Al Kamel Law Firm‘s banking and finance group regularly acts as local counsel for international financial institutions, including advising the International Finance Corporation on loan transactions and facilities in Egypt. Founding and managing partner Mohamed Kamel, who has a proven track record in project finance work, leads the practice alongside Rasheed Kamel, an expert in securitisation and capital markets law. Shahira Khaled is also a significant presence in the team and has a solid reputation for her expertise in acquisition finance.
Banking and finance in Egypt
Al Kamel Law Firm
Praxisleiter:
Mohamed Kamel; Rasheed Kamel
Weitere Kernanwälte:
Shahira Khaled
Kernmandanten
Export-Import Bank of the United States
DEG – Deutsche Investitions- und Entwicklungsgesellschaft
Oesterreichische Entwicklungsbank
Nordea Bank
Palm Hills Developments
Al Tamimi & Company
Al Tamimi & Company has a long-established and enviable banking and finance offering in Egypt and across the MENA region. The practice is able ‘to deal with all problems effectively’, acting for clients such as major local and international banks, finance providers, and corporate and sovereign entities. Jody Waugh is the firm’s regional head of banking and finance, while associate Nour Gheith has experience of complex banking and project finance transactions across a diverse range of sectors.
Praxisleiter:
Jody Waugh
Weitere Kernanwälte:
Nour Gheith
Referenzen
‘They always know what the client needs and always offer professional legal advice to deal with all problems effectively.’
‘All the lawyers are nice and professional and have great enthusiasm regarding the legal services.’
Kernmandanten
First Abu Dhabi Bank Fab
HSBC Bank Middle East Limited
Standard Chartered Bank UAE
The European Bank of Reconstruction and Development (EBRD)
National Bank of Egypt
National Bank of Kuwait (Egypt)
Arab African International Bank
Intro Investments Holding Ltd
Abu Auf Holding Netherlands B.V. (Netherlands)
Mashreq Bank PSC
Abu Dhabi Commercial Bank
Arab African International Bank S.A.E
Al Tayseer International
Tabby
Helmy, Hamza & Partners (member firm of Baker & McKenzie International)
Helmy, Hamza & Partners (member firm of Baker & McKenzie International) offers a ‘diligent and alert’ banking and finance practice in Egypt, which is ‘highly knowledgeable’ across the gamut of acquisition, project and real estate finance, as well as bank lending, derivatives and regulatory matters. The Cairo-based team caters to a particularly broad span of clients, with a focus on major players in the financial services, renewable energy, transport and petrochemical sectors. Managing partner and practice co-head Mohamed Ghannam has vast experience of advising international and Egyptian governmental bodies. Co-head Lamyaa Gadelhak brings extensive expertise in project finance in the energy, mining and infrastructure sectors, while Mohamed Elharmy is a trusted advisor to numerous commercial lenders, ECAs, sponsors and borrowers.
Praxisleiter:
Mohamed Ghannam; Lamyaa Gadelhak
Weitere Kernanwälte:
Mohamed Elharmy
Referenzen
‘They are reliable and business-minded.’
‘Lamyaa Gadelhak is innovative and very responsive.’
‘The team is diligent and alert, ready to take action with great knowledge, so it feels like any client can rely on the team with trust. They are disciplined and organised, bringing a high level of analysis of any subject and detailed recommendations wherever necessary.’
Kernmandanten
ACWA Power
African Development Bank
African Export-Import Bank (Afrexim Bank)
Ahli United Bank (Uk) Plc
Alsubh Solar Power S.A.E
AMEA Power LLC
Arab African International Bank (AAIB)
Arab Banking Corporation
Arab International Bank
Attijariwafa Bank
Bank Of America Merrill Lynch
Banque Du Caire
Banque Misr
Baraka For Trade & Investment
BayWa R.E. Solar Projects Gmbh
Bechtel Egypt S.A.E.
