«Faisal Islamic Bank», «Arab African International Bank», and «FABMISR» are the best private sector banks in terms of leverage ratio as of end-September 2025

The «First Bank» list of the best private sector banks operating in Egypt in terms of leverage ratio by the end of September 2025 revealed that «Faisal Islamic Bank of Egypt» topped the rankings, achieving a leverage ratio of 13.63% by the end of September 2025.

«Arab African International Bank» came in second place, recording a leverage ratio of 13.58% by the end of September 2025.

Meanwhile, «First Abu Dhabi Bank – Egypt (FABMISR)» ranked third with a leverage ratio of 13.45% by the end of September 2025.

The list, which included 20 private sector banks operating in the Egyptian banking sector, showed that 19 banks under analysis recorded leverage ratios exceeding the sector average of 7.7% by the end of September 2025, according to the latest data from the Central Bank of Egypt.

The leverage ratio reflects the relationship between Tier 1 capital used within the capital adequacy framework (after regulatory deductions) and the bank’s total assets—both on- and off-balance sheet—without applying risk weights.

The leverage ratio is calculated as Tier 1 capital after deductions divided by total on- and off-balance sheet assets not weighted by risk. Banks are required to disclose the leverage ratio and the components of both the numerator and denominator in their financial statements.

Data also highlighted the strong performance of foreign banking groups operating in Egypt, which secured 7 seats among the top 10 private sector banks in terms of leverage ratio by the end of September 2025. These banks include: «FABMISR», «Alexandria Bank», «ABC», «Kuwait Finance House – Egypt», «QNB Egypt», «National Bank of Kuwait – Egypt», and «HSBC», while other banking groups were absent from the top ten.

Listed banks on the Egyptian Exchange secured 3 seats among the top 10 private sector banks by leverage ratio, namely: «Faisal Islamic Bank», «Commercial International Bank (CIB)», and «QNB Egypt».

At the level of Islamic banks, «Faisal Islamic Bank» and «Kuwait Finance House – Egypt» appeared among the top 10 private sector banks by leverage 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.