In ABA’s early stages of development, it has managed to create a very sustainable model for the provision of credit to SMEs, a model that encompasses high levels of productivity, a strong borrower growth rate, appropriate interest rates enough to enable cost recovery, responsible loan practices, and support for SMEs. During the next phase of ABA’s growth, it continues to expand its operations in neighboring governorates. Further more, the ABA Board has begun to plan to incorporate a regulated Financial Institution (A Micro Finance Bank) to carry out the activities of the SME Project and to mobilize savings and raise deposits to satisfy client needs and to fund its portfolio. This added capability will be beneficial both to the micro business owners, who will save capital that they can reinvest in their businesses, and to the ABA by providing it with additional source of funds that it can then lend to clients ABA is currently undertaking a study to examine the financial feasibility of such a transition and to detail the legislative hurdles that might arise.

One of the challenges of transformation is determining what ABA, as NGO will do after the bank is created and most of the staff and assets are transferred to the new institution.
Until a final decision is reached, ABA continues its expansion in Alexandria , Kafr El-Sheikh, Behira, Menoufia and Matroh Governorates by increasing its outreach through opening new branch offices, hiring and training more field officers, and considering the approach of new markets and developing new products.