Faisal Islamic Bank, United Bank, and CIB lead listed banks in leverage ratio by the end of June 2025
مركز تصنيف First Bank
Faisal Islamic Bank topped the list of the fastest-growing banks listed on the Egyptian Stock Exchange in terms of leverage ratio during the first half (H1) of 2025, with 13.60%.
United Bank secured second place with a 13.07%, followed by CIB in third place with 11.50%. QNB and saib completed the top five with ratio of 10.93% and 10.28%, respectively.
According to First Bank’s ranking of the fastest-growing listed banks by leverage ratio in H1 2025, Faisal Islamic Bank led the list after its leverage ratio reached 13.60% during the period.
Leverage reflects the relationship between the first tranche of capital used in the capital adequacy criterion (after exclusions) to cover the bank's assets (inside and outside the financial position), not weighted by weights.
The leverage ratio consists of the first tranche of capital after exclusions divided by all assets inside and outside the financial position, not weighted by risk weights. Banks must disclose the leverage ratio, numerator components, and denominator in their financial statements.
The ranking, which included all banks listed on the Egyptian Stock Exchange, showed that 10 of them were able to achieve a leverage ratio that exceeds the prevailing average in the banking sector, which is 7.6% by the end of March 2025, according to the latest statistical bulletin of the Central Bank of Egypt, while all banks succeeded in committing to a leverage ratio of no less than 3%, on a quarterly basis as a binding regulatory ratio starting in 2018.
The United Bank claimed second place with a ratio of 13.07% by June 2025-End.
CIB ranked third after its leverage ratio of 11.50% by the end of June 2025.
QNB came fourth with a leverage ratio 10.93 % by June 2025-End.
In fifth place, saib Bank recorded a 10.28% in leverage ratio.
All figures and growth rates cited in this analysis are based on the independently published financial statements of each bank as of June 2025.
Listed Banks on EGX's leverage ratio by June 2025-End
| # | Bank Name | Leverage Ratio |
|---|---|---|
| 1 |
Faisal Islamic Bank of Egypt |
13.6 % |
| 2 |
The United Bank |
13.07 % |
| 3 |
Commercial International Bank-CIB |
11.5 % |
| 4 |
Qatar National Bank-QNB  |
10.93 % |
| 5 |
SAIB BANK |
10.28 % |
| 6 |
Credit Agricole Egypt |
10.15 % |
| 7 |
Housing and Development Bank-HDB |
9.72 % |
| 8 |
Export Development Bank of Egypt-EBank |
9.47 % |
| 9 |
alBaraka Bank Egypt |
8.27 % |
| 10 |
Abu Dhabi Islamic Bank-ADIB Egypt |
8.16 % |
| 11 |
EGBANK |
7.02 % |
| 12 |
Suez Canal Bank |
6.56 % |
