NBK-Egypt, Attijariwafa Bank, and United Bank ranked as the top banks in loan portfolio quality as of June 2025

NBK-Egypt leads the ranking with a loan portfolio quality ratio of 99.12%, followed by Attijariwafa Bank at 98.86%, and “United Bank” at 98.55%.

Meanwhile, ABK–Egypt and KFH-Egypt claimed the fourth and fifth positions, with quality ratios of 98.17% and 98.02%, respectively.

Faisal Islamic Bank, Credit Agricole-Egypt, and ADIB–Egypt also ranked among the top 10 banks, recording ratios of 97.87%, 97.85%, and 97.75%, respectively.

According to the First Bank list of the best-performing banks in the Egyptian banking sector by loan portfolio quality as of June 2025, National Bank of Kuwait-Egypt «NBK-Egypt» topped the ranking with a loan quality ratio of 99.12%.

The list included 25 banks operating in the Egyptian banking sector, based on financial statements available for the analysis period, as per the independently published financial reports of each bank by the end of June 2025.

The loan portfolio quality ratio represents the proportion of performing loans (Stage 1 and Stage 2 loans) to total loans, and it is one of the key indicators for assessing credit performance.

A high ratio indicates that the bank effectively applies risk assessment and asset management policies, granting loans to clients with strong creditworthiness, which enhances its financial soundness and minimizes non-performing loan (NPL) risks.

Conversely, a low ratio may reflect weaknesses in credit evaluation or loan recovery processes, prompting a need for improved internal controls. Therefore, maintaining a strong loan quality ratio is a strategic goal for banks aiming for sustainable financial growth and strong depositor confidence.

Returning to the ranking Attijariwafa Bank Egypt ranked second, with a loan quality ratio of 98.86%, and United Bank came third, recording 98.55%.

Al Ahli Bank of Kuwait-Egypt «ABK-Egypt» ranked fourth with 98.17%, while Kuwait Finance House-Egypt «KFH-Egypt» came fifth at 98.02%.

Faisal Islamic Bank followed in sixth place with 97.87%, and Credit Agricole-Egypt took seventh with 97.85%.

Abu Dhabi Islamic Bank-Egypt «ADIB-Egypt» placed eighth with 97.75%, followed by the Arab African International Bank «AAIB» in ninth at 97.68%, and the Export Development Bank of Egypt «EBank» rounded out the top 10 with 97.66% as of June 2025.