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Heidi Kamal

Executive Board Member & Cluster Chief Risk Officer

Heidi Kamal joined ADIB-Egypt as Chief Risk Officer in 2009. She is responsible for Wholesale Bank Credit Risk along with Operations, Market, ADIB capital, ADI Lease risks, and ADIB Holding.
Her banking career began in 1989 as an Officer at the Bank of Credit and Commerce- Misr’s Corporate Bank, Trade, and Customer Service departments. Her professional journey then led her to join Citibank where she held a variety of progressively responsible roles over the course of nearly 15 years before joining the NBD Bank of Dubai/ADIB-Egypt.
Her expertise lies in planning business and portfolio strategies based on clear analyses of market conditions and risk assessments.

Never resting on her laurels, Kamal firmly believes in ongoing, professional self-development with training, workshops and seminars a top priority for her.
Kamal holds an MBA from the Maastricht School of Management, Cairo and a bachelor degree in Commerce from the Ain Shams University in Cairo.

During 2015, the council had succeeded in releasing many projects and development initiatives in a number of economic aspects, like “Entaleq”; an initiative based on leading businesses and adopting youth’s ideas, facilitating financing, developing youth’s economic ideas, and finding encouraging financing bank.

In addition, the council has released the 1000 Factory project in the Fifth Settlement Area in New Cairo and the “Wazeftak Gamb Beetak” project, that supports small and medium enterprises and involves establishing 10 factories in every governorate across the country.

Abd EL Latif participates through the council in establishing a fund to support defaulted factories.

She has got her PHD in Economics from California University, USA.