

Zulficar & Partners Law Firm
Client SatisfactionZulficar & Partners Law Firm is well-equipped to handle banking and non-banking finance transactions, including complex syndications, club and multilateral loan agreements, credit facility agreements, project finance and green finance initiatives. The team is also renowned for its track record in debt instruments transactions, which spans green bonds, financial sukuk and securitisation. The team is co-led by founding partner Mona Zulficar, a leading authority on restructurings and project finance, and Ashraf Ihab, who brings extensive experience in complex financing transactions spanning syndications and credit facilities. Other key contracts include Dania El Samad, who focuses on banking and project finance with a frequent cross-border focus, and Tamima Yahia, who joined the team in July 2024 and enhances the team’s regulatory services.
Key clients
- Al Ahli Bank of Kuwait - Egypt
- Al Ahli Bank of Kuwait K.S.C.P
- Al Ahly Pharos
- Arab African International Bank
- Arab Banking Corporation
- African Export-Import Bank
- Bank of America
- Banque Misr
- Bank of Alexandria
- Bank of Palestine
- Audi Bank
- Beltone| Financial
- Cairo Investment for Real Estate Development
- Capital Med
- Central Bank of Egypt
- Citib|ank
- Commercial International Bank
- Credit Agricole Egypt
- EFG Hermes
- Egyptian Electricity Holding Company (EEHC)
- Egyptian Electricity Transmission Company (EETC)
- Egyptian Gulf Bank S.A.E
- Egyptian Mud Engineering & Chemicals Co.
- Egyptian |Methanex| Methanol Company, SAE
- FAB
- Fawry
- Ghabbour Auto
- GB Capital
- HSBC
- International Finance Corporation
- MUFG Securities EMEA plc.
- National Bank of Egypt
- National Bank of Kuwait
- National Automotive Company
- Powertek| (Formerly |Tanjong|)
- Qalaa Holding
- SCATEC| Egypt
- Shelf Drilling
- Sky Finance
- Societe Generale Bank
- Standard Bank of South Africa
- Suez Canal Bank
- The Bank of New York Mellon
- The Bank of Tokyo-Mitsubishi
- The European Bank for Reconstruction & Development
- The United Bank
Work highlights
- Advised Arab African International Bank on the issuance of a sustainable development bonds program amounting to $500m.
- Advised Qalaa Holdings (QH) on a complex settlement and restructuring of debts owed to local and international banks and financial institutions under a syndicated loan agreement, through a variety of mechanisms.
- Advised the International Lenders of the National Bank of Egypt on a Term Loan Facility Agreement of up to $1bn for a tenor of one year with two annual extension options.
Lawyers

Practice head
The lawyer(s) leading their teams.
Mona Zulficar, Ashraf Ihab