About us

EHFC is a fully owned subsidiary of Credit Agricole Egypt and one of the first private sector mortgage companies in Egypt, Incorporated 2004.

CréditAgricole Egypt is a subsidiary of the CréditAgricole Group, a market leader in Universal Customer-Focused Banking in France and one of the largest banks worldwide. With operations in 50 countries, CréditAgricole Group seeks to serve the real economy by supporting its clients’ projects in all areas of retail banking and associated specialized business lines. Emphasizing its values and commitment, CréditAgricole Group is the bank of common sense. It puts the satisfaction and the interests of all its customers, employees and shareholders at the heart of its activities.

Established in 2006, CréditAgricole Egypt has become an active player in Egypt’s financial industry offering a wide range of innovative and convenient products to its clients across the entire spectrum: Corporate, SMEs and individuals. CréditAgricole Egypt’s key goal is customers’ satisfaction by valuing and prioritizing their best interests Thus, CréditAgricole Egypt has created specialized segments to cater its customers’ needs by offering the sound advice and tailored financial solutions. Accessibility and customers’ convenience is a priority for CréditAgricole Egypt that offers a nationwide network of branches and ATMs. Also, the bank is considered as a market leader in terms of electronic services by offering state-of-the-art electronic banking solutions.

Board of Directors

Antoine Paliard, joins the bank in 2019 as Head of Proximity Banking Development. He is a member of the General Management Committee of CAE and the Chairman of EHFC, subsidiary specialized in mortgage Finance. He was previously the Head of Wealth Management Dept. at Credit Agricole Regional Bank of Touraine & Poitou.

He started his career 14 years ago in LCL Le Crédit Lyonnais- (inspection- corporate hub) . He was Inspector then promoted to Head of the mission (from 2005-2010). Further he became the Director of Corporate Business Center (from 2011-2014) whereby his main challenges were the definition & management of a comprehensive development plan including staff evolution and business portfolio management including complete monitoring of Quality & Performance.

He spent the consecutive (4) years until Dec 2018 as Head of Wealth Management Dept. Credit Agricole Regional Bank of Touraine & Poitou . During that time Antoine performed several assignments of which the top priority was to build the Regional Bank Wealth Management strategy. This included animation & marketing campaigns on the whole wealth management segment while monitoring and optimizing the Private Banking agencies.

Following this fruitful experience, he moved to Egypt to take over Proximity Banking Development & Innovation in Credit Agricole Egypt.

Antoine Paliard holds a master degree in Agronomy

Amal EL SAIED is the Managing Director of EHFC, the subsidiary of Crédit Agricole Egypt which is specialized in mortgage Finance.
She is also a member of the General Management Committee of CAE .
Previously she was the Deputy Head of Innovation & Development of Crédit Agricole Egypt up till Oct.2019.

Amal, is an Experienced Business Development and Innovation Deputy Head with more than 25+ years of Retail banking business experience managing and responsible for the development and implementation of retail strategy to distribution channels, products and services development, digital and transformational Bank, communication & marketing services, insurance business, customer satisfaction & customer experience along with the long channels. Capitalizing on this strong exposure within retail & commercial business /marketing & development in both retail distribution management and the development side had built a successful career in professional organization that is market leader in a highly competitive banking field of products & services.
She has a high business oriented sense and strongly believes that the best part of innovation & creativity is never to be afraid to be out of comfort zone.

Olivier BALIMA, Head of Proximity Banking Development & Innovation since November 2015, is a member of the Executive Committee of CAE and the Chairman of EHFC, subsidiary specialized in mortgage Finance. He was previously the Head of Retail & Private Banking Division since he joined Crédit Agricole Egypt in March 2014.

  He started his career 20 years ago in Crédit Agricole Provence Cote d’Azur Regional Bank. He spent more than 6 years within this Regional Bank’s Office in Monaco in different positions and the most recent was Head of Investment Department. Then he joined the Head Office of Crédit Agricole S.A. in Paris within the Group's Internal Audit Division (Inspection Générale Groupe). He spent 5 years as an Auditor and Mission's Head, where he performed several assignments on different Business Lines of the Group (Retail and Private Banking in France and abroad, Asset Management, Bancassurance, Corporate & Investment Banking, Consumer Finance).

