We act as a financing arm for your company, where our team studies your business, and understands your possibilities and opportunities, for once, then we can advise on all your current and future financing challenges, through a range of distinctive and flexible financing products.
Why United Finance?
Business Lines
Business Lines
Business Lines
Business Lines
Business Lines
Our Values
Our Values
Our Values
Our Values
Our Values
Integrity
We believe that integrity and disciplined management of risk form the base of our business.
Teamwork
We believe that the best results are achieved when people work together.
Clients Focus
Putting the clients' best interest first.
Dependable
Doing the right thing.
Board Members
Dr. Ahmed El-Ghandour is currently the Assistant Managing Director at The United Bank (Aug. 2017 – Present).
Dr. Ahmed is also member of the following committees at The United Bank:
• The Executive Committee
• The ALCO Committee
• The Internal Risk Committee
He is also the Chairman of United Finance Company & the Chairman of the Company’s Remuneration Committee and member of the Audit and the Board Credit Committees.
In addition, he is a Board Member at Suez Canal for Technology Settling Co. & member of the Audit Committee.
Dr. Ahmed has a wide experience, his responsibilities as the Assistant Managing Director at The United Bank (August 2017- till now) are focused on managing & supervising the Capital Restructuring, Strategic Planning, R&D, the Technical Office and Investment Functions of the bank.
Previously, he was Senior General Manager of the Investment Divisions (June 2006 – August 2017) and General Manager of Financial Control Division (1997 – June 2006) supervising Finance, Budgeting and Investment department.
Before that, he joined Dallah Al Baraka Holding Bahrain Company as Group Finance Director (1990 – 1997). His main duties revolved around managing & controlling investment portfolio of the group all over the world and its consolidated financials. That was after his 7 years of experience (1984-1990) at Islamic International Bank for Investment and Development as Head of Planning – Financial Development.
Education & Qualification
PHD in Business Administration - Faculty of Commerce and Business Administration – Helwan University – Egypt, June 2010.
M.B.A. in Financial Management - City University- Washington – USA 2000.
High Diploma in Accounting - Cairo University – Egypt 1987.
B.A in Accounting - Cairo University – Egypt 1980.
Mr Maher is the Vice Chairman and Managing Director of United Finance company. He successfully managed the company’s transformation from a realty business to a reputable and robust financial institution providing Operating Lease, Financial Lease, Factoring and Mortgage.
Before naming this position in 2017, Mr. Abousteit was appointed senior positions in International, Regional and Local Banks as he assumed the positions of Vice President and Country Operations Officer of Bank of America in Egypt, Director of Centralized Operations in American Express Bank, Egypt, The General Manager of United Bank of Egypt and Deputy Managing Director of Al Ahli Bank of Kuwait, Egypt (previously Piraeus Bank, Egypt). Also, Mr. Abousteit was appointed the Chief Operating officer of Information Technology Industry Development Agency (ITIDA).
Before naming this position in 2017, Mr. Abousteit was appointed senior positions in International, Regional and Local Banks as he assumed the positions of Vice President and Country Operations Officer of Bank of America in Egypt, Director of Centralized Operations in American Express Bank, Egypt, The General Manager of United Bank of Egypt and Deputy Managing Director of Al Ahli Bank of Kuwait, Egypt (previously Piraeus Bank, Egypt). Also, Mr. Abousteit was appointed the Chief Operating officer of Information Technology Industry Development Agency (ITIDA).
Mr. Farag Abdel Hamid enjoys more than 40 years of experience in the banking industry. His responsibilities, as a member of the top management and executive team in leading multi-national financial institutions, encompass: Risk & Portfolio Management, Risk Analysis and Credit Appraisal, Relationship Management, Audit & Risk Review and On-Site Examination.
Mr. Farag is currently Deputy Managing Director at The United Bank
Formerly, he was Vice-Chairman and Managing Director from 2011-2018.
Mr. Farag is currently Deputy Managing Director at The United Bank
Formerly, he was Vice-Chairman and Managing Director from 2011-2018.