Bechtel Limited
BLOM Bank SAL
Branch Of NJSC Naftogaz Of Ukraine
British American Tobacco Co., Egypt
Egypt Hydrocarbon Corporation S.A.E
Egypt Kuwait Holding Co., S.A.E
Egyptian Electricity Transmission Company (EETC)
HSBC Bank
Hutchison Ports Europe Ltd
International Finance Corporation (IFC)
Marakez Delta For Real Estate Projects
Mashreq Bank
MUFG Bank
National Bank Of Egypt
National Egyptian Railway Industries Company (NERIC)
National Service Projects Organization (NSPO)
New Renewable Energy Authority (NREA)
Orascom Development Egypt (ODE)
Rand Merchant Bank
Rawasy For Urban Development S.A.E
Rising Sun Energy S.A.E
Russian Industries Overseas Egypt Rio Llc
Sunrise Energy
The Egyptian Ministry Of Finance
The Sovereign Fund Of Egypt
Highlight-Mandate
- Acted as the Egyptian legal counsel to AMEA Power on the development and financing of a 500MW wind farm located in Ras Ghareb, near the Gulf of Suez, with a total investment cost of USD 709 million.
- Acted for Banque Misr and Arab African International Bank (AAIB) as lenders’ counsel on a real estate facility granted to Al Alamia For Real Estate Investment, a fully owned subsidiary of Hassan Allam Group company.
- Acted as English law and Egyptian law counsel to the National Bank of Egypt as a facility agent and leader of a syndicate of 24 banks, in relation to the financing and structuring of a security package for Evergrow, a leading local and regional company in the specialty fertilisers field.
Matouk Bassiouny & Hennawy
Considered by some as ‘the best law firm in Egypt’, Matouk Bassiouny & Hennawy is ‘highly knowledgeable and engaged’ with regard to all bank, non-banking financial institution and capital markets matters. The practice continues to maintain its traditional focus on large-scale financings, as well as expanding into new niche areas such as advising local banks on security perfection and sanctions-related restructuring. Regional managing partner and head of finance and projects Mahmoud Bassiouny is a trusted advisor to international commercial banks and export credit agencies. Ashraf Hendi is a key contact for project and equity finance transactions, and counsel Nadia Abdallah is well versed in significant transactions in the energy, logistics and infrastructure sectors.
Praxisleiter:
Mahmoud Bassiouny; Ashraf Hendi
Weitere Kernanwälte:
Nadia Abdallah
Referenzen
‘Best law firm in Egypt. Highly knowledgeable and engaged. They act as partners to our firm and not just service providers. We use them for all our legal matters with respects to banks, NBFIs and capital markets activities (e.g. securitisations).’
‘Competent, with extensive experience. Able to come up with good solutions. Standouts include Mahmoud Bassiouny.’
‘Excellent team. They are our go-to firm for all banking and finance queries and matters in Egypt. They are very responsive and solution-oriented.’
Kernmandanten
Red Sea Wind Energy S.A.E.
National Bank of Egypt
Banque Misr
Banque du Caire SAE
Eurogate
Arab African International Bank
Maridive
SACE SpA
HSBC Bank Middle East Limited
Happag Lloyd
Highlight-Mandate
- Represented Red Sea Wind Energy S.A.E., a consortium comprising ENGIE, Toyota Tsusho, and Orascom Construction, in connection with the development, design, construction, financing, operations and maintenance of a 500MW wind power plant project located on the Gulf of Suez.
- Represented Maridive in connection with the restructuring of USD 219,370,176 Islamic and conventional facilities availed respectively by a syndicate of banks (Abu Dhabi Islamic Bank, Arab African International Bank, Arab International Bank (Cairo), Mashreq Bank, Industrial Development Bank and Sharjah Islamic Bank) and the EBRD.
- Represented the lenders in connection with a EGP 6,373,000,000 long-term financing extended to First Design for Urban Investment and Development S.A.E. (the borrower) under an asset purchase and development transaction, involving the Arab Company for Projects and Urban Development S.A.E. in its capacity as seller and asset manager.
MHR & Partners in association with White & Case LLP
MHR & Partners in association with White & Case LLP‘s banking and finance practice is ‘one of the leaders in the market’ and regularly assists Egyptian companies with their overseas investments, as well as working with local and global corporates, financial institutions and government entities on complex financial transactions and disputes. Sherief Rashed is a standout figure within the practice and brings immense project and Islamic financing experience to the table, as is Ziad Gadalla, whose ‘deep knowledge and acquaintance with the market makes him a go-to person for banking and finance transactions’. Tarek Mohanna is also a key contact, especially for energy, infrastructure and project finance.
