Environmental scanning
Introduction to the Organization
The Export Development Bank of Egypt (EBank) was founded in 1983 with the
mission to boost and facilitate the Egyptian exports in all sectors, agricultural,
industrial and commercial.
EBank soon distinguished itself as a core of export operations in Egypt. EBank’s
emphasis on the client and dedicated vision to boosting exporters gained it the
trust of several Small and Medium Enterprises (SMEs), individuals and Financial
Institutions.
The bank plays an integral role locally and internationally. Locally through their
import substitution projects to improve local production, and internationally
through facilitating Egyptian products to the worldwide market through financing
export transactions. EBank’s full range of services is available to all of our
clientele.
EBank has branched out throughout Egypt and founded a network of
correspondent banks with economic ties to Egypt, all with the aim of facilitating
business to Egyptian exporters.
EBank supports industries through its diversified product offerings. Though EBank
lends special attention to exporters and import-substitution industries through
corporate lending and syndicated loans, its diversified financial packages are
extended to non-exporting industries as well.
EBank is committed to promoting the SME sector, as it recognizes that SMEs are
the back-bone of the Egyptian economy, representing more than 75% of total
employed workforce according to recent government estimates. Thus, EBank is
committed to facilitating SMEs, in line with the 2005 IFC Agreement Sustainability
Goals.
EBank Vision
To be the Ultimate financing Partner for clients, with a core focus on
Exporters, through introducing
Integrated innovative products & services aiming at maximizing all stakeholders’
values
EBank Mission
To be the leading export bank in Egypt providing banking and Financial services
catered primarily to Exporters through:
Introducing fully integrated innovative financial and investment Products and
services at the highest level of international standards.
Employing state of the art technology solutions for streamlined operations and
services.
Committing to full compliance with regulatory requirements.
Creating the best working environment for Employees to be the Employer of
choice.
Adopting Responsible CSR strategies to Enhance social, economic and
environmental sustainable welfare.
No. of Employees: around 1800 Employee serving in different channels
Slogan: our slogan is
E
E is reflecting many meanings from assuring on electronic Bank (Ebank) reflecting
the power of E as this is our strategy for the upcoming 3 years to get the utmost
benefit from the technology in our industry
Our Hero : DR Ahmed Galal (CEO)
Type of Culture : is adaptability culture as it relies on High Risk and fast response
in addition to be very responsive proactive to comply with the new Regulations
and innovate with in the acceptable boundaries
The Bank is National Organization as it already branched out throughout Egypt
and founded a network of correspondent banks with economic ties to Egypt, all
with the aim of facilitating business to Egyptian exporters.
EBank Products : Ebank offering many services to meet the market demand and
compete with the Market competitors to provide high end services to the
customers and that appear through the products, in addition to the technological
product to eliminate the barrier between the business and the Customer
demands Example: Mobile Banking/Phone banking/Internet Banking/EWallet/Instapay and card’s security.
Financial and Non-Financial Products and Services
Ebank extend a special interest in offering g products and serviced to clients
complying with the technological and market developments so as to ensure
clients satisfaction. This is accomplished through developing digital and traditional
product offerings to facilitate current and future client’s daily banking needs.
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Non- financial Services
Offering Nile-preneur services (such as application and licensing, feasibility
studies, marching suppliers to target markets)
Workshops, training development classes and sessions
Consulting services and market studies
Financial Services
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Accounts
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Payroll
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MEEZA Card
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Mini tariff
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Debit Cards
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Deposits
Environmental scanning
External Environment variables:
1-Task Environment variables:
Customers: Bank dependent on 2 major types of customers (Retail, Corporate)
Both affecting the bank directly by their financial stability and appetite to Invest
and expand
Competitors: Egypt have 40 Banks (CIB, QNB, NBE, SAIB , etc,,,) considered as
competitors in addition to the financial Corporates that partially provide same
services with different market shares the most significant banks in market shares
is the national Banks
Suppliers: EBank has different type of suppliers in all fields Ex. (stationary
suppliers, Furniture’s, finishing and electrical, Cars, etc,,,,,) company can
substitute all the suppliers with competitors in same field
Labor market: Employees in banking industry should be highly qualified
accordingly hiring processes is very difficult and sometimes faces scarcity in
resources
2-General Environment:
International variable: all international events have effect on banking industry Ex.
Tardiness in goods shipment affects banking customers and their ability to
commit to bank or expand on additional loans
Economic variable: banking sector affects directly with any economic change ex.
Currency change rate
Technological variable: Ebank relies on Technology in offering all services for
customer experience and facilitation of service ex (Mobile banking and Internet
banking etc,,,,)
Legal political variable: Ebank affected directly by country Regulations specially
CBE regulations and House of Representatives decisions
Natural variables: Egypt natural resources (Land , water, fertile soil ) in different
districts affects Ebank customers in decision taking for investment and dealing
with banking sector
Scio cultural variable values of the population in some districts imposes the Bank
to deal in special ways ex. Islamic Programs in loans
Internal environment variables:
Culture
Ebank affected by all Internal factors specially by human accordingly we valued
the below ethics
Empowerment
We select the best people and we are keen on providing continuous
training to achieve the highest levels of efficiency
We encourage employee empowerment and delegation of authorities to
create a succession plan guaranteeing sustainable success.
We are committed to loyalty and integrity in our behavior and we rely on
honesty and transparency in our actions.
Integrity
We perform our work with the utmost integrity and we are committed to
the highest levels of performance standards
We act ethically and deliver on our promises through making our actions
reflect our words;
We possess courageous integrity;
We are committed to loyalty and integrity in our behavior and we rely on
honesty and transparency in our actions.
Creativity
We encourage unique and innovative solutions and products aligned with
the needs of our customers through anticipating their needs.
We uphold simplicity in all the products and procedures that we offer,
without prejudice to the rules, laws and instructions
We believe that creativity and excellence are achieved only through sharing
our experiences, ideas, information and know-how.
Management type :Vertical management
Physical facilities: Ebank have a varity of facilities including buildings and Cars, accusation
buildings, datacenters, Companys