HD Bank, CIB, and Faisal Islamic Bank are the Best-Performing Listed Banks in the Capital Adequacy Ratio as of September 2025

HD Bank tops the list of the best-performing banks listed on the Egyptian Stock Exchange in the capital adequacy ratio with a rate of 42.22%.. and CIB secures the second place with a ratio of 30.20%

Faisal Islamic Bank ranks third with a ratio of 26.24%.. and QNB-Egypt and The United Bank secure the fourth and fifth places with ratios of 25.57% and 23.55% respectively

The First Bank list of the best-performing listed banks in the capital adequacy ratio as of September 2025 revealed that Housing and Development Bank «HD Bank» topped the list after recording a capital adequacy ratio of 42.22%.

The list, which included all banks listed on the Egyptian Stock Exchange a total of 12 banks, showed that 8 banks among those included in the analysis achieved a capital adequacy ratio exceeding the sector average of 18.6% as of the end of June 2025, according to the latest statistical bulletin of the Central Bank of Egypt.

All listed banks succeeded in surpassing the minimum threshold set by the Central Bank for the capital adequacy ratio of 12.5%, as local banks continued to strengthen their capital adequacy levels within their ongoing efforts to apply international best practices and Basel Committee requirements.

The capital adequacy ratio represents the percentage of a bank’s capital components to its risk-weighted assets, and illustrates the relationship between the source of capital and the risks surrounding the bank’s assets and any other operations.

It is considered a tool for measuring the solvency of the bank, meaning its ability to meet obligations and withstand any potential future losses, with the objective of protecting the bank, depositors, and other lenders.

Returning to the list, Commercial International Bank-Egypt «CIB» secured the second place with a capital adequacy ratio of 30.20% as of September 2025.

Faisal Islamic Bank ranked third with a capital adequacy ratio of 26.24% as of September 2025.

Qatar National Bank-Egypt «QNB-Egypt» secured the fourth place after recording a capital adequacy ratio of 25.57% as of September 2025.

As for the fifth place, it was secured by The United Bank with a capital adequacy ratio of 23.55% as of September 2025.

It is worth noting that all data mentioned in the analysis above are based on the standalone financial statements disclosed by each bank as of the end of June 2025.