Praxisleiter:
Sherief Rashed; Ziad Gadalla
Weitere Kernanwälte:
Tarek Mohanna
Referenzen
‘The firm’s banking and finance practice is one of the leaders in the market due to the strong track record of its team. Committing to high-quality service while accommodating the client’s business needs is one of the team’s strongest traits.’
‘Ziad Gadalla has shown an uncontested level of dedication and engagement which really differentiates him from other practitioners. Ziad’s deep knowledge and acquaintance with the market makes him a to-go-person for the banking and finance transactions.’
Kernmandanten
National Authority for Tunnels (NAT)
TCI Sanmar
ZMI Group
ADES Group
Carbon Holdings
Abu Dhabi Islamic Bank
CI Capital
NI Capital
EFG Hermes
Tahrir Petrochemicals Company
Egypt Hydrocarbon Corporation (EHC)
Sixth of October for Real Estate and Development (Sodic)
Egyptian Ethylene and Derivatives Company (Ethydco)
HSBC
Commercial International Bank
Banque Misr
European Bank for Reconstruction and Development (EBRD)
African Export Import Bank (Afreximbank)
Arab Petroleum Investments Cooperation
Arab African International Bank
Highlight-Mandate
- Represented ADES Group in connection with the US$1.6 billion hybrid (conventional and Islamic) financing granted to ADES Arabia Holding JSC (a newly incorporated entity and one of the few holding companies incorporated in Saudi Arabia) and ADES Saudi Limited Company for the refinancing of existing debt and financing recent major acquisitions.
- Advised ZMI Group, a major oil and gas services vessel operator/charterer, in connection with an up to US$500 million multi-tiered senior secured financing.
- Advising on all aspects of the proposed petrochemical complex in Egypt.
Shalakany Law Office
‘One of the truly leading Egyptian firms’, the banking and finance group at Shalakany Law Office continues to be involved in high-value project finance transactions, especially in relation to wind energy projects. Mariam Fahmy leads the practice and regularly acts for both procurers and bidders on PPP projects, while senior associate Youssef Helmy has a solid track record of acting for commercial banks in the project financing space, especially on renewable energy projects. Aly El Shalakany is also a name to note.
Praxisleiter:
Mariam Fahmy
Weitere Kernanwälte:
Aly El Shalakany; Youssef Helmy
Referenzen
‘The team were responsive and helpful. They made the division of labour clear which was helpful and kept us up to date.’
‘One of the truly leading Egyptian firms. Helpful, responsive, professional and capable. What more could one want?’
‘The team are knowledgeable and responsive.’
Kernmandanten
Africa Finance Corporation (AFC)
The European Bank for Reconstruction and Development (EBRD)
Macquarie
Emirates NBD P.J.S.C
Enerflex
Zaki Hashem, Attorneys at Law
The banking and finance team at Zaki Hashem, Attorneys at Law is supported by its specialists in the corporate, capital markets and litigation departments to provide a full-service offering, covering a wide range of complex matters which spans acquisition and leveraged finance, securities lending and regulatory compliance. Of counsel Ragia Omran heads the practice and brings a proven track record of handling complex transactions including syndicated loan agreements. Responsible for advising non-banking financial entities, Helal El Hossary is a key contact for capital markets matters, as is Soha El Ezaby.
Praxisleiter:
Ragia Omran; Helal El Hossary
Weitere Kernanwälte:
Soha El Ezaby
Kernmandanten
Abu Dhabi Islamic Bank – Egypt (ADIB)
Accelero Capital and Planet Investment
Actis LLP
AIG Egypt Insurance Company
Alexandria Container and Cargo Handling Company SAE
Al-Ezz Steel
Alubaf Arab International Bank B.S.C.
Amer Group of Companies
Arab Bank
Arab Company for Asset Management and Development
Arafa Group of Companies
Attijariwafa Bank Egypt
Banca IMI S.p.A. UK
Beltone Capital
BPE Holding
Citigroup Global Markets Limited
Commercial International Bank Egypt (CIB Egypt)
Commercial International Investment Company (CIIC)
Consulya for Renting Administrative Units SAE
Corplease
Deutsche Bank
Dunia Finance L.L.C.
