HD Bank tops best listed banks in capital adequacy ratio by March 2025-End

Housing and Development Bank succeeded in topping First Bank list of the best banks in the capital adequacy standard at the end of March 2025, after its capital adequacy standard recorded 30.77%, which reflects the extent of its strong ability to meet its obligations and face any losses that may occur in the future.

HD Bnak has strong financial soundness indicators, as it recorded its financial leverage ratio, which reflects the relationship between the first tranche of capital used in the capital adequacy standard (after exclusions), and the bank’s assets (on and off-balance sheet) unweighted with risk weights of 7.61% at the end of March.2025, exceeding the regulatory limit set by the Central Bank of Egypt in accordance with Basel decisions of 3%.

It is worth noting that the results of the HDB’s independent operations for the first quarter of this year revealed an increase in its net profits by about 99%, with an increase of 2.40 billion pounds, to record 4.82 billion pounds during the first quarter of 2025, compared to 2.43 billion pounds during the same period in 2024.

Net interest income increased by about 86.4%, reaching 6.93 billion pounds during the first quarter of 2025, compared to 3.72 billion pounds during the same period in 2024.

Net fees and commissions income jumped to 295.56 million pounds during the first quarter of 2025, compared to 212.14 million pounds during the corresponding period in 2024, representing a growth of about 39.3% on a quarterly basis.

The bank's profits per share rose to 8.14 pounds per share during the first quarter of 2025, compared to 3.97 pounds during the same period in 2024, with a growth rate of 105%.

As for the bank’s financial position, its portfolio of assets jumped to 176.81 billion pounds at the end of March 2025, compared to 179.46 billion pounds at the end of 2024.

The bank's total loans to customers increased by about 4.9%, to record 58.7 billion pounds at the end of March 2025, compared to 55.97 billion pounds at the end of 2024.

Its deposit portfolio stood at 135.12 billion pounds by the end of March 2025, compared to 144.96 billion pounds by the end of 2024.

To see the full list.. Click here.