  Following this fruitful experience, he was appointed, within the Audit-Inspection Business Line,  Supervisor of the International Retail and Commercial Banking subsidiaries of the Group in December 2010. He was appointed in 2013 as a member of CA Group Senior Executive Management.

Olivier BALIMA holds a Master degree in Finance (NVQ Level 5).

PASCALE BOHN has been appointed Credit Agricole Egypt Chief Financial Officer and a member of the Executive Committee since March 2015. She joined CA Egypt from a Regional Bank in France, CRCAM Aquitaine in Bordeaux, where she worked as the Head of Finance and IT departments for 9 years.

  Prior to joining CA Egypt, she spent 28 years as Chief Financial Officer in Retail Banking, in the fields of FINANCE/STRATEGIC PLANNING/RISK and IT, first in Caisse Epargne Group and since 2004, in Credit Agricole Group.

PASCALE BOHN graduated from Ecole Superieure de Commerce de Lille (1986), appointed as member of CA Group Senior Executive Management since 2004.

Hala Ragab is currently the Corporate Secretary, Head of Legal (since 1996), Alternative Investor Relations Officer and Board/Audit Committee member in EHFC the mortgage company owned by CAE . She has 37 years of experience. Joined the former Egyptian American Bank legal department in 1980, participated in the merger with American Express Bank (2005) and the Credit Agricole acquisition of the Egyptian American Bank in 2006. 

Hala Ragab is graduated in the Faculty of Law, University of Alexandria in 1980. Post graduate studies LLM, University of Ottawa, Canada in International Law.

Mr. Flament has been appointed CAE Chief Risk Officer and member of the Executive Committee starting October 2017

Between July 2015 and August 2017, he was Chairman of the Board of Directors and Chief Executive Officer of Credium Group, Czech and Slovak subsidiaries of Crédit Agricole Consumer Finance (CA CF). He is a member of Circle 2 of Crédit Agricole Management since 2010. In 1991-1992, he worked as Individual Sales Advisor in Banque Populaire Champagne Lorraine in France before joining Crédit Agricole Group in 1993.

From this date and till 1999, he worked as Corporate Sales Advisor and Manager in Crédit Agricole Champagne Bourgogne. Then, from 1999, he joined the General Inspection of Crédit Agricole S.A. to operate as Head of Mission until 2005, when he was appointed as Director of Internal Control functions in Crédit Agricole Alpes Provence.

Between 2007 and 2012, he supervised Internal Audit function in Emporiki Bank (retail bank subsidiary of Crédit Agricole in Greece, Balkans and Cyprus). From 2012 to 2015, he was Group Chief Risk Officer of CA CF and member of Group Executive Committee.

Hala Mahmoud El Dawakhly has qualifications with very deep and diversified banking experience in systems and functions distributed among Operations, IT, Finance, General Administration, Support Services and Real Estate. She has expertise in the setup, control of the Capital expenditure and General Expenses Budgets allocated for the bank expansions; IT Projects and global refreshment plans for bank equipment.

Hala is a Specialist in development of banking policies and procedures.

She is holding the position Chief Operations Officer and Administration in Abu Dhabi Islamic Bank (ADIB), one of the first banks promoting Islamic Banking globally in accordance with Islamic Sharia principles.

Prior to that she was Executive Vice President in Credit Agricole Bank, where she managed the General Administration; controlled the general expenses of the whole bank & the capital expenditures to cope with bank strategy in terms of supporting branches expansions.

Additionally, she Worked in Egyptian American Bank as Vice President and Deputy Chief Operations responsible for standardization of operations functions. She re-engineered all banking operating functions, Identified opportunities for quality improvements

She started her career in Information Technology, handled the migration of banking systems on different platforms plus the selection and implementation of new banking systems. Hala has a Bachelor and Diploma from Faculty of Economics and Political Sciences, Cairo University.

