HD Bank, Credi Agricole and CIB top listed banks in ROA during H1-2025

First Bank list of banks listed on the Egyptian Stock Exchange that are most efficient in investing their assets (rate of return on average assets) during the first half of 2025 revealed that HD Bank topped the list at a rate of 9.60%, thanks to achieving net profits of EGP 8.93 bn during the first half of 2025.      

The list, which included all 12 banks listed on the Egyptian Stock Exchange, showed that all of them achieved positive rates of return on average assets, due to their success in achieving net profits at varying levels and none of them achieving losses during the first half of 2025.

The return on average assets measures the efficiency of banks in investing their assets with the aim of achieving net profits during the period under analysis, and the higher the return, the more this indicates the bank’s efficiency in investing its assets to achieve appropriate profit levels.

Returning to the list, Credit Agricole Bank – Egypt snatched second place, with a rate of return on average assets of 5.41%, after achieving net profits of EGP 3.53 bn during the first half of 2025.

Commercial International Bank «CIB» won third place, after the rate of return on its average assets reached 5.29%, due to its ability to achieve net profits worth EGP 33.41 bn during the first half of 2025.

Abu Dhabi Islamic Bank – Egypt «ADIB» ranked fourth, with a rate of return on average assets of 4.35%, after achieving net profits of EGP 6.04 bn during the first half of 2025.

«QNB» - Egypt came in fifth place, with an average return on assets of 3.60%, after it was able to achieve net profits worth EGP 14.77 bn during the first half of 2025.

It is worth noting that all values used in calculating rates of return on average assets are in accordance with the independent financial statements announced for each bank at the end of June 2025, and were weighted on an annual basis.