Eagle Chemicals
eFinance SAE
EFG Hermes
Egypt Factors SAE
Egypt Foods SAE
Egyptian Gulf Bank SAE
Engineering for the Petroleum & Process Industries (Enppi)
European University in Egypt (EUE)
Fawry for Banking Technology and Electronic Payments SAE
First Abu Dhabi Bank PJSC UAE
Ghabbour Group of Companies
Global Ventures
Gold Net
Hang Seng Bank Limited (HASE)
Hikma Pharma Egypt SAE
Holding Company for Investment & Development
Housing and Development Bank
HSBC Bank plc
International Finance Corporation (IFC)
J.P. Morgan Securities Plc UK
Juhayna
Madinet Nasr for Housing and Development (MNHD)
Mashreq Bank
Middle East Turnaround Investment (Haykala)
Misr Cement Company (QENA)
MM Holding for Paper and Packaging
Modern Nile Cotton
Morgan Stanley & Co. International plc UK
National Bank of Abu Dhabi PJSC
National Bank of Egypt
National Investment Bank
Natixis France
NI Capital Holding Company for Financial Investments
Novo Nordisk Egypt Pharmaceutical
Pachin
Palm Hills for Development
Project Agora
PV Hardware Solutions S.L.U
Qatar Islamic Bank (QIB)
Qatar National Bank (QNB)
Raya Holding for Financial Investment
Sanofi Egypt
Shahry for Consumer Finance SAE
Société de Promotion et de Participation pour la Coopération Economique (PROPARCO)
Speed Medical SAE
SP Legal Consultants
Standard Chartered Bank UAE
Talaat Mostafa Group of Companies
TBE Egypt for Solution and Payment Services SAE
The Industrial Fund for Developing Countries (IFU)
Vitas Egypt for Microfinance
Vodafone Egypt Telecommunications
Wadi Group
Zolo
Highlight-Mandate
- Advising the Cotton, Spinning, Weaving & Garment Holding on the Euro 540 million Facility Agreements from SACE S.p.A. and the Swiss Export Risk Insurance.
- Advising Aman Financial Services SAE and Aman Consumer Finance SAE on the EGP 859 million securitisation bond issuance.
- Acting as the sole legal counsel to German Automotive on the USD 40 million capital increase of Global Auto SAE.
Zulficar & Partners Law Firm
Zulficar & Partners Law Firm handles a steady stream of high-value banking, project and Islamic finance transactions, as well as advising lenders and borrowers on sophisticated syndicated loans, club deals and debt restructuring agreements. The team is led by the founding partner pair of Mona Zulficar, who is a project finance specialist, and Ashraf Ihab, who has a robust track record in a diverse range of complex transactions spanning credit facilities and debt restructuring agreements. Dania El Samad is also developing a strong project finance practice, regularly acting for a number of top lenders, borrowers, and governmental and corporate entities.
Praxisleiter:
Ashraf Ihab; Mona Zulficar
Weitere Kernanwälte:
Dania El Samad
Kernmandanten
Al Ahli Bank of Kuwait – Egypt
Al Ahli Bank of Kuwait K.S.C.P
Arab African International Bank
Arab Banking Corporation
African Export-Import Bank
Audi Bank
Banque Misr
Beltone Financial
Cairo Investment for Real Estate Development
Capital Med
Central Bank of Egypt
Citi Bank
Citadel Capital
Commercial International Bank
Credit Agricole Egypt
EFG Hermes
Egyptian Mud Engineering & Chemicals Co.
Egyptian Methanex Methanol Company, SAE
Fawry
Ghabbour Auto
GB Capital
MUFG Securities EMEA plc.
National Bank of Egypt
National Bank of Kuwait
National Automotive Company
Powertek (Formerly Tanjong)
SCATEC| Egypt
Sky Finance
Societe Generale Bank
Suez Canal Bank
The European Bank for Reconstruction & Development
The United Bank
The Bank of New York Mellon
The Bank of Tokyo-Mitsubishi
Highlight-Mandate
- Advised National Bank of Egypt, SAE on the syndicated long-term facility agreement amounting to EGP 2,000,000,000 to Bawabet Al Sharq New Cairo for Real Estate Investment Company S.A.E to partially finance the development cost of zones 2D and 3D of the City Gate project located in Cairo.
- Advised Abu Dhabi Commercial Bank PJSC ISDA on the financing transaction referencing T-Bills under the ISDA Master Agreement and Schedule, the 1995 Credit Support Annex and the confirmation thereto between ADCB and Central Bank of Egypt.
