Housing and Development Bank, ADIB Egypt, and CIB are the best EGX listed banks in return on equity during 2025
First Bank Ratings Center
Housing and Development Bank leads the list and ADIB Egypt is the runner up
Private banks capture 4 seats among the top five compared to a single seat for public banks
Islamic banks secure one seat among the top 5 listed banks in return on average equity
Gulf groups reserve a single seat within the top 5 listed banks
The First Bank list of the best EGX listed banks in return on equity during 2025 revealed that Housing and Development Bank topped the list with a rate of 55.69%, thanks to achieving net profits of 17.21 billion Egyptian pounds during 2025.
Abu Dhabi Islamic Bank Egypt (ADIB Egypt) ranked second with a return on average equity of 43.64%, thanks to achieving net profits of 12.22 billion Egyptian pounds during 2025.
Commercial International Bank (CIB) secured the third position with a return on average equity of 42.87%, thanks to achieving net profits of 81.81 billion Egyptian pounds during 2025.
The list, which included all 12 banks listed on the Egyptian Exchange, showed that they all achieved positive rates in return on average equity, due to their success in achieving varying levels of net profits and none of them incurring losses during 2025.
The return on average equity rate illustrates the ability of banks to invest owners equity to achieve appropriate profit levels during the period under analysis. The higher the return, the more it indicates the efficiency of banks in investing their shares to achieve suitable profit levels.
The ranking revealed that private banks captured 4 seats within the list of the top 5 EGX listed banks in return on average equity during 2025, represented by ADIB Egypt, CIB, Suez Canal Bank, and EGBANK.
As for public banks, they controlled a single seat among the top five, as Housing and Development Bank came in first place.
Regarding Gulf banking groups operating in Egypt, Abu Dhabi Islamic Bank Egypt (ADIB Egypt) occupied the second position, reinforcing its status as the only Gulf and Islamic bank among the top five.
It should be noted that all values and growth rates mentioned in the analysis above are based on the standalone financial statements announced by each bank at the end of 2025.
Return on Average Equity (ROAE) at EGX Listed Banks in Egypt during 2025
| # | Bank Name | Net Profits at the end of December 2025 | Return on Average Equity % |
|---|---|---|---|
| 1 |
Housing and Development Bank-HDB |
17.21 EGP bn | 55.69 % |
| 2 |
Abu Dhabi Islamic Bank-ADIB Egypt |
12.22 EGP bn | 43.64 % |
| 3 |
Commercial International Bank-CIB |
81.81 EGP bn | 42.87 % |
| 4 |
Suez Canal Bank |
6.42 EGP bn | 37.62 % |
| 5 |
EGBANK |
4.09 EGP bn | 35.32 % |
| 6 |
Credit Agricole Egypt |
6.95 EGP bn | 30.89 % |
| 7 |
Qatar National Bank-QNB  |
29.12 EGP bn | 28.96 % |
| 8 |
alBaraka Bank Egypt |
4.02 EGP bn | 28.5 % |
| 9 |
Export Development Bank of Egypt-EBank |
6.01 EGP bn | 28.1 % |
| 10 |
The United Bank |
2.31 EGP bn | 14.43 % |
| 11 |
Faisal Islamic Bank of Egypt |
4.33 EGP bn | 10.73 % |
| 12 |
SAIB BANK |
1.44 EGP bn | 7.36 % |