British International Investment

Banque du Caire SAE

North AfricaFinancial services

Banque du Caire is a commercial bank in Egypt.

Our investment

Description of the investment.

The aim of the investment includes supporting further financing to build resilience and create economic opportunities for firm employees, owners, suppliers and households in Egypt.

Impact information

Applies to investments made from 2019 onwards. The tabs in this section define what we expect to achieve through the investment, assessing the potential impact of the investment against six dimensions of impact. You can find more details on our methodology of assessing impact here.


  • Support economic opportunities for business owners, their employees and suppliers who are better able to manage liquidity and risk and invest in growth via improved access to credit (SDG 8.3, 8.10).
  • Retail customers will be able to manage personal liquidity, improving their resilience (SDG 1.4).


  • Economic enabler: Our loan will support the bank's lending to the micro firm, SME and corporate segments. Through increased access to capital, these firms will be able to better manage risk and liquidity as well as invest in growth.
  • Direct: Individual households will also benefit, as increased access to credit will enable individuals to manage risk and liquidity, and invest in productive assets.


Stakeholder Geography Characteristics
Employees, suppliers, owners


The micro firm segment has c.200,000 clients, 59% of whom are informal (by loan volume) and 40% are female. Typical SME loans sizes range from $54,100 to $1.1 million. The bank has over 300 corporate clients, mostly local currency lending.



The retail segment has c.3 million clients. Lending focusses on auto loans, secured loans, mortgages and payroll lending.

How much?

Scale Depth/Duration

The bank forecasts an increase in lending by c.60%.

  • Duration: Impact of access to finance via increase in loan book expected over 10-year tenor.
  • Depth: Egypt has persistent and low rates of domestic credit to the private sector and formal financial inclusion. Given the range of loan sizes and segment strategies, it’s likely the bank will serve a material number of underbanked firms and households.


  • Financial additionality: Capital is not offered in sufficient quantity. Capital is not offered on the same terms


Evidence Risk
  • Risk of loan not delivering the impact we expect in target segments.
External Risk
  • risk of shocks that lead the bank to reprioritise segments that are less of a priority for Our expected impact.

Impact score

Impact score (at point of investment)

The Impact Score is a tool to help us manage our performance against our strategic impact objectives. It is designed to incentivise investments that support our productive, sustainable, and inclusive objectives. You can find out more here.

The Impact Score is published for investments made from 2022 onwards. The Impact Scores are calculated at the point of investment. We publish the Impact Scores of new investments annually, once the information has been externally assured by an independent third party.


Environmental and social information

  • Environmental and social summary

    A high-level description of the environmental and social aspects of the investment. This may include a summary of key environmental and social risks identified during environmental and social due diligence (ESDD); key elements of an environmental and social action plan (ESAP); or ways in which we plan to support the investee improve environmental and social standards, such as through their environmental and social management system (ESMS); as well as any other priority areas agreed with the investee.

  • Environmental and social risk

    A risk category rating, which indicates the level of environmental and social risk associated with an investment. For an explanation of the categorisations used, see here. We consistently provide an environmental and social risk category for all investments screened from 2023 onwards.

Environmental and social summary

We agreed on an ESAP focused on developing and implementing an ESMS, establishing an appropriate environmental and social governance structure and hiring adequate resources to implement the ESMS. BDC will also update its HR policies.

Reporting and Complaints Mechanism

The Reporting and Complaints Mechanism allows anyone outside BII to report alleged breaches of the business integrity or environmental and social provisions of BII’s Policy on Responsible Investing. This includes breaches made by BII, a BII investee, or a portfolio company of a fund in which BII has invested. The Reporting and Complaints Mechanism Rules are available here. Reports and complaints can be submitted by email to [email protected] or by mail. See more details on our Reporting and Complaints Mechanism here.

For any other general enquiries contact us at [email protected]

  • Key facts

    Last updated

    When the last quarterly update of the website database occurred.

    June 2024
    Project number

    An identifier number shared by investments in the same project.


    The current status of the investment (green flag for active and red flag for exited).


    The geographical region where the country is located. We currently invest in Africa, South Asia, South East Asia and the Caribbean. In 2023, BII’s investment mandate was extended allowing it to invest in regional funds linked to Ukraine, with the majority of activity expected to begin post-war. Investments outside these regions were made prior to 2012 under previous investment mandates.

    North Africa

    The countries where the investment delivers impact. Where impact is delivered in multiple countries, this is indicated.


    We prioritise those sectors that facilitate development and need our capital the most. Our priority sectors contribute towards many of the Sustainable Development Goals. They range from investing in the power infrastructure that will provide people with better access to electricity, to investing in financial institutions that direct capital to the individuals and businesses that need it the most.

    Financial services

    We provide capital in the following ways: directly – through direct equity, direct debt, guarantees and other non-intermediated financial instruments; and indirectly – principally through investment funds.

    For direct investments and fund investments, this is the date BII committed capital to the investments. This is typically the date on which legal agreements are signed by all parties.

    For the portfolio companies of our fund investments, this is the date (either the month or the quarter) on which the fund committed capital to the portfolio company.

    For direct equity investments, this is the date at which British International Investment exited the investment.

    For debt investments, this is the date at which the final debt repayment was made.

    For funds, this is the date at which the fund was terminated.

    For underlying fund investments, this is the date at which the fund manager exited the investment.

    The total amount committed, per financial instrument, per investment, on the date BII becomes subject to a binding legal obligation to provide funding or assume a contingent liability. This information is provided in US dollars.

    For direct investments, this is the amount that BII has committed to the business or project. For fund investments, this is the amount BII has committed to the fund.

    The currency in which the investment was made.

    Investment type :
    Start date :
    December 2022
    Amount :
    Currency of investment :

    The company or investment fund’s place of incorporation.


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