- CEO
- Hazem Mohammed Moustafa M. Ali
- Sector
- Finance
- Industry
- Financial conglomerates
- Address
- Cairo Egypt
- IPO Date
- Jun 7, 2010
- Business
- Arabia Investments Holding S.A.E. is an Egypt-based diversified investment holding company engaged in non-banking financial services, automotive distribution, heavy equipment trading, building materials manufacturing, and specialized contracting services. Founded in 2010 and headquartered in Cairo, Egypt, the company operates across four primary business segments: Non-Banking Financial Services (NBFS), Automotive and Commercial Vehicles, Industrial and Building Materials, and Energy and Infrastructure. Through its core financial subsidiaries, including Rawaj Consumer Finance and UE Finance (Upper Egypt Leasing), the company provides automotive installment loans for new and pre-owned passenger vehicles; direct consumer credit for electronics, home appliances, educational tuition, healthcare procedures, and club memberships; point-of-sale merchant financing solutions; financial and operational leasing for industrial machinery, commercial real estate, transport fleets, and medical equipment; and structured factoring and accounts receivable discounting facilities for micro, small, and medium-sized enterprises (MSMEs) and corporate clients. Through its automotive and machinery subsidiaries, including Cairo Development and Cars Manufacturing (CDCM) and affiliated trading arms, the company sells and distributes passenger cars, light commercial vehicles, heavy-duty trucks, and municipal transport vehicles; distributes original equipment manufacturer (OEM) automotive spare parts, tires, and mechanical components; operates authorized vehicle repair workshops, maintenance facilities, and paint centers; and supplies construction equipment, earthmoving machinery, material handling equipment, and diesel power generators. In its Industrial and Building Materials division, the company manufactures and distributes concrete masonry units, interlocking paving stones, precast concrete elements, and specialized building supplies, while delivering electromechanical engineering and infrastructure contracting services. The company primarily targets retail consumers, commercial fleet operators, industrial manufacturers, and corporate enterprises across Greater Cairo, Alexandria, the Nile Delta, Upper Egypt, and the Suez Canal Economic Zone. In recent strategic developments, Arabia Investments Holding has undertaken a comprehensive portfolio optimization program centered on scaling its high-margin non-banking financial services platform. As part of this expansion, the group completed multiple asset-backed securitization bond issuances through Rawaj Consumer Finance and UE Finance to diversify funding sources, lower weighted average cost of capital, and expand loan origination capacities. Additionally, the company launched proprietary digital credit-scoring systems and mobile onboarding platforms to accelerate merchant partner integrations, entered strategic merchant partnerships across retail and healthcare sectors, and restructured its automotive operations by expanding multi-brand aftermarket maintenance contracts and spare parts distribution networks to navigate market import dynamics.