Housing & Development Bank, Alex Bank, and HSBC Top Egyptian Banks in Return on Average Assets During H1-2025

Housing & Development Bank tops the list of banks with the highest Return on Average Assets «ROAA» at 9.60%, followed by Alex Bank in second place with 6.58%.

HSBC-Egypt ranked third with a ROAA of 6.56%, while Credit Agricole Egypt and CIB secured the fourth and fifth positions with 5.41% and 5.29%, respectively.

ADIB-Egypt, NBK-Egypt, and ADCB were also among the top 10 banks, recording 4.35%, 4.11%, and 4.05%, respectively, by the end of June 2025.

First Bank’s ranking of the most efficient banks in utilizing their assets to generate profits measured by the Return on Average Assets (ROAA) for the first half of 2025 revealed that Housing & Development Bank led the list with a ratio of 9.60%, supported by net profits of EGP 8.93 billion during H1-2025.

The ranking, which included 25 banks operating in Egypt’s banking sector with available financial data, showed that all banks achieved positive ROAA levels, as each of them posted profits during the first half of 2025.

The ROAA measures a bank’s efficiency in utilizing its assets to generate net income during a specific period. The higher the ratio, the more efficiently a bank uses its assets to achieve strong profitability.

Returning to the ranking, Alex Bank claimed second place with a ROAA of 6.58%, driven by net profits of EGP 7.47 billion during H1-2025.

HSBC-Egypt secured third place with 6.56%, supported by net profits of EGP 9.58 billion.

Credit Agricole Egypt came fourth with 5.41%, achieving net profits of EGP 3.53 billion during the same period.

Commercial International Bank «CIB» ranked fifth with a ROAA of 5.29%, supported by net profits of EGP 33.41 billion during H1-2025.

Abu Dhabi Islamic Bank – Egypt «ADIB-Egypt» came sixth with 4.35%, achieving net profits of EGP 6.04 billion.

National Bank of Kuwait – Egypt «NBK-Egypt» ranked seventh with 4.11%, posting net profits of EGP 4.13 billion.

Abu Dhabi Commercial Bank – Egypt «ADCB» followed in eighth place with 4.05%, as net profits reached EGP 2.95 billion.

First Abu Dhabi Bank – Egypt «FABMISR» came ninth with 3.93%, supported by net profits of EGP 8.59 billion.

Finally, Qatar National Bank – Egypt «QNB-Egypt» rounded out the top ten with 3.60%, recording net profits of EGP 14.77 billion during H1-2025.

All figures and ratios cited above are based on the independent financial statements published by each bank as of June 2025.