«Alex Bank» «FABMISR» and «CIB» are the top private sector banks in Egypt by Capital Adequacy Ratio as of the end of September 2025.

Alex Bank Tops Private Sector Banks in Capital Adequacy Ratio; FABMISR Follows Closely

Foreign banking groups secure 7 seats among the top 10 private sector banks by Capital Adequacy Ratio.

Islamic banks capture only one position among the top ten Listed banks dominate half of the top 10 private sector banks by Capital Adequacy Ratio

The First Bank list of the best private sector banks operating in Egypt by Capital Adequacy Ratio as of the end of September 2025 revealed that Alex Bank topped the ranking, recording a capital adequacy ratio of 36.03%.

First Abu Dhabi Bank – Egypt ranked second with a capital adequacy ratio of 32.25% as of the end of September 2025.

Meanwhile, Commercial International Bank secured third place on the list, posting a capital adequacy ratio of 30.20% by the end of September 2025.

The list, which included 20 private sector banks operating in the Egyptian banking sector, showed that 13 banks under analysis achieved capital adequacy ratios exceeding the sector average of 19.2% as of the end of September 2025, according to the latest data released by the Central Bank of Egypt .

The Capital Adequacy Ratio reflects the proportion of a bank’s capital components to its risk-weighted assets, illustrating the relationship between capital sources and the risks surrounding a bank’s assets and other operations.

It is considered a key indicator for measuring a bank’s solvency, i.e., its ability to meet obligations and absorb potential future losses, with the aim of protecting the bank, depositors, and other lenders.

The data also highlighted the strong performance of foreign banking groups operating in Egypt, which secured 7 seats among the top 10 private sector banks by capital adequacy ratio as of the end of September 2025. These banks include: Alex Bank, FABMISR, HSBC, QNB Egypt, National Bank of Kuwait – Egypt, Al Ahli Bank of Kuwait – Egypt, and Crédit Agricole, while other banking groups were absent from the top ten rankings.

Banks listed on the Egyptian Exchange captured half of the seats among the top 10 banks by capital adequacy ratio, namely: Commercial International Bank, Faisal Islamic Bank, QNB, EGBANK, and Crédit Agricole.

At the level of Islamic banks, Faisal Islamic Bank was the only Islamic bank to feature among the top 10 private sector banks by capital adequacy ratio.

It is worth noting that private sector banks are defined as banks in which private ownership exceeds 50%, according to data from Egypt’s Ministry of Public Business Sector.