Societe Arabe Internationale de Banque

What Societe Arabe Internationale de Banque does

Societe Arabe Internationale de Banque (SAIB) is an Egyptian commercial bank established on March 21, 1976 under Investment Law 43 of 1974 (as subsequently amended), operating from its headquarters in Giza with a network of 183 branches and ATM locations across Egypt. The bank serves three primary customer segments — retail, business/corporate, and Islamic banking — through a horizontal segmentation approach. It is publicly listed on the Egyptian Exchange (ticker: SAIB) with paid-up capital of US$331 million distributed across 33 million shares at a par value of US$10, against authorised capital of US$350 million.

The product platform spans conventional retail accounts (savings, current, certificates of deposit, time deposits, payroll services), a full card suite across debit, credit, and prepaid tiers (World Elite, Platinum, Titanium, Classic; Mastercard-integrated with contactless and Rewards Points), personal lending (auto, cash, educational, variable cash loans), and mortgage programs (CBE Mortgage Initiative, traditional financing, Ijara for Islamic customers). Corporate banking covers large-enterprise credit facilities, syndicated loans, SME services, and treasury products including four mutual funds (SAIB Fund 2, SAIB Fund 3, Youmy Money Market Fund, Sanabil Islamic Fund). The technology layer is built on standard digital-banking rails — internet banking, mobile banking, Corporate Internet Banking, WhatsApp Business, SMS Alert, ATMs, and the national IPN Instant Payment Network — with no proprietary AI/ML assets disclosed.

Revenue is generated through three streams: net interest income on loans and credit facilities (including mortgages) across both retail and corporate books, transaction-based fee and commission income from account management, cards, and payment services, and investment/treasury revenue from mutual fund management, custody, and margin trading. Distribution is sales-led through the branch network and inside sales via the contact center (16668), with self-service digital channels complementing the model. The bank is a consortium participant in Egyptian debt-capital-markets transactions, including an EGP 2bn Incolease securitisation in March 2026, and was represented among 28 institutions at the Finnovex North Africa 2026 summit.

Name

Societe Arabe Internationale de Banque

Legal name

Societe Arabe Internationale de Banque

Website

https://saib.com.eg

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Societe Arabe Internationale de Banque (SAIB) is an Egyptian commercial bank founded in 1976, operating 183 branches nationwide and serving retail, corporate, and Islamic-banking customers with deposits, lending, cards, mortgages, mutual funds, and digital banking services.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Islamic Deposit & Account Products (Current/Savings/Investment Accounts) (FSABAGAI), Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF)

Keywords

• Retail banking
• Corporate banking
• Islamic banking
• Mortgage lending
• Mutual funds

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans, credit facilities, and mortgages for both retail and corporate customers
2. Fee and Commission Income: Fees from banking services including account management, transactions, credit cards, and other financial services
3. Investment and Treasury Services: Revenue from mutual funds management, custody services, and margin trading for customers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels2 records

Core offering

Societe Arabe Internationale de Banque (SAIB) is an Egyptian bank that offers deposit products (savings, current, certificates of deposit), personal and business loans (auto, cash, educational, mortgage), debit/credit/prepaid cards with Mastercard, Islamic banking services through a dedicated branch, four mutual funds, and digital banking channels (internet, mobile, WhatsApp business, IPN). It serves individual retail customers, SMEs, large corporates, and financial institutions through 183 branches and ATMs across Egypt.

Product overview

Societe Arabe Internationale de Banque (SAIB) is an Egyptian bank established in 1976 offering a comprehensive banking platform with retail, corporate, and Islamic banking services. The core product portfolio includes everyday banking accounts and deposits (saving accounts, current accounts, certificates of deposit, time deposits), card products (World Elite, Platinum, Titanium, Classic debit and credit cards with Mastercard integration), personal loans (auto, cash, educational, variable cash), and mortgage programs (CBE Mortgage Initiative, Traditional financing, Ijara Program). Digital services include Internet/Mobile Banking, Corporate Internet Banking, IPN (Instant Payment Network), WhatsApp Business, and SMS Alerts. Investment products comprise four mutual funds: SAIB Fund 2 (equity), SAIB Fund 3 (periodic return), Youmy Fund (money market with daily cumulative return), and Sanabil Islamic Fund (Sharia-compliant). Premium services include SAIB Excellence for high-net-worth clients and Super Shopper loyalty program. The bank also offers Islamic banking products through its dedicated Islamic branch, business banking services for corporates and SMEs, and treasury services.

