Faisal Islamic, FABMISR, and AAIB Lead Private Sector Banks in Leverage Ratio by End of June 2025

Faisal Islamic tops the list of private sector banks with the highest leverage ratio at 13.60%, followed by FABMISR in second place with 12.82%.

AAIB ranks third with a leverage ratio of 12.51%, while KFH-Egypt and ABC secure the fourth and fifth positions with 12.36% and 12.10%, respectively.

CIB, Alex Bank, and QNB–Egypt are also among the top 10 private banks, recording leverage ratios of 11.50%, 11.01%, and 10.93%, respectively.

The First Bank ranking of private sector banks with the highest leverage ratios as of June 2025 revealed that Faisal Islamic Bank of Egypt topped the list with a leverage ratio of 13.60% by the end of June 2025.

The report, which included 20 private banks operating in the Egyptian banking sector, showed that 18 banks achieved leverage ratios above the sector average of 7.6%, according to the latest statistical bulletin of the Central Bank of Egypt «CBE».

All analyzed banks complied with the minimum regulatory leverage ratio of 3%, applied semiannually as a mandatory requirement since 2018.

The leverage ratio reflects the relationship between the Tier 1 capital (after deductions) and the bank’s on- and off-balance-sheet exposures, unweighted by risk. It is calculated by dividing the Tier 1 capital (after deductions) by the total on- and off-balance-sheet exposures, not risk-weighted. Banks are required to disclose the leverage ratio and its components (numerator and denominator) in their financial statements.

It is noteworthy that private sector banks are defined as those in which private ownership exceeds 50%, according to the Ministry of Public Enterprise Sector.

Returning to the list, FABMISR ranked second, recording a leverage ratio of 12.82% as of June 2025.

In third place, the Arab African International Bank «AAIB» achieved a leverage ratio of 12.51% at the end of June 2025.

Kuwait Finance House-Egypt «KFH-Egypt» followed in fourth place with a ratio of 12.36%, while ABC Bank came fifth with 12.10%.

The Commercial International Bank «CIB» secured sixth place with a leverage ratio of 11.50%, followed by Bank of Alexandria in seventh with 11.01%.

Qatar National Bank-Egypt «QNB-Egypt» ranked eighth with 10.93%, HSBC-Egypt came ninth with 10.89%, and National Bank of Kuwait-Egypt «NBK-Egypt» completed the top ten with a leverage ratio of 10.87% as of June 2025.

It should be noted that all ratios and figures mentioned in the analysis above are based on the independent financial statements published by each bank as of June 2025.