FABMISR, Emirates NBD, and HD Bank Lead First Bank’s Resource employment Index as of June 2025

FABMISR tops First Bank’s Index of banks with the highest resource employment ratio, recording 92.11%, followed by Emirates NBD-Egypt in second place with 86.60%, and HD Bank in third with 86.40%.

Meanwhile, KFH-Egypt and QNB-Egypt ranked fourth and fifth with employment ratios of 84.18% and 83%, respectively.

First Bank’s Resource Utilization Index for banks operating in the Egyptian banking sector as of June 2025 revealed that First Abu Dhabi Bank – Egypt «FABMISR» led the ranking with a employment ratio of 92.11%. The bank successfully employed EGP 327.06 billion of its traditional resources in customer loans and financial investments, out of a total of EGP 355.08 billion in traditional resources by the end of June 2025.

The index, developed by First Bank’s Research Center, measures the ratio of traditional resources (customer deposits + shareholders’ equity) to productive uses (customer loans + financial investments) across 25 banks operating in the Egyptian banking sector as of June 2025.

Returning to the ranking, Emirates NBD – Egypt secured second place, with a employment ratio of 86.60%, having deployed EGP 145.10 billion of its traditional resources in loans and investments, compared to total traditional resources of EGP 167.55 billion at the end of June 2025.

Housing & Development Bank «HDB» came in third, recording a employment ratio of 86.40%, after allocating EGP 156.21 billion of its EGP 180.79 billion in traditional resources to loans and financial investments by the end of June 2025.

Kuwait Finance House – Egypt «KFH-Egypt» ranked fourth with a employment ratio of 84.18%, having deployed EGP 121.73 billion of its EGP 144.60 billion in traditional resources into loans and investments.

Qatar National Bank – Egypt «QNB-Egypt» claimed fifth place, with a employment ratio of 83%, employing EGP 663.41 billion of its EGP 799.26 billion traditional resources in customer loans and financial investments.

Al Baraka Bank Egypt followed in sixth place with a employment ratio of 82.16%, as it employed EGP 105.40 billion of its EGP 128.28 billion resources in loans and investments.

EGBANK ranked seventh, with a employment ratio of 81.31%, having allocated EGP 104.55 billion of its EGP 128.58 billion resources to customer loans and financial investments.

Export Development Bank of Egypt «EBank» came in eighth, recording 80.90%, after utilizing EGP 128.19 billion out of EGP 158.45 billion in total resources for loans and investments.

Attijariwafa Bank Egypt ranked ninth, posting a employment ratio of 80.51%, with EGP 92.29 billion of EGP 114.64 billion in traditional resources directed toward loans and investments.

Finally, National Bank of Kuwait – Egypt «NBK-Egypt» secured the tenth position, with a resource employment ratio of 79.41%, as it employed EGP 152.39 billion of EGP 191.92 billion in total traditional resources for loans and financial investments as of June 2025.

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