Has more than 25 years of diversified experience, working with bignames such as Orascom, SODIC and Arabia LEL ISTITHMARRAT.In 2006 was selected CEO & MD of TAMWEL Mortgage Company,one of Orascom Group’s companies. In 2010 became the grouptreasury director for SODIC Real Estate Development. And in 2013 was selected CFO for Arabia LEL ISTITHMARRAT Group. Over the past few years was elected as a BOARD MEMBER in several Companies, i.e. Rawaj for Cars trading, Delta Financial Investments,and Upper Egypt leasing Company.

  • - Consultant / General Manager Internal Audit at Egyptian Mortgage Refinance Co. (EMRC) Sept. 2015 to Mar. 2019
  • - Chairman & Managing Director Falcon Co. for Cash Shipments Feb. 2014 – Aug. 2015
  • - Has over 25 years of banking experience – last 2 positions as follows:
    • - General Manager - Internal Audit Division Head (2008 - 2010 Piraeus Bank)
    • - General Manager - Internal Audit Division Head & Chief Compliance Officer (2003 – 2008 Egyptian Commercial Bank (currently ABK – Egypt)

Mr. Gad is a seasoned, experienced financial and banking expert with 35+ years of experience. He has wide strong experience focused on the financial and banking sector with international and domestic financial market development experience and robust economic, regulatory and political changes background.

Mr. Gad held various positions in the public & private sector of which the most prominent were

  • - Vice Chairman and Managing Director Industrial Development & Workers Bank of Egypt (IDBE)
  • - Vice Chairman General Authority for Investment and Free Zones (GAFI)
  • - Head of Domestic Market Operations Central Bank of Egypt (CBE)
  • - Chairman Maine Development Company for the Economic Zone (MDC)

He is the founder and an active member in various associations:

  • - Founder and Former Vice Chairman of the Egyptian Dealers Association (ACI Egypt)
  • - Former Secretary-General of the Arab Cambist Association (ICA)
  • - Member of the Egyptian Capital Market Association (ECMA)
  • - Former member of the American Chamber of Commerce
  • - Founder and Board Member of the Egyptian Association for Governance and Board of Directors
  • - Member of the Egyptian European Council


Among her achievements were developing an overall business plan incorporating strategies and expected results, for products, revenues while ensuring synergy with all lines of business.

  • - Sept 2013 – Jan 2016 she was Head of SME , Enterprises Banking, responsible for Sales and Acquisition and Client Management of entire Small Medium Enterprises (SME) portfolio. She increased clients' flows, Structured product programs for SME , developed a credit risk policy and strategy.

  • - She has been in the banking sector since 1990 she held diverse banking positions in corporate banking , Risk , Trade Finance & Customer Service with Credit International D’Egypte, & Calyon Bank & Credit Agricole Indo Suez till she joined the SME in 2009 as SME Sector head ,Moreover she set up the strategy /budget for the SME division in the whole region.

  • - NEVINE SHOKRY owns a career of (28) years Banking experience . She holds a Bachelor of Commerce in 1989 (Concentration: Accounting), followed by a certified accounting diploma From AUC and MBA from Arab academy for science & technology specializing in Banking & Finance.

Iman has over 30 years’ experience in the financial services industry in Egypt. She is currently working with Industrial Development and Workers Bank of Egypt to reorganize their subsidiary into a leasing company.

Previously she was the Wholesale Banking Head of ADIB Egypt. And prior to ADIB Egypt, she was the Managing Director of the Egyptian Mortgage Refinance Company (EMRC), the secondary mortgage facility of Egypt. Following her graduation from the American University in Cairo in 1983 with a B.A. in Economics, Iman joined the Egyptian American Bank. In 2001 she joined Citibank NA Egypt as a Vice President in the Corporate and Investment Bank.

Throughout her career Iman has maintained close relationships with the major corporate and financial institutions in Egypt. In her different capacities, she has been involved in several landmark corporate finance deals.

Our Mission

Provide a broad range of Mortgage Finance Products emphasizing our commitment to providing outstanding service to our clients and contributing to the development of a viable Real Estate Finance sector in Egypt

Our Vision

Our strategy focuses on EHFC becoming a one-stop shop for all our clients’ real estate needs, the point of origination of all real estate sales transactions.