With a history of solid tradition and modern banking, since its establishment, Arab African International Bank (AAIB) is Egypt’s fastest growing bank in terms of size and profitability.
This growth rate substantiates AAIB's vision to be the leading financial group in Egypt, providing innovative services with a strong regional presence, being the gateway for international business into the region.
The Bank's growth was given further impetus in 2008 with the establishment of new subsidiaries: Arab African Investment Holding (AAIH), Arab African Investment Management (AAIM), Arab African International Securities (AAIS), and Arab African International Fund Management Administrators (AAIFA).
Arab African Investment Holding has the vision of being one of Egypt's leading investment institutions that establishes companies covering different sectors, it started with establishing both companies: AAIM and AAIS.
Arab African Investment Management is a specialized asset management firm that covers the MENA region. Building on a heritage of innovation and customer service from its parent company AAIB, AAIM has brought together tradition and innovation to develop a market-led approach to wealth creation, across some of the world's fastest-growing, emerging markets.
Another subsidiary, Arab African International Securities, covers the local market and enjoys strong business relations with regional and international players. Currently AAIS acts as a brokerage firm, offering a wide array of services, including online trading, same-day trading, short selling, margin lending and other related services.
AAIB is a major contributor to the Egyptian debt capital market with a powerful role in structuring, managing, book running and successfully closing syndicated loans. This has further consolidated AAIB's core competency in investment and corporate banking, and the traditional bonds market. The bank is a high-end service provider of innovative and customized solutions to leading local and regional corporates and international investors.
Regional expansion is another pillar for AAIB's growth strategy; the bank led a number of major syndications in the fields of infrastructure and construction, which has further strengthened its position as a leading investment bank in the region. Enjoying a strong customer base and an active corporate strategy.
AAIB has full fledged commercial banking operation in the United Arab Emirates (UAE), with branches in Dubai and Abu Dhabi. The Regional office in Dubai acts as the focal hub for the group's corporate business across GCC countries and is the launch pad for the future expansion of branch network, within the Gulf countries. The principal focus of our business in UAE and across the Gulf remains Corporate Banking and Trade Finance activities.
With only 10% of Egypt's population dealing with banks, AAIB sees retail as a viable growth area and a fertile field for introducing innovative products and services to the market. AAIB is the first to introduce credit cards to Egypt in the eighties and the chip technology in 2003 through its capacity as both issuer and acquirer. In 2007, AAIB launched a variety of innovative products and services. With the Visa Mini Card, it introduced the smallest credit card to the Egyptian market following its earlier introduction of smart technology cards.
Merchants also benefited from technology enhancement as AAIB introduced GPRS points of sales where the Bank maintains its leading market share through the migration of all its merchants POS to accept cutting edge smart card technology at highest security standards. The Bank also strengthened its Merchant Program by launching merchant loans availing optimal financing to expand size and scope of their business activities guaranteed by the value of total electronic payment transactions settled between the bank and the merchants, thus eliminating the need for collaterals or personal guarantees. Along with this, Click2Shop complements AAIB's merchant portfolio, being an internet payment gateway enabling merchants to accept online payments via their websites. The program is securely coded by international MasterCard and an authorized license by Visa (VBV).
In 2008, AAIB's mandate to add value to stakeholders was institutionalized through establishing a CSR Unit with the 
objective of enacting professional adherence to codes of conducts and ethics in dealing with stakeholders. This inclination is enforced through AAIB's engagement within international organizations that enlighten and substantiate its CSR policies. AAIB is a member of the UN Global Compact which focuses on human rights, labour standards, the environment, and anticorruption. AAIB has also joined London Benchmark Group (LBG), a London-based organization that provides standard parameters measuring the effectiveness of corporate contribution to community development. Recently, AAIB has adopted the Equator Principles, a banking industry framework for addressing environmental and social risks in project financing.
In January 2007, and with a track record at the Cairo Pediatrics specialized hospital since 2004, AAIB launched its foundation for social development, “We Owe it to Egypt”. Although established by the bank, its scope and objectives extend far beyond the bank's identity with its primary goal to enact a nation-wide initiative that inspires and mobilizes the corporate sector towards making a fundamental and positive difference in the fields of public health and education in Egypt. It is now at an advanced stage of expanding its CSR into the Gulf countries, replicating, where possible, the experiences it has gained on the home turf.