HD Bank, ADIB-Egypt and CIB top the most efficient banks in ROE during H1-2025

First Bank list of the most efficient banks in achieving a return on shareholders’ equity «rate of return on average equity» during the first Half of 2025 revealed that Housing and Development Bank topped the list, with a rate of return on average equity of 66.75%, 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, revealed that they all achieved positive rates of return on average equity, due to the banks’ success in achieving net profits at varying levels and that none of these banks achieved losses during the first Half of 2025.

The rate of return on average equity shows the ability of banks to invest owners’ equity in achieving appropriate levels of profits during the period under analysis, and the higher the return, the more this indicates the efficiency of banks in investing their shares to achieve appropriate levels of profit.

Returning to the list, Abu Dhabi Islamic Bank – Egypt «ADIB-Egypt» snatched second place, with a rate of return on average equity of 48.56%, after achieving net profits of EGP 6.04 bn during the first Half of 2025.

Commercial International Bank « CIB» ranked third, with an average return on equity rate of 40.77%, after achieving net profits of EGP 33.41 bn during the first Half of 2025.

Suez Canal Bank won fourth place, with a rate of return on average equity of 40.50%, after achieving net profits of EGP 3.08 bn during the first Half of 2025.

Credit Agricole Bank-Egypt came fifth, with an average return on equity rate of 34.11%, due to its ability to achieve net profits of EGP 3.53 bn during the first Half of 2025.

It is worth noting that all values and growth rates mentioned in the above analysis are in accordance with the independent financial statements announced for each bank at the end of June 2025.