa (MENA) into trailblazing financial institution with a universal bank in Egypt and the leading investment bank in MENA. Drawing on our proven track record and a diverse team of talented employees, we are a financial enabler providing a broad spectrum of financial services, including advisory, asset management, securities brokerage, research and private equity, to the entire MENA region.

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And with its latest acquisition of a majority stake in Bank NXT, the Firm now provides commercial banking products and services.
Through its three verticals, the Investment Bank, Non-Bank Financial Institutions (NBFI) and Commercial Bank, the Group is well-positioned to consistently bring disruptive financial products and services to the market space, offering a holistic portfolio that best serves its growing base of individual clients and businesses of all sizes.

Our Footprint

Our Investment Bank’s on-the-ground presence spans eight countries across two continents, covering 75 compelling global markets.

Success is created through the right equation of knowledge, talent, dedication, and perseverance; EFG Holding is proof of that. From a pure-play local investment bank in its early years to a global success story today, we have achieved exponential growth and success over the past four decades, becoming an impact-driven financial institution with a universal bank in Egypt and the leading investment bank in MENA. Our Investment Bank’s on-the-ground presence spans eight countries across three continents, covering 75 compelling global markets. Drawing on our proven track record and an exceptionally talented team, we provide a broad spectrum of financial services: advisory, asset management, securities brokerage, research, and private equity to MENA.

In 2021, we acquired a controlling stake in Bank NXT, transforming us into an impact-driven universal bank in Egypt. We operate today with comprehensive commercial

banking and non-banking financial services, boasting a well-established Non-Bank Financial Institutions (NBFI) platform that offers microfinance, leasing, factoring, lifestyle-enabling fintech, mortgage, insurance products, and e-payments. This aligns with our strategy to focus on a main pillar: product diversification.

Our Presence

Egypt

Home to the Firm’s headquarters with the largest number of employees that support its global reach and expansion as an impact-driven Universal Bank. Offering employment opportunities across three verticals: the Investment Bank, the NBFI platform, and the Commercial Bank.

UAE

The first EFG Holding office outside Egypt and the 2nd largest EFG Hermes office in the MENA region with a number one ranked brokerage division,an award-winning research team and private equity. With offices in Abu Dhabi and Dubai,we have been present in the country for over 20 years and boast a strong track record in advising on landmark deals.

Saudi Arabia

The Firm’s second greenfield operation in the region, KSA, is undoubtedly an important market for EFG Holding. It is considered one of the top foreign financial institutions operating in one of the world’s most compelling economies, advising on landmark IPO transactions in the Kingdom.

Kuwait

A leading brokerage firm with an active network in the country, one of the most recent entrants into key market indices. The firm also advises on cross-border M&As and milestone private placements in the Kuwaiti financial market.

Bahrain

Experience seamless global investing with OLT Investment! Gain access to a diverse array of financial instruments, enabling you to trade and invest with ease from any corner of the world. Benefit from our expert insights that empower you to make informed decisions and seize lucrative market opportunities.

Pakistan

EFG Holding was the first foreign investment bank to enter the Pakistani Market in 2016. True to our standards, we were named Best International Brokerage Firm in the 2021 Asiamoney Brokers Poll.

Kenya

Backed by award-winning MENA market research, EFG Hermes Kenya holds a first-place position in the Kenyan brokerage market. It is the Firm’s first greenfield brokerage operation outside the MENA region.

Nigeria

EFG Holding presence in Nigeria serves both global and domestic investor appetite with opportunities in Africa’s largest economy and acts as a hub for expansion into West Africa.

Our Business Lines

The leading investment bank franchise in Middle East and North Africa (MENA)

1st in brokerage offerings across EGX, NASDAQ Dubai, DFM, KSE and NSE.

Our Investment Bank vertical is the leading investment bank in the Middle East and North Africa (MENA) that continues to expand its offerings and presence across an ever-growing operational footprint, bringing together the MENA region’s premier securities brokerage house as well as a strong track record in M&A advisory, Equity Capital Markets (ECM) and Debt Capital Markets (DCM) deal executions, asset management and private equity. Our Investment Bank vertical serves over 75 markets globally, supported by our award-winning research team.

Find out more about Securities Brokerage

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Securities Brokerage

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Find out more about Investment Banking

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Investment Banking

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Find out more about Asset Management

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Asset Management

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Find out more about Private Equity

Private Equity

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Find out more about Research

Research

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Find out more about our investment bank’s operations

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Housing some of the MENA region’s leading brands in universal financial technology powerhouse [Valu], Mortgage Services [Bedaya], Micro and small enterprise finance provider [Tanmeyah], Factoring and Leasing [EFG Corp-Solutions], Insurance [Kaf], and e-Payments services [PayTabs Egypt], and [Fatura] our technology-backed B2B marketplace, our NBFI vertical drives access to innovative non-bank financial services for all our stakeholders.
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Since its inception in 2009, Tanmeyah quickly became a leading provider of financial services in Egypt with a concerted focus on the micro and small enterprise segments.

