The issuance marks the fourth transaction under Valu’s eighth securitization program worth EGP 10 billion

Valu, the leading universal financial technology powerhouse in the Middle East and North Africa (MENA), announced today the successful closing of its 23rd securitized bond issuance, valued at EGP 945.8 million, with EFG Hermes, an EFG Holding company and the leading investment bank in the Middle East and North Africa (MENA). The transaction marks the fourth issuance under Valu’s eighth securitization program, which has a total value of EGP 10 billion.

The bond is backed by a receivables portfolio assigned to EFG for Securitization, which acts as the special purpose vehicle (SPV) for the issuance.

The bond has a 13-month tenor and is structured into a single tranche rated AA-.

Karim Riad, CFO of Valu, commented: “We are thrilled to mark another major milestone in Valu’s growth journey with the successful closing of our 23rd securitization issuance. This achievement stands as a powerful testament to Valu’s robust financial position, solid balance sheet, and consistent operational excellence. The continued oversubscription and unwavering investor confidence in our debt issuances reinforce our ability to maintain sustainable growth while consolidating our position as Egypt’s leading fintech powerhouse.”

Maie Hamdy, Managing Director – Debt Capital Markets at EFG Hermes, added: “We are proud to continue our long-standing partnership with Valu through the structuring and execution of their 23rd securitization issuance. Reaching this 23rd transaction underscores the exceptional quality of Valu's underlying portfolio, its strong financial fundamentals, and the enduring institutional demand its issuances consistently command. This transaction reflects EFG Hermes’ commitment to delivering high-impact debt capital market solutions that enable market leaders to optimize their capital structure and support long-term strategic growth.”

EFG Hermes acted as the sole financial advisor, sole transaction manager, bookrunner, underwriter, and arranger on the issuance. Matouk Bassiouny & Hennawy acted as legal advisor, and Baker Tilly as auditor.

The latest transaction reflects Valu’s continued execution of its securitization strategy, leveraging structured financing solutions to support its growth ambitions and diversify its funding sources, while reinforcing its longstanding partnership with EFG Hermes in the debt capital markets.

-ENDS-

About Valu:

Valu (Legal name: U Consumer Finance S.A.E.) (EGX: VALU.CA) is the leading universal financial technology powerhouse offering customers and businesses convenient and comprehensive financial solutions. It is the first fintech company providing consumer finance to become a listed company on the Egyptian Exchange (EGX), and this, alongside
Amazon having a direct stake in the firm, represents Valu’s growth journey and dynamic business model.

Under its product universe, Valu pioneered Buy-Now, Pay-Later (BNPL) solutions in the MENA region through U, providing customizable financing plans for up to 60 months across more than 9,000 stores and online platforms – covering a diverse array of categories, including home appliances, electronics, home finishing, furniture, residential solar solutions, healthcare, education, travel, and fashion, among others. Valu also offers investment products, an instant cash redemption program, and a high-end financing program to facilitate the purchase of big-ticket items up to EGP 60 million in the luxury space, and on its marketplace, through Valu Invest with the AZ Valu fund and EFG Hermes ONE, Sha2labaz, Ulter, and Shop'IT, respectively.

In addition, Valu offers business-to-business solutions through Valu Business. Valu introduced its prepaid card and co-branded credit card in collaboration with Visa, further expanding its range of payment options to provide customers with the most versatile, convenient, and comprehensive payment solutions, making Valu the ultimate choice for all clients’ payment needs. As an award-winning fintech player in the MENA region, Valu embraces a progressive business approach with an agile team committed to architecting innovative financial solutions to meet customers' evolving needs.

Most recently, Valu launched its services in Jordan in May 2026 under a Specialized Finance license, following final approval from the Central Bank of Jordan (CBJ), offering consumers convenient financing solutions.
Learn more about us at www.valugroup.com

For further information, please contact:
The Valu Public Relations Team in Egypt
publicrelations@efgholding.com

About EFG Holding:
EFG Holding (EGX: HRHO.CA – LSE: EFGD) is a financial institution that boasts a legacy of more than 40 years of success in six countries spanning two continents. Operating within three distinct verticals — the Investment Bank (EFG Hermes), Non-Bank Financial Institutions (NBFI) (EFG Finance), and Commercial Bank (Bank NXT) - the company provides a comprehensive range of groundbreaking financial products and services tailored to meet the needs of a diverse clientele, including individual clients and businesses of all sizes.

EFG Hermes, the leading investment bank in the Middle East and North Africa (MENA), offers extensive financial services, encompassing advisory, asset management, securities brokerage, research, and private equity. In its domestic market, EFG Holding serves as a universal bank, with EFG Finance emerging as the fastest-growing NBFI platform, comprising Tanmeyah, a provider of innovative and integrated financial solutions for micro and small business owners and entrepreneurs, EFG Corp-Solutions, which provides leasing and factoring services, Valu, a universal financial technology powerhouse, Bedaya for mortgage finance, Kaf for insurance, and EFG Finance SMEs, which provides financial services for small and medium enterprises. Furthermore, the company delivers commercial banking solutions through Bank NXT, an integrated retail and corporate banking product provider in Egypt. 

Proudly present in: Egypt | United Arab Emirates | Saudi Arabia | Kuwait | Bahrain | Jordan

Learn more about us at www.efgholding.com

For further information, please contact:
May El Gammal
Group Chief Marketing & Communications Officer of EFG Holding
melgammal@efgholding.com

Omar Salama
Head of Communications of EFG Holding
osalama@efgholding.com

The EFG Holding Public Relations Team
PublicRelations@efgholding.com

Note on Forward-Looking Statements 
In this press release, EFG Holding may make forward-looking statements, including, for example, statements about management’s expectations, strategic objectives, growth opportunities, and business prospects. These forward-looking statements are not historical facts but instead represent only EFG Holding’s belief regarding future events, many of which, by their nature, are inherently uncertain and are beyond management’s control and include, among others, financial market volatility; actions and initiatives taken by current and potential competitors; general economic conditions and the effect of current, pending, and future legislation, regulations and regulatory actions. Accordingly, the readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date on which they are made.