KFH-Egypt, NBK-Egypt, and Emirates NBD Top the Ranking of Banks with the Highest Loan-to-Deposit Ratios by June 2025

KFH-Egypt topped the list of banks with the highest loan-to-deposit ratio, recording 74.88%. NBK-Egypt secured second place with a ratio of 68.96%.

Emirates NBD ranked third with a ratio of 65.63%, followed by Attijariwafa and BDC in fourth and fifth places, with ratios of 59.96% and 58.27%, respectively.

EBank, QNB-Egypt, and FABMISR were also among the top 10 banks, with loan-to-deposit ratios of 57.96%, 57.79%, and 57.75%, respectively.

First Bank’s ranking of the best-performing banks in terms of loan-to-deposit ratios by June 2025 revealed that Kuwait Finance House – Egypt «KFH-Egypt» topped the list with a ratio of 74.88%. The bank’s loan portfolio reached EGP 93.44 billion, against a deposit portfolio of EGP 124.79 billion by the end of June 2025.

The ranking covered the loan-to-deposit ratios of 25 banks operating in the Egyptian banking sector, showing that 24 banks achieved ratios ranging between 27.32% and 74.88% by the end of June 2025. Faisal Islamic Bank was the only exception, recording the lowest ratio over the same period.

National Bank of Kuwait «NBK-Egypt» came in second place with a ratio of 68.96%, after its loans to customers rose to EGP 114.59 billion, compared to a deposit portfolio of EGP 166.17 billion by the end of June 2025.

Emirates NBD – Egypt secured third place with a ratio of 65.63%, as its customer loans portfolio stood at EGP 96.88 billion, against deposits of EGP 147.61 billion by June 2025.

Attijariwafa Bank – Egypt ranked fourth with a loan-to-deposit ratio of 59.96%, recording customer loans of EGP 61.40 billion, against deposits of EGP 102.40 billion.

Banque du Caire «BDC» took fifth place with a ratio of 58.27%, with loans to customers reaching EGP 221.70 billion, compared to deposits of EGP 380.45 billion.

In sixth place, the Export Development Bank of Egypt «EBank» achieved a ratio of 57.96%, as its loans portfolio rose to EGP 79.81 billion, compared to deposits of EGP 137.69 billion.

Qatar National Bank – Egypt «QNB-Egypt» ranked seventh with a ratio of 57.79%, with customer loans standing at EGP 405.54 billion and deposits at EGP 701.71 billion.

First Abu Dhabi Bank – Egypt «FABMISR» came eighth, recording a loan-to-deposit ratio of 57.75%, with loans of EGP 166.61 billion and deposits of EGP 288.48 billion.

Credit Agricole – Egypt ranked ninth with a ratio of 56.96%, with customer loans of EGP 59.17 billion, against deposits of EGP 103.89 billion.

Finally, Al Baraka Bank secured tenth place with a ratio of 56.48%, as its loans portfolio reached EGP 65.08 billion, compared to deposits of EGP 114.78 billion by June 2025.

It is worth noting that all figures and ratios mentioned in this analysis are based on the independently published financial statements of each bank as of June 2025.