He is also a member of the following committees at The United Bank:
• The Executive Committee
• The ALCO Committee
• Internal Risk Committee
Besides, he is Head of the committees indicated below:
• The Senior Credit Committee
• The Automation & Digital Transformation Committee
• The Recovery & Settlement Committee
• The Appeal Committee
In addition, Mr Farag is on the Board of United Finance Company, representing The United Bank, and is a member of the undermentioned committees:
• The Board Risk Committee
• The Governance Committee
Previously, Mr. Farag assumed the following key positions:
• Assistant Sub-Governor at The Central Bank of Egypt for On-Site Inspection.
• Vice-President, Risk Head and member of the Credit Committee at Samba Financial Group, Riyadh, KSA.
• Corporate Banking Division Head at National Bank of Egypt, Cairo.
Education & Qualifications
BSc. in Accounting – Ain Shams University – Egypt.
Diploma in Finance - Ain Shams University – Egypt.
Ms. Ghada Mostafa joined the board of the company on February 18, 2018 as a Non-Executive Board member.
She is also member of the Company’s Risk Committee, Board Credit Committee and the Governance Committee.
Ms. Ghada has had a notable career in the fields of audit, accounting and banking, having spent 23 years with KPMG, Banque Misr, Abu Dhabi Islamic Bank (ADIB) and National Bank of Kuwait (NBK) where she held influential roles in different financial sectors.
In 2016, she joined United Bank as Deputy Credit Risk Officer (CRO) and is now Head of Investment & Technical Office.
Ms. Ghada graduated from Cairo University and had her MBA from Ain Shams University in Banking & Finance.
She is also a board member at Light House Education Company and the Supervisory Council in Avanz Manara for Private Equity.
She is also member of the Company’s Risk Committee, Board Credit Committee and the Governance Committee.
Ms. Ghada has had a notable career in the fields of audit, accounting and banking, having spent 23 years with KPMG, Banque Misr, Abu Dhabi Islamic Bank (ADIB) and National Bank of Kuwait (NBK) where she held influential roles in different financial sectors.
In 2016, she joined United Bank as Deputy Credit Risk Officer (CRO) and is now Head of Investment & Technical Office.
Ms. Ghada graduated from Cairo University and had her MBA from Ain Shams University in Banking & Finance.
She is also a board member at Light House Education Company and the Supervisory Council in Avanz Manara for Private Equity.
Mrs. Suzan El Sirgany joined the Board of the company on September 28, 2020 as a Non-Executive Board member.
She is also the Chairman of the Company’s Audit Committee and member of the Risk and the Remuneration Committees.
Mrs. Suzan is a veteran banker with 40+ years of experience in leading financial institutions, namely: Bank of America, Cairo, American Express Bank, Cairo, Egyptian American Bank, Beltone Financial Services and National Bank of Kuwait, Cairo.
Throughout the course of her extended career, she gained extended experience in the fields of Central and Treasury Operations, Securities, Asset Management, Brokerage, Custody, Back Office, Trade Finance, Mutual Funds, Operations Procedures, Core System Migration, in addition to managing Central Units in prior roles such as IT, Information Security, Data Cleansing, Procedures Operations and ATM System Reconciliation.
She is also the Chairman of the Company’s Audit Committee and member of the Risk and the Remuneration Committees.
Mrs. Suzan is a veteran banker with 40+ years of experience in leading financial institutions, namely: Bank of America, Cairo, American Express Bank, Cairo, Egyptian American Bank, Beltone Financial Services and National Bank of Kuwait, Cairo.
Throughout the course of her extended career, she gained extended experience in the fields of Central and Treasury Operations, Securities, Asset Management, Brokerage, Custody, Back Office, Trade Finance, Mutual Funds, Operations Procedures, Core System Migration, in addition to managing Central Units in prior roles such as IT, Information Security, Data Cleansing, Procedures Operations and ATM System Reconciliation.
Mr. Mohamed El Toukhy began his career with Commercial International Bank (CIB) at the Trade Finance Department in 1979. He has risen through the ranks, assuming leading positions in Operations, Branch Management and Corporate Banking. In July 2006, he was selected by CIB’s Board of Directors to lay the foundation for the Consumer Banking Line of Business (LoB) leading a team of 3000 employees. Mr. El Toukhy led the transformation of the organization into a modern Consumer Banking franchise and led the Branches’ Network and Retail Banking to unprecedented success.
