«National Bank of Egypt», «FABMISR» and Banque Misr Lead Banks in Asset-to-Deposit Coverage Ratio as of September 2025

National Bank of Egypt Tops the List… «FABMISR» Ranks Second

Private Sector Banks Capture 6 Positions Among the Top 10 among 4 Public Banks

Islamic Banks Secure One Seat Among the Top 10

Foreign Banking Groups Capture 3 Positions Among the Best Banks in the Asset-to-Deposit Coverage Ratio

Listed Banks on the Egyptian Exchange Secure 3 Positions Among the Top 10

The «First Bank» ranking of the best banks operating in the Egyptian banking sector in terms of the asset-to-deposit coverage ratio as of September 2025 revealed that the National Bank of Egypt «NBE» topped the list with a coverage ratio of 158.69%, after its total assets reached about EGP 8.93 tn, while customer deposits amounted to EGP 5.63 tn by the end of September 2025.

«FABMISR» ranked second, with an asset-to-deposit coverage ratio of 151.99%, as the bank’s total assets reached EGP 472.42 bn, while its customer deposits portfolio recorded EGP 310.83 bn as of September 2025.

Banque Misr captured the third place, with an asset-to-deposit coverage ratio of 142.83%, after its total assets portfolio reached about EGP 4.14 tn, while its customer deposits amounted to EGP 2.90 tn by the end of September 2025.

The ranking, which included 27 banks operating in the Egyptian banking sector for which financial data were available, showed that all banks recorded strong coverage levels for customer deposits as of the end of September 2025.

The asset-to-deposit coverage ratio reflects banks’ ability to cover customer deposits using their asset portfolios. The ranking is calculated based on the formula (Assets / Deposits) × 100, where a higher ratio indicates a stronger level of safety provided by banks to depositors across different segments.

The data also showed that private sector banks captured 6 positions among the top 10 banks in the asset-to-deposit coverage ratio, namely: «FABMISR», «HSBC», «Arab African International Bank «AAIB»», «Faisal Islamic Bank», «AlexBank», and «CIB».

As for public sector banks, they secured 4 positions among the top 10, with the National Bank of Egypt ranking first, Banque Misr ranking third, Export Development Bank of Egypt «EBank» placing sixth, and Banque du Caire ranking seventh.

Islamic banks captured one position among the top 10, represented by «Faisal Islamic Bank of Egypt», which ranked eighth.

At the level of foreign banking groups operating in Egypt, they secured 3 positions among the top 10 banks, represented by «FABMISR», «HSBC», and «AlexBank».

Meanwhile, banks listed on the Egyptian Exchange captured 3 positions among the top 10, namely: «EBank», «Faisal Islamic Bank», and «CIB».

It is worth noting that all figures and ratios mentioned in the above analysis are based on the standalone financial statements announced by each bank as of the end of September 2025.