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Valu is the leading universal financial technology powerhouse offering customers and businesses convenient and comprehensive financial solutions. Under its product universe, Valu pioneered Buy-Now, Pay-Later (BNPL) solutions in the MENA region through U, providing customizable financing plans for up to 60 months across more than 6,500 points of sale and over 2,000 websites and apps – covering a diverse array of categories, including home appliances, electronics, home finishing, furniture, residential solar solutions, healthcare, education, travel, and fashion, among others. Valu also offers investment products, an instant cash redemption program, savings solutions, and a financing solution to facilitate the purchase of high-value purchases in the luxury space through the AZ Valu fund and EFG Hermes ONE, Sha2labaz, Akeed, and Ulter respectively. In addition, Valu offers business-to-business solutions through Valu Business. Valu had recently introduced its prepaid card and co-branded credit card in collaboration with Visa. As an award-winning fintech player in the MENA region, Valu embraces a progressive mindset with an agile workforce committed to architecting innovative financial solutions.

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Bedaya is Egypt’s first non-bank mortgage provider offering digital mortgage financing facilities. It offers seamless mortgage financing solutions to clients looking to purchase residential and commercial properties in Egypt or seeking financing using an existing personal or business asset as collateral.

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Kaf is an Egyptian insurance company licensed to offer life, savings and health insurance products. Established in 2021 as a collaboration between EFG Holding’s NBFI Platform EFG Finance, GB Auto, and Tokio Marine, Kaf is growing quickly in its capacity as a tech-enabled insurance player.

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EFG Corp-Solutions was established in 2020 to consolidate its factoring and leasing businesses and provide large corporations as well as small and medium-sized enterprises (SMEs) with leverage to grow and expand their businesses.

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A tech-enabled B2B Marketplace where businesses come together to connect, collaborate, and thrive. This digital platform serves as a seamless bridge between wholesalers and retailers, providing a dynamic ecosystem for secure and efficient trade. Users can explore a wide array of products and services, streamline procurement processes, and cultivate strategic partnerships. Established in 2019, Fatura connects suppliers, manufacturers, and wholesalers with retailers across 23 governorates in Egypt. Its platform facilitates price transparency, grants real-time and accurate data access, and promotes financial inclusion. In the fast-moving consumer goods (FMCG) sector, Fatura boasts a network of over 2,000 suppliers offering a diverse range of 10,000+ unique SKUs to more than 40,000 retailers. With just one click, retailers, whether they operate supermarkets or kiosks, can open our app, embark on a product search, compare prices across various wholesalers, locate the best deals, and place orders effortlessly.

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PayTabs Egypt Solutions is Egypt’s most innovative provider of digital payment solutions. The company is a joint venture between PayTabs, MENA’s award-winning provider of fintech and B2B payment solutions, and EFG Holding’s NBFI vertical, EFG Finance, PayTabs Egypt provides merchants with the market’s leading online payment gateway solutions. It supports multiple digital payment options, white labeling platforms, and a range of e-commerce, m-commerce, and social commerce solutions.

Our strategy, centered on providing customers with a holistic suite of financial services under an channel universal banking platform in Egypt, was realized with our acquisition of Bank NXT in 2021, which marked our entry into the commercial banking space.

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Our Business Partners

Business Partners at EFG Holding are the fuel that keeps our engines running. They provide best-in-class services to ensure that all our business lines are streamlined, operating smoothly and efficiently.

Human Resources

The HR team works to recruit, grow and retain the best talent on the market, keeping employees’ and the Firm’s best interests front and center, providing equal opportunities for learning and growth and ensuring a consistently positive employee experience.

Marketing & Communications

Our Marketing and Communications teams put their best foot forward. They build, grow and protect our brands, boosting their visibility across the relevant channels to communicate effectively and responsibly with all stakeholders.

Information Technology

Our IT team supports our businesses around the world, enabling our progress through tech and innovation.

Legal

The Legal team at EFG Holding provides critical support, advising and facilitating business transactions and works to protect the Firm’s interests.

Finance

Our Finance professionals work to support all aspects of our business lines through trusted financial strategizing, long and short-term planning.

Compliance

The compliance team ensures that all our operations adhere to the necessary regulatory requirements, maintaining the highest standards of integrity and ethical conduct.

Internal Audit

The internal audit team provides independent, objective assurance designed to add value and improve our organization's operations. They help accomplish our objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, control, and governance processes.

Risk Management

The risk management team at EFG Holding is dedicated to identifying, assessing, and mitigating risks that could impact our business. They work to protect the Firm's assets and ensure our long-term stability and success.

Administration & Facilities

The administration and facilities team is responsible for the smooth functioning of our daily operations. They manage our physical infrastructure, ensuring a safe and productive work environment for all employees.

Operations

The operations team oversees the efficient execution of our business processes, ensuring that all transactions and activities are conducted seamlessly and effectively across the Firm.

Corporate Sustainability & Impact (CSI)

Our CSI department drives our commitment to creating a positive impact on society and the environment. We foster a sustainable business model, manage environmental risks, and contribute to the development of the communities where we operate. Our team works tirelessly to integrate ESG principles into our core business strategy, ensuring long-term value creation for our stakeholders.