Mona Zulficar

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Mona Zulficar

Founding Partner of Zulficar & Partners Law Firm, Non-Executive Chair of EFG Hermes

Mona Salahuddin Zulficar is Non-Executive Chair of Egyptian Financial Group-Hermes Holding Co. – EFG Hermes and Founding Partner of Zulficar & Partners Law Firm.
As a Founding Partner and Chair of the Executive Committee, Zulficar oversees the operations of the Zulficar & Partners’ six departments; specialized in assisting clients in various practice areas.
A practicing attorney for more than 30 years, Zulficar is a specialist in major financial, industrial, and commercial transactions and has negotiated, drafted, and concluded all the major contracts required by some of the most important joint venture businesses in Egypt.

Zulficar involved in major restructuring of companies, M&A transactions, and was particularly recognized for handling ground breaking and precedent transactions, such as the largest transaction in the history of the Middle East relating to the sale of Orascom Building Materials Holding SAE to Lafarge, for approximately $13 billion in addition to $2 billion of assumed debt. Most recently, she led the team responsible for the first successful PPP Project in Egypt.
She has played and continues to play a key role in drafting new legislation and developing existing economic legislations as an Adviser to the various governmental entities and as Member of the national drafting committees on many important laws, such as the new Telecom Law, the new Capital Market Regulations, the new Special Economic Zones Law and the new Banking Law regulations.
Furthermore, Zulficar has also been appointed as a Member of the Board of Directors of the Central Bank of Egypt and is directly involved in the ambitious Egyptian institutional and regulatory reform program of the banking and finance sector.
Complementing her professional activities with a commitment to community activism, Zulficar has been an active advocate for human rights and women’s rights in Egypt and internationally. She has been elected Member and Vice Chair of the UN Human Rights Council Advisory Committee and she is also a member of the National Council for Human Rights in Egypt. In 2009, she received La Légion d’Honneur from France’s former president Nicolas Sarkozy for her significant professional role in concluding landmark commercial and financial transactions between Egypt and France and for her achievements in the field of human rights.
Zulficar obtained her Political Science and Law degrees from Cairo University and Mansoura University and an honorary doctorate degree from the University of Zurich. Her working languages are Arabic, English, and French.
In December 1994, Zulficar was selected by Time Magazine as one of the 100 Global young leaders of the 21st Century. She also received CEWLA Award for her unique role in the issue of equal right to divorce law (Khul) by Law No. 1/2000, in 2003 and UNDP Award on the occasion of celebrating International Women’s Day in Cairo, 1995.
Zulficar also received Cairo Governor Award 2000 for defending women’s rights, in addition to the Awards of Assiut Governor and the President of Assiut University, in 1999 and 2000 for her key role in establishing the Cancer Hospital in Assiut University.

Dr. Mona El-Garf

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Dr. Mona El-Garf

Professor of Economics and Ex-Chairperson of the Egyptian Competition Authority (ECA)

Mona El-Garf, former Chairperson of the Egyptian Competition Authority (ECA), is considered one of the most influential women leaders impacting the Egyptian economy.
El-Garf was appointed as the ECA Chairperson in May 2012, making significant impact for four years of leadership by raising the awareness among companies and individuals about the importance of having equal competition and the damages caused by monopolistic practices.

She has also been able to make historical amendments to Egypt’s Competition Protection Law giving the ECA greater independence and ability to control and deter violators.
Under her leadership, ECA has successfully handled several high-profile cases of monopolistic practices, including a case against Issa Hayatou, the then president of the Confederation of African Football, for his broadcast rights agreement with Lagardère Sports. The authority had also pursued Qatar’s beIN Sports on charges of anti-competitiveness.
El-Garf resigned from the ECA presidency in May 2018. She then returned to teaching Macroeconomics, Microeconomics, International Trade, Public Finance, Economics of Energy, Feasibility Studies, Egyptian-European economic relations, and Competition Law and Economics at the Faculty of Economics and Political Science in Cairo University.
She also worked as a Consultant for the USAID-led Egyptian Competitiveness Program Project from 2011 to 2012, and a Lead Economist to the Trade and Industry Minister’s office in 2004.
Moreover, El-Garf has published a lot of scientific researches such as “The Global Financial Crisis and its implications on the Foreign Trade Sector” and “The State of the Egyptian Economy”.

