HD Bank, CIB and Faisal Islamic Bank top best listed Banks in the capital adequacy ratio by March 2025-End

First Bank’s list of the best banks included in the capital adequacy ratio at the end of March 2025 revealed that the Housing and Development Bank topped the list, after its capital adequacy standard recorded 30.77%.

The list, which included all 12 banks listed on the Egyptian Stock Exchange, showed that 6 of the banks under analysis were able to achieve a capital adequacy ratio exceeding the prevailing average in the banking sector of 18.5% by the end of 2024, according to the latest statistical bulletin of the Central Bank of Egypt.

All listed banks succeeded in exceeding the immediate limit set by the Central Bank for the capital adequacy ratio of 12.5%, after local banks continued to strengthen their capital adequacy ratios, as part of their constant endeavor to implement international best practices and the requirements of the Basel Committee

The capital adequacy ratio expresses the ratio of the bank's capital components to its assets weighted by incidental risk weights, and clarifies the relationship between the source of capital and the risks surrounding the bank's assets and any other operations.

It is a tool for measuring the bank's solvency, that is, its ability to meet its obligations and face any losses that may occur in the future, with the aim of protecting the bank, depositors and other lenders. 

Returning to the list, Commercial International Bank-Egypt «CIB» took second place with a capital adequacy ratio of 26.80% by the end of March 2025.

Faisal Islamic Bank came in third place with a capital adequacy ratio of 24.43% at the end of March 2025.

Qatar National Bank«QNB» Egypt ranked fourth, after its capital adequacy ratio recorded 22.94% at the end of March 2025.

As for fifth place, it went to The United Bank with a capital adequacy ratio of 22.74% at the end of March 2025.

It is worth noting that all the data mentioned in the above analysis are according to the separated financial statements announced for each bank at the end of March 2025