United Bank, Faisal Islamic Bank, and Housing & Development Bank Top EGX-Listed Banks in Leverage Ratio by End-2025
First Bank Ratings Center
United Bank Leads the Ranking… Followed by Faisal Islamic Bank
Private banks secure 3 spots among the top five, compared with 2 for public banks
Gulf banking groups capture only one position among the top five listed banks by leverage ratio
Islamic banks hold a single seat among the top five listed banks by leverage ratio
The First Bank ranking of the best banks listed on the Egyptian Exchange in terms of leverage ratio by the end of 2025 revealed that United Bank topped the list, recording a leverage ratio of 14.21% by the end of last December.
Faisal Islamic Bank of Egypt ranked second, posting a leverage ratio of 13.39% by the end of 2025.
Housing & Development Bank came third, with a leverage ratio of 13.29% by the end of 2025.
The ranking, which included all banks listed on the Egyptian Exchange (12 banks) with available financial data, showed that 11 banks in the analysis succeeded in achieving a leverage ratio higher than the banking sector average of 7.7% as 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 in the capital adequacy standard (after regulatory deductions) and the bank’s total exposures (on- and off-balance sheet) without risk weighting.
The leverage ratio is calculated as Tier 1 capital after deductions divided by total on- and off-balance sheet exposures without applying risk weights. Banks are required to disclose the leverage ratio and the components of both the numerator and denominator in their financial statements.
The ranking also showed that private banks secured 3 positions among the top five listed banks on the Egyptian Exchange in terms of leverage ratio by the end of 2025, including Faisal Islamic Bank, QNB Egypt, and CIB.
Meanwhile, public banks captured two positions among the top five, with United Bank ranking first and Housing & Development Bank placing third.
Regarding Gulf banking groups operating in Egypt, they held only one position among the top five listed banks by leverage ratio, represented by QNB Egypt, which ranked fourth.
Islamic banks also secured a single position among the top five, represented by Faisal Islamic Bank, which ranked second.
It is worth noting that all values and growth rates mentioned in the above analysis are based on the standalone financial statements announced by each bank for the year ending 2025.
Leverage Ratio of Banks Listed on the Egyptian Exchange as of the End of December 2025.
| # | Bank Name | Leverage Ratio End of December 2025 |
|---|---|---|
| 1 |
The United Bank |
14.21 % |
| 2 |
Faisal Islamic Bank of Egypt |
13.39 % |
| 3 |
Housing and Development Bank-HDB |
13.29 % |
| 4 |
Qatar National Bank-QNB  |
11.49 % |
| 5 |
Commercial International Bank-CIB |
11.3 % |
| 6 |
Credit Agricole Egypt |
10.26 % |
| 7 |
SAIB BANK |
10.25 % |
| 8 |
alBaraka Bank Egypt |
9.75 % |
| 9 |
Export Development Bank of Egypt-EBank |
9.47 % |
| 10 |
EGBANK |
8.64 % |
| 11 |
Abu Dhabi Islamic Bank-ADIB Egypt |
8.61 % |
| 12 |
Suez Canal Bank |
6.43 % |