Dr. Mona El-Baradei

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Dr. Mona El-Baradei

Professor of Economics & Political Science – Cairo University

Dr. Mona El-Baradei, has been the Executive Director of the Egyptian Banking Institute (EBI), the training arm of the Egyptian Central Bank, from 2011 to 2017.
During her tenure, El-Baradei has managed to achieve a remarkable development in the EBI’s performance and played a vital role in spreading of banking culture in addition to the increase and development of training courses to comply with international standards.

EBI is one of the most important institutions that play an active role in the financial inclusion initiatives launched by the state and the Central Bank of Egypt. It also plays a pioneering role in training the bankers and preparing cadre.
In recognition of her efforts in the field of financial education and the launching of “Ashan Bokra” initiative, Egypt won the State Prize for the Middle Eastern and North African Region for the year 2015, from Child and Youth Finance International Movement and it’s a success calculated for Dr. Mona ElBaradei, which enabled her to join the list of the most influential women in the Egyptian economy.
Under her leadership, EBI made recognizable efforts in the field of financial education and launched “Ashan Bokra” initiative. This led to having Egypt won the State Prize for the Middle Eastern and North African Region for the year 2015, from Child and Youth Finance International Movement.
In June 2018, El-Baradei was appointed as Member of the Risks Committee at Crédit Agricole Egypt.
Prior to joining the EBI, El-Baradei was the first woman to serve as the Dean of the Faculty of Economics and Political Science in Egypt in recognition of her distinguished scientific and practical role and her vast experience in teaching and managing.
She was also a Member of the National Council for Women (NCW) Cairo Branch from 2003 to 2008, Board Member of Trustees of the General Authority for Investment and Free Zones from 2004 to 2007. In addition, she was a Member of the Supreme Committee for Developing the Higher Education Fund from 2006 to 2009, the Labor Advisory Council from 2008 to 2011, and the National Council for Women (NCW) from 2009 to 2011.
El-Baradei has authored and co-authored a vast number of publications and research papers in different fields such as Economic Development, Human Resources Development, Energy Economics, and the Economics of Education.
Moreover, El-Baradei has been a consultant for a number of organizations including: UNDP, UNICEF, UNESCO, the Population Council, the Social Fund for Development, the Ministry of Economic Development, the Ministry of Education, and the Ministry of Higher Education.

Minoush Abdel Meguid

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Minoush Abdel Meguid

MEZZAN Holding

Long-term banker and private equity executive with stints at Goldman Sachs, HSBC, and Citibank, Minoush Abdel Meguid has worked on several high-profile transactions.
Abdel Meguid is the Managing Director and Co-founder of Union Capital Partners, the first private equity firm in Egypt to be uniquely focused on the SMEs investment space.