- Advised Cairo Investment for Real Estate S.A.E (CIRA) on the issuance of the first securitisation bonds against future financial rights in Egypt amounting to EGP 2,000,000,000.
ADSERO-Ragy Soliman & Partners
ADSERO-Ragy Soliman & Partners provides comprehensive advice across a wide array of transactions, including conventional, Islamic, acquisition, leveraged and project finance. Practice head Hossam Gramon is a recognised leader in private bond and sukuk issuances, as well as having strong skills in banking litigation and enforcement. He is supported by senior associate Karima Seyam, who regularly acts for local and international banks, companies and investment banks.
Praxisleiter:
Hossam Gramon
Weitere Kernanwälte:
Karima Seyam
Referenzen
‘The team is very efficient and responsive. The firm’s internal cooperation is also smooth. We have worked with several partners in different areas in the firm and they have always been great. They are quite adaptable to different modes of billing.’
‘We have worked with Hossam Gramon’s team for many years. Hossam and his team have always been very client-oriented and provided high-quality work. They always meet the deadline. I would recommend the team to others.’
‘Adsero provided great advice on a borrowing contract from a legal standpoint and was also aware of the ongoing commercial terms of similar deals in the market.’
Highlight-Mandate
- Advised the Egyptian government represented by the Ministry of Finance on the first ever sovereign sukuk issuance in the international markets in the amount of USD 1.5billion and the establishment of a USD 5billion programme.
- Advised the Egyptian government represented by the Ministry of Finance on the first ever samurai bond issuance in the Japanese markets in the amount of USD500 million.
- Advised EBRD on its first green financing in the Egyptian market to Abou Ghaly Motors for the commissioning of 245 electric vehicles for USD100 million.
Shahid Law Firm
Shahid Law Firm is well known in the Egyptian market for its skill in handling core banking matters, covering such areas as the issuance of bank guarantees, hedge funds, syndicated loans, acquisition finance, and insolvency. Girgis Abd El-Shahid heads the team and brings over two decades of experience acting for both borrowers and lenders on project and equity finance transactions. Senior associate Nadine Khalil is also building a solid reputation for her project finance expertise.
Praxisleiter:
Girgis Abd El-Shahid
Weitere Kernanwälte:
Nadine Khalil
Referenzen
‘The team has provided sound advice and we think that they have a good grasp not only of the legal aspects of the procedure but also of the operational and practical issues relevant in the relationship with the Egyptian authorities.’
‘Girgis Abd El-Shahid has a sound knowledge of the legal aspects of the deal and a pragmatic approach to the process.’
Kernmandanten
Air Leisure
Arab Banking Corporation (ABC Bank)
Áridos Játiva S.L.
Banco de Sabadell, S.A.
Banque Misr SAE
Broseta Abogados
Caixabank, S.A.
Cementos La Union SA
China Development Bank
EDF Renouvelables
EgyptAir
Egyptian Ministry of Finance
El Nasr Automotive Manufacturing Co. (NASCO)
Globeleq Africa
Hybrid Capital Inc.
International Air Transport Association (IATA)
JP Morgan Chase Bank
King & Wood Mallesons
National Bank of Greece (NBG)
OiLibya
Scatec Sollar
UK Export Finance
Highlight-Mandate
- Representing UK Export Finance and several creditors in aircraft and engine financing transactions in Egypt, as part of EgyptAir’s plan to renew its aircraft arsenal.
- Advised the China Development Bank with respect to the financing of the largest project in Egypt’s Suez Canal Economic Zone, a zone created specifically to encourage investment under a special law.
- Advising FMO (the Dutch development bank) on the first three-year Egyptian pound loan facility for the equivalent of USD 700,000, entered into with the First Microfinance Company Egypt (FMF-E), which will be used to extend loans to female and young entrepreneurs.
Sharkawy & Sarhan Law Firm
Providing ‘clear and decisive advice on Egyptian law issues’, Sharkawy & Sarhan Law Firm has solid experience acting for financiers, developers and governmental authorities on a diverse range of cross-border transactions, particularly big-ticket financings and bank-to-bank lending. Ahmed Haggag leads the practice and brings extensive experience of handling complex transactions for key DFIs, export credit agencies and commercial banks.
Praxisleiter:
Ahmed Haggag
Referenzen
‘Efficiency and responsiveness.’
