HD Bank, Alex Bank, and FABMISR Lead Egyptian Banks in Capital Adequacy Ratio as of June 2025
HD Bank tops the list of banks with the highest Capital Adequacy Ratio (CAR) at 35.67%, while Alex Bank ranked second at 33.20%.
FABMISR came third with a CAR of 32.81%, followed by CIB and HSBC-Egypt in fourth and fifth places, recording 28.40% and 28.19%, respectively.
Faisal Islamic Bank, QNB-Egypt, and The United Bank were also among the top 10 banks in Capital Adequacy Ratio, with 25.65%, 24.34%, and 21.48%, respectively, by the end of June 2025.
First Bank’s ranking of the top-performing banks in Capital Adequacy Ratio (CAR) as of June 2025 revealed that Housing & Development Bank topped the list with a ratio of 35.67%.
The list, which included 24 banks operating in Egypt’s banking sector, showed that 14 banks recorded CAR levels above the sector’s average of 18.6% as of June 2025, according to the latest data from the Central Bank of Egypt (CBE).
All banks included in the analysis exceeded the CBE’s minimum capital adequacy requirement of 12.5%, as local banks continued to strengthen their capital bases in line with international best practices and Basel Committee standards.
All figures and ratios cited above are based on the independently published financial statements of each bank as of June 2025.
Capital Adequacy Ratio of Banks Operating in Egypt's Banking Sector by End-June 2025
| # | Bank Name | Capital Adequacy Ratio by End-June 2025 |
|---|---|---|
| 1 |
Housing and Development Bank-HDB |
35.67 % |
| 2 |
Bank of Alexandria-Alex Bank |
33.2 % |
| 3 |
First Abu Dhabi Bank Egypt-FAB |
32.81 % |
| 4 |
Commercial International Bank-CIB |
28.4 % |
| 5 |
HSBC |
28.19 % |
| 6 |
Faisal Islamic Bank of Egypt |
25.65 % |
| 7 |
Qatar National Bank-QNB  |
24.34 % |
| 8 |
The United Bank |
21.48 % |
| 9 |
NBK Egypt |
21.33 % |
| 10 |
Credit Agricole Egypt |
20.42 % |
| 11 |
EGBANK |
19.73 % |
| 12 |
arab african international bank |
19.34 % |
| 13 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
19.31 % |
| 14 |
Arab Banking Corporation- ABC |
19 % |
| 15 |
Attijariwafa Bank Egypt |
18.23 % |
| 16 |
Abu Dhabi Commercial Bank Egypt- ADCB |
17.97 % |
| 17 |
Abu Dhabi Islamic Bank-ADIB Egypt |
17.64 % |
| 18 |
Banque Du Caire-BDC |
17.41 % |
| 19 |
Export Development Bank of Egypt-EBank |
16.81 % |
| 20 |
SAIB BANK |
16.39 % |
| 21 |
alBaraka Bank Egypt |
16.38 % |
| 22 |
Suez Canal Bank |
16.07 % |
| 23 |
Kuwait Finance House Bank Egypt  |
16.02 % |
| 24 |
BANK NXT |
14.59 % |