Prior to this, Abdel Meguid took part in the reform of the Egyptian Capital Market Authority (CMA) while serving as the Assistant to the Chairman and Head Corporate Finance Division between December 2005 and December 2007. In her capacity, she led major restructuring efforts including the introduction of the region’s first takeover code.
Abdel Meguid has more than 20 years of experience in the field of investment banking and investment management. Prior to joining the CMA, she was Senior Transactor – Resident Vice President and Corporate Finance and Investment Banking North Africa Division at Citigroup in Egypt in April 2004.
Furthermore, Abdel Meguid also served as a Manager in the Investment Banking Division of HSBC Investment Bank Egypt from November 1999 to April 2004. Before that, she was a Financial Analyst at the Investment Banking Division of Goldman Sachs International, London, UK, as part of the European Mergers & Acquisitions team covering M&A, Debt, and Equity Capital Market transactions.
Abdel Meguid was also the Founding President of NGO Egyptian Young Bankers Association, an Egyptian non-governmental organisation, helping young bankers network and improve their skill set between 2003 and 2008. She served as Chairperson of the Board and Editor-in-Chief of the Egyptian Banker publication until 2008.
Since 2011, Abdel Meguid has dedicated more time promoting and supporting entrepreneurship especially in less privileged Egyptian cities outside Cairo and with female entrepreneurs by mentoring and participating in business plan competitions and lecturing on various related topics. She was among six women taking part in the Australian Arab Women dialogue in Australia in 2013. She was also the sole Egyptian participant at the US State Department’s International Visitors’ Leadership Program in 2005 with a focus on “Women in Economic Development”.
Moreover, Abdel Meguid has been on the Forbes list of the Most Powerful Women in Africa in 2011, citing her strong commitment to bring about change in the field of investment and entrepreneurship in Egypt as reasons for her selection.
She is a Young Global Leader of the World Economic Forum and serves as an active member among the WEF and the YGL global communities. She has been selected by the Paris-based French Institut Choiseul among the 100 future leaders of the African continent since 2014. She was also selected Young Achiever of the Year by the Global Leadership Congress in 2015 and received a special award in that regard.
In 2016, the Africa Youth Awards named her among the Inaugural 100 Most Influential Young Africans. She was also ranked by Arabian Business magazine as no. 41 on the list of 100 most influential young Arabs under 40.
Abdel Meguid was Valedictorian at her graduation commencement at the American University in Cairo (AUC) and received the Distinguished Alumni Award from AUC in 2016 from which she holds a B.A in Economics and International Relations, magna cum laude.

Mervat Hataba

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Mervat Hataba

Chairperson of Holding Company for Tourism & Hotels

Mervat Hataba is the Chairperson of the Holding Company for Tourism & Hotels – HOTAC. She has graduated from Ain Shams University in Commerce and she has got a Master’s degree in Business Administration.
Hataba’s work at HOTAC started gradually; she worked first at the Technical Office and the Planning and Follow-up Department. Then, she was named as Managing Director and later an Acting Chairperson afterwards, until, she has been finally appointed as the Chairperson late 2012.

Hataba was able to revert the company’s losses incurred during the fiscal year 2013- 2o14, of EGP 333 million to a net profit of EGP 105 million pounds during the financial year 2015. In addition, she managed to complete a number of major projects of HOTAC subsidiaries, including the inauguration of Nile Ritz-Carlton Hotel.
Moreover, Hataba has taken a new approach in managing the untapped assets of the company through participating with the private sector to earn profits.

May Abdel Hamid

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May Abdel Hamid

Chairperson of the Mortgage Finance Fund (MFF)

May Abdel Hamid has been the Chairperson of the Mortgage Finance Fund (MFF) since September 2010. MFF is a subsidiary to the Ministry of Housing, Utilities, and Urban Development, mandated to be the major subsidy provider of low income housing in Egypt.
Under her leadership, Abdel Hamid has introduced new sustainable subsidy programs that would expand housing finance system to low income households by: (i) developing transparent, direct household subsidy programs; (ii) determining and recommending the legal and regulatory reforms needed to implement the programs; (iii) creating a blueprint for MFF subsidy implementation unit; and (iv) estimating the scale and fiscal outlays needed.

In addition, she also promoted an improved system for private sector development of affordable housing. She also outlined and implemented a housing information system in collaboration with concerned ministries that included house values, land prices, production volumes, population demographic, and economic statistics to help in adjusting the subsidies to changing market conditions.
Abdel Hamid also shared knowledge and industry experience with numerous countries including Armenia, Tanzania, Saudi Arabia, Palestine, Syria, Sudan, and Iraq. She also negotiated and concluded several loan programs with the World Bank to partially fund subsidies for low income housing.
Abdel Hamid has a wide experience that exceeds 23 years in the field of financing. She has been also working in the banking sector for 13 years.
Prior to joining the MFF, Abdel Hamid held several positions such as an Advisor to the Minister of Investment and to the Chairman of the Mortgage Finance Authority from 2005 to 2009. She also worked as a Senior Credit Manager for 10 years at American Express Limited – Egypt and Bank Crédit Agricole – Egypt.
Furthermore Abdel Hamid was chosen as a Member of several Boards of Directors in some companies, including Tameer Company for Securitization and October for Development & Real Estate Investment.
Since 2007 up till now, Abdel Hamid serves as the Vice Chairperson of the Audit, Risk, and Human Resources Committees and of the Executive Committee in the Egyptian Mortgage Refinance Company. She was also chosen as a Board Member and a Member of the Risk Committee as well as the Salaries, Remuneration, and Appointments Committee at the Housing and Development Bank (HDB) since September 2013.
Moreover, Abdel Hamid has significantly proven many successes in the financing field by creating financing products to support low-income households through supporting and coordinating with the Central Bank of Egypt.
Abdel Hamid graduated from the American University in Cairo in 1993 in Economics and Political Science. She received a number of Specialized Diplomas in Corporate Finance, Corporate Credit, and Risk Management from American Express Bank – New York. She also obtained another Diploma from Wharton School of the University of Pennsylvania – US in Mortgage Finance and Securitization.

