United Bank, Faisal Islamic Bank, and HD Bank lead listed banks in leverage ratio by the end of September 2025
United Bank Topped The List Of The Fastest-Growing Banks Listed On The Egyptian Stock Exchange In Terms Of Leverage Ratio During The First 9M Of 2025, With 13.79%.
Faisal Islamic Bank Secured Second Place With A 13.63%, Followed By HD Bank In Third Place With 12.99%.
CIB And QNB Completed The Top Five With Ratio Of 12.20% And 11.29%, Respectively.
According To First Bank’s Ranking Of The Fastest-Growing Listed Banks By Leverage Ratio In 9M 2025, United BankLed The List After Its Leverage Ratio Reached 13.79% During The Period.
Leverage Reflects The Relationship Between The First Tranche Of Capital Used In The Capital Adequacy Criterion (After Exclusions) To Cover The Bank's Assets (Inside And Outside The Financial Position), Not Weighted By Weights.
The Leverage Ratio Consists Of The First Tranche Of Capital After Exclusions Divided By All Assets Inside And Outside The Financial Position, Not Weighted By Risk Weights. Banks Must Disclose The Leverage Ratio, Numerator Components, And Denominator In Their Financial Statements.
The Ranking, Which Included All Banks Listed On The Egyptian Stock Exchange, Showed That 11 Of Them Were Able To Achieve A Leverage Ratio That Exceeds The Prevailing Average In The Banking Sector, Which Is 7.6% By The End Of June 2025, According To The Latest Statistical Bulletin Of The Central Bank Of Egypt, While All Banks Succeeded In Committing To A Leverage Ratio Of No Less Than 3%, On A Quarterly Basis As A Binding Regulatory Ratio Starting In 2018.
Faisal Islamic Bank Claimed Second Place With A Ratio Of 13.63% By September 2025-End.
HD Bank Ranked Third After Its Leverage Ratio Of 12.99% By The End Of September 2025.
CIB Came Fourth With A Leverage Ratio 11.29% By September 2025-End.
In Fifth Place, QNB Recorded A 11.29% In Leverage Ratio.
All Figures And Growth Rates Cited In This Analysis Are Based On The Independently Published Financial Statements Of Each Bank As Of September 2025.
Listed Banks on EGX's leverage ratio by September 2025-End
| # | Bank Name | Leverage Ratio |
|---|---|---|
| 1 |
The United Bank |
13.79 % |
| 2 |
Faisal Islamic Bank of Egypt |
13.63 % |
| 3 |
Housing and Development Bank-HDB |
12.99 % |
| 4 |
Commercial International Bank-CIB |
12.2 % |
| 5 |
Qatar National Bank-QNB  |
11.29 % |
| 6 |
Credit Agricole Egypt |
10.12 % |
| 7 |
alBaraka Bank Egypt |
9.57 % |
| 8 |
SAIB BANK |
9.49 % |
| 9 |
Export Development Bank of Egypt-EBank |
9.33 % |
| 10 |
Abu Dhabi Islamic Bank-ADIB Egypt |
8.3 % |
| 11 |
EGBANK |
8.09 % |
| 12 |
Suez Canal Bank |
7.03 % |
