EBank's retail banking sector performs well during Q1-2025

Retail banking sector at the Egyptian Export Development Bank «EBank» witnessed a good performance during the first quarter of 2025, and this comes after its retail loan portfolio increased at a growth rate of 3.4%, reaching EGP 11.26 billion by the end of March 2025, compared to 10.90 billion by the end of 2024, achieving an increase of EGP 366 million.

This is due to an increase in the personal loan portfolio with a growth rate of 3.87% and an increase of EGP 350 million during the first quarter of this year, to record EGP 9.40 billion by the end of March 2025, compared to 9.05 billion by the end of 2024, and to account for 83.4% of the total individual loan portfolio by the end of last March.

The volume of mortgage loans increased by 4.90% and an increase of EGP 56.62 million during the first quarter of this year, reaching EGP 1.21 billion by the end of March 2025, compared to 1.16 billion by the end of 2024, obtaining 10.77% of the bank’s total individual loan portfolio by the end of March 2025.

The bank’s credit card portfolio also increased to EGP 293 million at the end of March 2025, compared to 279 million at the end of 2024, achieving a growth rate of 4.90% during the first quarter of this year, while the balances of current accounts receivable amounted to about EGP 359 million at the end of last March.

It is worth noting that retail loan portfolio constituted 14.9% of the bank’s total customer loans at the end of March 2025, which increased at a growth rate of 1.3% and with an increase of more than one billion pounds during the first quarter of this year, to record EGP 75.74 billion at the end of March 2025, compared to 74.74 billion at the end of 2024.

Retail deposits increased by 6.5% during the first quarter of 2025 and recorded EGP19.60 billion

In terms of the size of retail deposit portfolio at «EBank», it witnessed a growth rate of 6.50% during the first quarter of this year, achieving an increase of EGP 1.20 billion, reaching EGP 19.60 billion by the end of March 2025, compared to EGP 18.40 billion by the end of 2024.

The individual deposits portfolio accounted for 15% of the bank’s total customer deposits, which amounted to about EGP 130.90 billion at the end of March 2025.