Maha Baligh

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Maha Baligh

Former Managing Partner & Executive Director – Goals for Production & Development company

Maha Baligh, is the former chief executive officer at Sigma Capital where she had joined in 2015 , and was responsible for developing Asset Management and Private Equity divisions.
Prior to this, Baligh was the Chief Executive Officer of Arab African Investment Holding, the investment arm of Arab African International Bank (AAIB), overlooking its Brokerage, Asset Management, and Proprietary portfolios as well as liaison with all other investment operations of the bank.

Baligh also worked in EFG-Hermes Investment Bank, as the Head of Asset Management Operation and Head of Proprietary Investments. At EFG-Hermes, she established and managed numerous mutual funds among which: EFG-Hermes Telecom Fund, named the best telecom fund in the world in 2001), Egypt Fund, named the best mutual fund in the world in years of 2002, 2003, 2005, and 2005.
She also won the best fund manager in Egypt in 2007 and holds the longest/ best track record of any fund manager in Egypt since 1995.
In 1992, Baligh graduated with high honors BA degree in Business Administration from the American University in Cairo, where she also earned her MBA in 1995. In addition, she has completed a Master of Science in Banking and Financial Support Services from the University of Reading in the UK.

Loula Zaklama

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Loula Zaklama

Founder, President and Managing Director, Rada Research & Public Relations Co.

Loula Zaklama, one of the first woman entrepreneurs in the Middle East, founder of two successful companies in Egypt, professionally renowned for her experience of more than 45 years in communications, advertising, marketing research, and public relations.
Her special expertise lies in designing marketing and communication strategies for Egyptian companies and multinationals in Egypt, such as IBM, Chrysler, Procter & Gamble, Cadbury, Avon, France Telecom. In addition, She is a communication consultant and strategic planner to various government entities.

Zaklama began her career at the beginning of the sixties when she founded in 1962 Radar Advertising Agency, the only private sector advertising agency in a completely state-run economy, at a time when granting contracts to private firms was difficult.
In 1982, Zaklama founded Rada Research & Public Relations Company, to become the first woman to establish a company in this field, and is currently its President and Managing Director. The company is the only one in Egypt specializing in both disciplines, research, and public relations. She faced many hardships and challenges mainly because Egyptians lacked knowledge about the importance of this field for the private sector. By time, she was able to turn her small company into a great marketing and advertising company. The company was chosen by the Ministry of Foreign Affairs to take charge of a promotional campaign to increase foreign investments in Egypt.
Zaklama has been given the title of the “Iron Woman” by the press.
Moreover, Zaklama has taught Public Relations as a part-time professor at the American University in Cairo from the period of 1995 to 1998, and at the Misr International University from 1999 to 2001.
She has also worked as an active Board Member at the American Chamber of Commerce in Egypt from 1992 to 1994. She has joined several meetings and discussions with members of the House of Representatives, the Senate, and officials of the U.S. administration, on topics of a common interest between Cairo and Washington.
Zaklama also served as the President of Africa Public Relations Associations (APRA), covering North Africa in 2014. In 2006, Zaklama was elected as the World President of the International Public Relations Associations (IPRA), which combines 1200 members in 90 countries. It was the first time, in the 50-year history of the association, that a person from the Middle East to be elected to this position.
In October 2014, Zaklama was chosen as one of the 200 Arab Most Powerful Businesswomen in the Middle East by Forbes Middle East. In 2006, Zaklama was also selected as one of the 50 Arab leading businesswomen in the Middle East by Forbes Forbes Middle East.
She also received Special Achievement Award from the American Chamber of Commerce in 2004, and selected as one of the 50 leading women entrepreneurs of the world by the Star Group, sponsored by IBM and Fortune Magazine in 1998. She was also received the Samir Fares Award at the International Advertising Association Congress held in Cairo in May 1998 for outstanding contributions. In addition, Zaklama received the Medal of Merit from the International Advertising Association, Chicago in 1986.
Zaklama graduated from the American University in Cairo with a BA in Mass Communication. She continued her studies in advanced marketing research in Burke Institute, in Cincinnati, USA.