‘Really strong in every way. Knowledgeable, user friendly, efficient and responsive. A delight.’
‘The partners are super responsive, and give clear and decisive advice on Egyptian law issues.’
Kernmandanten
The European Bank for Reconstruction and Development (EBRD)
British International Investment PLC (BII)
Mashreq Bank PSC
China Development Bank
International Finance Corporation (IFC)
National Bank of Egypt S.A.E
Banque Misr
Highlight-Mandate
- Advised the European Bank for Reconstruction & Development (EBRD) on a loan of up to USD 80,000,000 to Egypt Green Hydrogen S.A.E, guaranteed by, amongst others, one of the sovereign fund of Egypt’s sub funds to develop the country’s first green hydrogen facility in the Suez Canal Economic Zone and the first integrated green hydrogen plant in Africa.
- Advised the European Bank for Reconstruction and Development (EBRD) on a loan of up to USD 100 million to Banque Misr.
- Advised Mashreq Bank PSC on all Egyptian law aspects in relation to the financing granted to Telecom Egypt Company for the purpose of obtaining a licence for acquiring 5MHz spectrum in the 1800 MHz band.
ALC Alieldean Weshahi & Partners
The banking and finance team at ALC Alieldean Weshahi & Partners has carved out market recognition for its expertise in capital market transactions, with experience in sukuk issuances in relation to financial leases and real estate and trade receivables. The practice is jointly spearheaded by Bahaa Alieldean and Mahmoud Alaraby, both regularly navigating large organisations through complex banking and capital market transactions.
Praxisleiter:
Bahaa Alieldean; Mahmoud Alaraby
Kernmandanten
Contact Group
Amer Group
CI Capital (previously Misr Capital)
AUR Capital Group
Al-Tawfeek Securitization Company S.A.E
Palm Hills Developments
EFG Hermes Group
Highlight-Mandate
- Advised Contact Financial Holding on Egypt’s first musharaka sukuk issuance for Palm Hills Development’s financing of the Badya real estate project.
- Advised Contact Financial Holding on its 41st securitisation amounting to EGP 1.86 billion.
- Advised Contact Financial Holding on its second mudaraba sukuk issuance.
Ibrachy Legal Consultancy
Ibrachy Legal Consultancy‘s banking and finance team continues to act for leading Egyptian multinationals and foreign clients, including the likes of the European Bank for Reconstruction and Development, the Commercial International Bank Egypt, Bank Audi Egypt and the National Bank of Greece. ‘Excellent lawyer‘ Ashraf Elibrachy leads the practice and is supported by Mostafa Elshafei and Sara Elshaarawy.
Praxisleiter:
Ashraf Elibrachy
Weitere Kernanwälte:
Sara Elshaarawy; Mostafa Elshafei
Referenzen
‘Ashraf Elibrachy is an excellent lawyer.’
‘The team was diversified and had specific employees specialising in the different aspects of the banking project thus covering the full scope of the legal aspects of every task. Since the project was cross-border, the use of technologies was one of the main requirements and it was handled excellent by all parties.’
‘Ashraf Elibrachy and Mostafa Elshafei stand out because of their immediate replies to all issues with solid legal arguments and for investigating promptly and prioritising any query addressed to them. Also, they have scrutinised all the documents that were sent to them, providing their review of each item and their legal input.’
Kernmandanten
National Bank of Greece
Oriental Weavers
Vantage Drilling International
DEG
International Finance Corporation (IFC)
Credit Agricole Egypt
European Bank for Reconstruction and Development (EBRD)
Commercial International Bank Egypt (CIB)
Bank Audi Egypt
Rizkana & Partners
Rizkana & Partners’ banking and finance team consistently demonstrates ‘professionalism, ingenuity and innovation in tackling complex legal issues’, acting for a broad range of major Egyptian and multinational banks, international financial institutions and corporations. Practice co-head Hazim Rizkana is well versed in representing banks in high-value investment disputes, while co-head Sherif El Hosseny offers extensive experience in large syndicated facilities and loans, project finance and debt restructurings.
Praxisleiter:
Hazim Rizkana; Sherif El Hosseny
Referenzen
‘Members of the firm have demonstrated professionalism, ingenuity and innovation in tackling complex legal issues and documentation referred to them for advice.’
‘Hazim Rizkana and the members of his firm have shown excellence in handling finance and credit and security legal matters.’