During his tenure, the number of CIB branches has grown three folds to reach about 180 branches. Moreover, the Bank’s Assets and Liabilities have been growing on solid growth trajectories, with CIB taking leading positions in Credit Cards, Auto Loans, Personal Loans, Current & Saving accounts, Time Deposits, Certificates of Deposit and Investment / Insurance products among all private sector banks.
In terms of profitability, the Consumer Bank has managed to increase its share of the Bank’s net income from only 10% in 2006 to approximately 30% by the end of 2015.
In his capacity as the CEO of the Consumer Banking Group, Mr. El Toukhy has been an active member in the following CIB’s committees:
• Executive Committee • Assets & Liabilities
• Human Resources • Consumer Risk
Upon his retirement in 2016, he was appointed as an advisor to the Board of Directors reporting to the Chairman of the Board until he left CIB in 2020.
Beside his pivotal roles in CIB, Mr. El Toukhy assumed the following responsibilities:
• Board Member at CI Capital
• Chairman of the BoD of Commercial International Life Insurance (CIL)
Mr. El Toukhy’s educational background is anchored in his graduation from the Faculty of Commerce, Alexandria, in 1977, where he majored in Accounting. Complementing his practical experience, he has continuously participated in several domestic and international training programs.
He has participated in courses conducted by renowned institutions including, but not limited to, Chase Manhattan’s Credit Course & several Management & Leadership courses at world leading universities such as Cambridge (UK) and Queen’s University (Canada) among others.
At present, Mr. El Toukhy is an independent board member in the following two companies:
• AXA Insurance Company
• Talaat Moustafa Holding Company
Mr. Mohamed Omran joined the board of the company on September 28, 2020 as an Independent Non-Executive Board member.
His areas of significant expertise include: Telecommunications Engineering Networks, Computer Systems and Information Technology. At the beginning of 1994, he established the Misr Information and Trade Service Company (MISTT) which helped to connect and supply real- time trading info from the local stock exchange & International money and commodity markets to thousands of government & non-government clients. Mr. Omran was chosen by the Egyptian Prime Minister then to establish (ITIDA) at the smart village to help develop both the Telecommunications Sector & IT markets.
He is also a board member of the Egyptian British Chamber of Commerce, Egyptian Businessmen Association, Egyptian –French CAFÉ and the French (EXPLEO) Company.
His areas of significant expertise include: Telecommunications Engineering Networks, Computer Systems and Information Technology. At the beginning of 1994, he established the Misr Information and Trade Service Company (MISTT) which helped to connect and supply real- time trading info from the local stock exchange & International money and commodity markets to thousands of government & non-government clients. Mr. Omran was chosen by the Egyptian Prime Minister then to establish (ITIDA) at the smart village to help develop both the Telecommunications Sector & IT markets.
He is also a board member of the Egyptian British Chamber of Commerce, Egyptian Businessmen Association, Egyptian –French CAFÉ and the French (EXPLEO) Company.
Sheikh Sultan Mohammad Bin Saleh Bin Sultan joined the company’s board on February 23, 2004 as a Non-Executive Board member.
Sheikh Sultan Mohammad Bin Saleh Bin Sultan is the Owner and Chairman of Salehiya Medical (previously known as Salehiya Establishment), the leading healthcare services & solutions provider in the Kingdom of Saudi Arabia. Salehiya’s highly differentiated diverse range of offerings extend from hospital equipment and supplies to human and veterinary pharmaceuticals, supported by state-of-the-art logistical capabilities.
Sheikh Sultan holds a Master’s degree in Public Administration from the University of Southern California, and a Bachelor’s degree in Political Science from the University of Oregon. He also has an academic background from the Harvard University John F. Kennedy School of Government, amongst other institutions, where he attended multiple education programs.
Sheikh Sultan Mohammad Bin Saleh Bin Sultan is the Owner and Chairman of Salehiya Medical (previously known as Salehiya Establishment), the leading healthcare services & solutions provider in the Kingdom of Saudi Arabia. Salehiya’s highly differentiated diverse range of offerings extend from hospital equipment and supplies to human and veterinary pharmaceuticals, supported by state-of-the-art logistical capabilities.
Sheikh Sultan holds a Master’s degree in Public Administration from the University of Southern California, and a Bachelor’s degree in Political Science from the University of Oregon. He also has an academic background from the Harvard University John F. Kennedy School of Government, amongst other institutions, where he attended multiple education programs.
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