Egypt: QNB Alahli: Internal Capacity Building for MSME Lending

Country: Egypt
Language: EN
Number: 2301333
Publication date: 01-06-2017
Source: The European Bank for Reconstruction and Development (EBRD)




Business sector:

Financial institutions

Contract type:

Consultancy Services

Notice type:

Invitation for expressions of interest (CSU)

Issue date:

31 May 2017

Closing date:

28 Jun 2017 at 17:00 Cairo

Executing Agency (Client):

QNB Alahli Bank

The Client Contact Person:

Sally Hamdalla

Head of Multilateral Relationships & Funding

Qatar National Bank AlAhli

5 Champollion Street, Downtown, Cairo. Egypt.

Tel: +2027707321


The EBRD Contact Person:

Sophie Medert

European Bank for Reconstruction and Development

One Exchange Square

London EC2A 2JN

Tel: + 44 20 7338 7371

Fax: +44 20 7338 7451


Project Description: QNB Alahli (the “Client” or “QNBAA”) is the 4th largest bank in Egypt by asset size and the 2nd largest private bank. QNBAA has market shares of approximately 4.9%, 7.5% and 5.8% by assets, lending and deposits, respectively at the end of 2016. It also has one of the largest branch networks among commercial banks in Egypt and is an existing client of the European Bank for Reconstruction and Development (“EBRD” or the “Bank”).

EBRD provided the client with a senior unsecured loan of up to USD 100 million to be on-lent to Egyptian SMEs, increasing access to finance for a currently under-served segment. This loan follows the successful disbursement and on-lending of a first MSME credit line of USD 100 million signed in May 2015. QNBAA identified MSME lending as an important pillar of its growth strategy and made significant steps in the past years to better structure its MSME business line and would like to improve the efficiency of its MSME lending operations by increasing their internal capacities for implementing updated, internationally recognised best practices and procedures.

QNBAA now intends to engage a consulting firm(the “Consultant”) to assist them to expand their capacities in MSME lending to effectively and efficiently provide (multi-purpose) MSME loans to enterprises across the country on a sustainable basis (the “Assignment”).

To achieve this, the Consultant will focus on the following key objectives:

For further details of the Assignment, please find the detailed Terms of Reference here.

Status of Selection Process: Interested firms or groups of firms are hereby invited to submit expressions of interest.

Assignment Duration: The Assignment is expected to start in Q1 2018 and has an estimated overall duration of 12 months.

Maximum Cost Estimate for the Assignment: EUR 280,000 (exclusive of VAT).

The Consultant must determine whether any indirect taxes/VAT are chargeable on the proposed services and state the basis for such. If any indirect taxes/VAT are payable, the Client will have to pay indirect taxes/VAT element to the services directly to the Consultant unless otherwise agreed.

Funding Source: It is anticipated that the contract will be co-financed by the SEMED Multi-Donor Account and the SEMED cooperation funds account. The SEMED Multi-Donor Account is funded by Australia, Finland, France, Germany, Italy, Netherlands, Norway, Sweden, Taipei China and United Kingdom. The SEMED cooperation funds account is funded from the EBRD net income. Selection and contracting is subject to the availability of funding.

Eligibility: There are no eligibility restrictions.

Consultant Profile: Corporate services are required. The Consultant will be a consulting firm or a group of firms with preferably previous project experience related to:

It is expected that the Consultant"s team will include the following key expert(s):

Key Expert 1: MSME Lending and Risk Management Expert (Project Manager/Team Leader)

Key Expert 2: Credit Scoring Expert

Key Expert 3: Marketing and Product Development Expert

Key Expert 4: MSME Advisor – Training Expert

Key Expert 5: APS/IT Expert

Submission Requirements: In order to determine the capability and experience of Consultants seeking to be selected, the information submitted should include the following:

The expression of interest shall not exceed 25 pages (excluding CVs, Consultant Declaration and Contact Sheet and Financial Proposal).

The expression of interest (including Section 1 – 4 and 6 of the Submission Requirements above) WITHOUT THE FINANCIAL PROPOSAL should be submitted, in English and Arabic by e-mail, as one file (pdf), clearly labelled “Expression of Interest for QNB Alahli: Internal Capacity Building for MSME Lending”, to reach the Client’s contact person not later than the closing date and time. One additional copy shall reach the Bank’s contact person by the same due date. The Client reserves the right to reject applications of firms submitting more than one file. Only if any limitation on the permissible file size is exceeded, the Consultant may split the expression of interest into further files.

In a separate email, the Financial Proposals should be submitted, in English via clearly named email (pdf) to the Bank’s contact person only, to reach the Bank not later than the closing date and time.

Please note that a breach of this submission procedure may lead to exclusion of the selection process.

Important Notes:

The lowest evaluated Financial Proposal (Fm) is given the maximum financial score (Sf) of 20.

The formula for determining the financial scores (Sf) of all other Proposals is calculated as following:

Sf = 20 x Fm/F, in which “Sf” is the financial score, “Fm” is the lowest price, and “F” the price of the proposal under consideration.