Lobna Helal

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Lobna Helal

Former Deputy Governor of the Central Bank of Egypt

Mrs. Lobna Hilal started her career in banking and investment banking where she assumed responsibilities in Arab African International Bank, the Egyptian American Bank and EFG – Hermes.
In 2004, Mrs. Hilal joined the Central Bank of Egypt to develop and execute a full-fledged two phased Banking Sector Reform Program (2004 till 2011).
In November 2011, she was appointed Deputy Governor responsible for Monetary Stability, becoming the first female to assume this position in the history of the Central Bank of Egypt.
In March 2013, Mrs. Hilal was appointed as the Chairman and Managing Director of the Egyptian Mortgage Refinance Company (EMRC), which is a specialized financial institution that provides refinancing to primary mortgage lenders. In June 2015, she was elected as the first Head of the Egyptian Mortgage Finance Union.

In November 2015, a new Board of Directors of the Central Bank of Egypt was appointed by a Presidential decree whereby Mrs. Hilal was appointed as the Deputy Governor, responsible for Monetary Stability, supervising many sectors namely; Monetary Policy, Reserve Management & Markets, External Relations, Research, Information Technology and Banking Operation.
Ms. Hilal sits as an independent Expert Board Member on the Board and Advisory Restructuring Committee of the National Investment Bank. She also sits on the Board of Directors of Nasser Social Bank and the Social Housing Fund.
Mrs. Hilal holds the position of Non-Executive Chairman of the Egyptian Mortgage Refinance Company and the Credit Guarantee Company.
Mrs. Hilal also holds the position of the Vice Chair of the Gender and Women Financial inclusion committee and represents the Central Bank of Egypt in its capacity as Vice Chair of the Board of Directors at the Alliance for Financial Inclusion.
Mrs. Hilal was chosen among the Top 50 Most Influential Women of the Egyptian Economy in 2016 & 2017. She was also named the second most powerful woman in Forbes Magazine’s 100 Most Powerful Women in the Middle East and North Africa Region for the years 2016 and 2017, and in 2018 she was ranked the third place. In September 2018, she won the AFI Advocacy Champion Gender Award.
She has a master of Economics from the American University in Cairo.

Lamis Negm

Lamis Negm

Lamis Negm

Community Responsibility Advisor to the Governor of the Central Bank of Egypt

Lamis Negm is one of the most prominent banking figures; she was a former Vice Chairperson in Citi Bank – Egypt. In December 2017, she was appointed as Advisor to the Governor of the Central Bank of Egypt for Community Responsibility.
She was raised in a banking family as her father was a former Central Bank Governor, the late banker Ali Negm.
She graduated from Ain Shams University in 1986 with specialization in Commerce.

Negm has started her banking career when she was still undergraduate through joining Bank of Credit and Commerce International, which merged into Banque Misr in 1991. She had been working after this merging for 2 years, then shifted to work in Bank of America.
In 1993, Negm joined Citi Bank, where she held positions as Operations Management, Customer Service, Cash Management and Sales Management, then she moved to hold the Government Relations Department position, until she finally became the Vice President for Government Relations. During, her extended period of operation in Citi Bank – Egypt, she has achieved several significant successes, especially in the Retail Banking sector, in which she has been working for a long period of time.
Negm has received the Electronic Marketing Award for Cash Sales Management in 2001.
As a result, this sector has led the CIB to sign an acquisition, in the last June, on the retail banking portfolio, for CitiBank Group in Egypt.