HD Bank, Alex Bank, and ADIB-Egypt are the Most Efficient Banks in Achieving Return on Equity During H1-2025

HD Bank tops the list of the most efficient banks in achieving return on equity (ROE) with a rate of 66.75%, while AlexBank ranks second with 52.21%.

ADIB-Egypt secured the third position on the list with a return rate of 48.56%, while CIB and SC Bank took the fourth and fifth places with 40.77% and 40.50%, respectively.

ADCB, HSBC, and NBK-Egypt were also among the top 10 banks in terms of return on equity, recording 40.18%, 40.08%, and 34.46%, respectively.

First Bank’s ranking of the most efficient banks in achieving return on equity during the first half of 2025 revealed that Housing and Development Bank ranked first with an ROE of 66.75%, supported by net profits of EGP 8.93 billion during H1-2025.

The list, which included 25 banks operating in the Egyptian banking sector for which financial data was available during the analysis period, showed that all banks achieved positive ROE ratios, reflecting their ability to generate profits and avoid losses during the first half of 2025.

The “Return on Average Equity (ROE)” indicator reflects banks’ ability to utilize shareholders’ equity to generate adequate profit levels during the analyzed period. The higher the ratio, the more efficient the bank is in employing its capital to achieve strong profitability.

Returning to the ranking, Bank of Alexandria «Alex Bank» came second with an ROE of 52.21%, achieving net profits of EGP 7.47 billion during H1-2025.

Abu Dhabi Islamic Bank-Egypt «ADIB-Egypt» ranked third with a return on equity of 48.56%, supported by net profits of EGP 6.04 billion.

Commercial International Bank «CIB» came fourth with a rate of 40.77%, achieving EGP 33.41 billion in net profits during H1-2025.

Suez Canal Bank «SC Bank» ranked fifth with 40.50%, supported by net profits of EGP 3.08 billion.

Abu Dhabi Commercial Bank – Egypt «ADCB» came sixth with an ROE of 40.18%, followed by HSBC-Egypt in seventh place with 40.08%.

NBK-Egypt ranked eighth with 34.46%, achieving net profits of EGP 4.13 billion during H1-2025.

Credit Agricole Egypt ranked ninth with 34.11%, achieving EGP 3.53 billion in net profits.

Finally, EGBANK took the tenth spot with 33.41%, recording net profits of EGP 1.72 billion during H1-2025.

It is worth noting that all values and ratios mentioned above are based on the independent financial statements published by each bank as of the end of June 2025.