Housing & Development Bank, «CIB», and «QNB» Egypt Lead Listed Banks on the Egyptian Stock Exchange in Capital Adequacy Ratio by the End of 2025

Housing & Development Bank Tops the List, CIB Ranks Second

Private banks hold 3 positions among the top 5 listed banks in the Capital Adequacy Ratio, compared to 2 positions for public banks

Gulf banking groups secure one spot among the top five

Islamic banks occupy one position among the top 5 listed banks in the Capital Adequacy Ratio

The First Bank ranking of the best banks listed on the Egyptian Stock Exchange in terms of Capital Adequacy Ratio «CAR» by the end of 2025 revealed that Housing & Development Bank ranked first, recording a CAR of 44.99% at the end of 2025.

Commercial International Bank «CIB» came in second place with a CAR of 27.30% by the end of 2025.

QNB Egypt ranked third on the list, recording a Capital Adequacy Ratio of 27.17% by the end of last December.

The ranking, which included all banks listed on the Egyptian Stock Exchange, showed that 8 banks under analysis achieved a CAR above the prevailing banking sector average of 19.2% as of September 2025, according to the latest data from the Central Bank of Egypt.

The Capital Adequacy Ratio reflects the ratio of a bank’s capital components to its risk-weighted assets, illustrating the relationship between the bank’s capital base and the risks associated with its 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, thereby protecting the bank, depositors, and other lenders.

The ranking also showed that private banks captured three positions among the top five listed banks on the Egyptian Stock Exchange in terms of CAR by the end of 2025, represented by CIB, QNB Egypt, and Faisal Islamic Bank of Egypt.

Meanwhile, public banks secured two spots among the top five, with Housing & Development Bank ranking first and United Bank coming in fifth place.

Among Gulf banking groups operating in Egypt, QNB Egypt ranked third on the list.

As for Islamic banks, Faisal Islamic Bank of Egypt appeared among the top five listed banks on the Egyptian Stock Exchange in terms of CAR by the end of 2025.

It is worth noting that all figures and growth rates mentioned in the above analysis are based on the standalone financial statements announced by each bank for the year ending 2025.