Differentiator

Problem solved

Functional benefit

Products and services

• Everyday Banking Accounts Personal banking accounts including savings accounts, current accounts, and payroll services for individual customers.
• Certificates of Deposit and Time Deposits Time deposits and certificates of deposit offering competitive interest rates in Egyptian and foreign currencies.
• Debit Cards Range of debit cards including World Elite, Platinum, Titanium, and Classic variants with contactless feature and Mastercard rewards program.
• Credit Cards Personal credit cards available in Platinum, Titanium, and Classic tiers with contactless feature and Mastercard rewards.
• Prepaid Cards Prepaid card offerings including SAIB Prepaid card and Meeza, with contactless feature and rewards program.
• Personal Loans Loan products including Auto Loan, Cash Loan, Educational Loan, and Variable Cash Loan for individual borrowers.
• Mortgage Programs Real estate financing through CBE Mortgage Program Initiative, Traditional real estate financing program, and Ijara Program (Islamic financing).
• Internet/Mobile Banking Digital banking services enabling retail customers to view accounts, schedule transactions, request certificates, transfer funds, and access account status 24/7.
• IPN (Instant Payment Network) National Instant Payment Network service for real-time fund transfers.
• Corporate Internet Banking Service enabling corporate clients to conduct banking transactions remotely including account viewing, transaction scheduling, certificate requests, salary transfers, and fund transfers.
• SAIB Fund 2 Mutual fund offering capital appreciation through access to local, regional, and global equity markets.
• SAIB Fund 3 Mutual fund with periodic return feature for investors seeking regular income.
• Youmy Fund (Money Market Fund) Money market fund with daily cumulative return for investors seeking liquidity and stable returns.

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Five partnerships are on record, tiered minor and core.

• FinnovexminorStrategic or Co-development Partner · 8 April 2026SAIB Bank mentioned as one of 28 major banks and financial institutions participating in Finnovex North Africa 2026 summit, a fintech event focusing on Egypt's fintech revolution and financial inclusion aligned with Central Bank of Egypt's Second Financial Inclusion Strategy (2026-2030).
• Al Ahly Securitization CompanycoreStrategic or Co-development Partner · 29 March 2026SAIB participated as a consortium bank in Al Ahly Pharos Investment Banking's successful EGP 2bn securitisation issuance for Incolease. The transaction was the first issuance under Al Ahly Securitization Company's ninth programme and the first leasing securitisation transaction in Egypt's debt capital market in 2026. SAIB joined National Bank of Egypt, Al Baraka Bank Egypt, and Arab African International Bank as consortium participants.
• National Bank of EgyptcoreStrategic or Co-development Partner · 29 March 2026SAIB joined National Bank of Egypt as a consortium participant in the EGP 2bn securitisation issuance for Incolease, structured across three tranches rated AA+, AA, and A- by MERIS.
• Al Baraka Bank EgyptcoreStrategic or Co-development Partner · 29 March 2026SAIB participated alongside Al Baraka Bank Egypt in the EGP 2bn securitisation transaction for Incolease, backed by receivables portfolio worth EGP 2.86bn.
• Arab African International BankcoreStrategic or Co-development Partner · 29 March 2026SAIB participated alongside Arab African International Bank in the EGP 2bn securitisation issuance, the first leasing securitisation transaction in Egypt's debt capital market in 2026.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Al Baraka Bank Egypt: Egyptian bank combining conventional and Sharia-compliant banking. Comparable to SAIB's dual-model franchise and an active consortium counterparty alongside SAIB in the Incolease securitisation.
• Arab African International Bank (AAIB): Cairo-based joint-stock bank offering retail, corporate, and investment banking. Comparable product set and Egyptian footprint; another consortium participant with SAIB in the 2026 Incolease securitisation.
• Banque Misr: Major Egyptian state-owned bank providing retail, corporate, and Islamic banking. Comparable in scale, branch footprint, and product mix; one of the dominant competitors in the Egyptian mass and SME markets where SAIB operates.
• National Bank of Egypt: Egypt's largest state-owned bank offering retail, corporate, and Islamic banking. Directly comparable as a full-service Egyptian commercial bank; SAIB has transacted alongside NBE as a consortium participant in EGP 2bn securitisations.
• Commercial International Bank (CIB Egypt): Largest private-sector bank in Egypt with retail, corporate, and investment banking. Closely comparable customer segments, product breadth, and digital-banking focus, making it the primary private-sector benchmark for SAIB.
• Banque du Caire: Egyptian commercial bank serving retail, SME, and corporate segments with a growing Islamic banking offering. Directly comparable in target customer base and product breadth.
• Qatar National Bank (QNB) Egypt: Egyptian subsidiary of QNB Group providing retail, corporate, and treasury services. Comparable as a full-service Egyptian commercial bank with regional parent backing.

Broad incumbents

• Emirates NBD Egypt: Egyptian operations of Emirates NBD Group, a large regional banking incumbent. Comparable in retail and corporate banking products, with broader group resources than SAIB.
• HSBC Egypt: Egyptian subsidiary of HSBC providing retail, commercial, and transaction banking. Comparable in product breadth and corporate-banking capabilities, though skewed to higher-end customer segments.

Emerging players

• Faisal Islamic Bank of Egypt: Dedicated Islamic bank in Egypt offering Sharia-compliant retail and corporate products. Comparable as a peer for SAIB's Islamic banking segment, though narrower in scope than SAIB's dual-model platform.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/societe-arabe-internationale-de-banque

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Societe Arabe Internationale de Banque