«EBank», «EGBANK», and «Crédit Agricole» are the best banks listed in terms of the assets-to-deposits coverage ratio by the end of 2025
First Bank
«EBank» tops the list… and «EGBANK» ranks second.
Private banks capture 3 seats among the top five, compared to 2 seats for public banks.
Islamic banks secure a single seat among the top 5 listed banks in terms of the assets-to-deposits coverage ratio.
Foreign groups hold one seat among the top 5 listed banks.
The «First Bank» list of the best banks listed on the Egyptian Exchange in terms of the assets-to-deposits coverage ratio by the end of 2025 revealed that the Export Development Bank of Egypt «EBank» topped the ranking, as its assets-to-deposits coverage ratio reached 141.97%, with its total assets amounting to EGP 206.93 bn, while its total deposits recorded EGP 145.76 bn by the end of 2025.
The Egyptian Gulf Bank «EGBANK» secured second place, as its assets-to-deposits coverage ratio reached 132.46%, with its total assets amounting to EGP 141.24 bn, while its total deposits recorded EGP 106.64 bn by the end of 2025.
Crédit Agricole – Egypt ranked third, with a coverage ratio of 132.16% by the end of 2025, as the bank’s total assets reached EGP 145.64 bn, while its deposit portfolio recorded EGP 110.20 bn during the same period.
The list, which included all banks listed on the Egyptian Exchange (numbering 12 banks), showed that all banks enjoyed strong assets-to-deposits coverage ratios by the end of 2025.
The assets-to-deposits coverage ratio reflects banks’ ability to cover customer deposits using their asset portfolios. It is calculated based on the ratio (Assets / Deposits) × 100, and the higher the ratio, the higher the level of safety provided by the bank to its depositors across different segments.
The ranking revealed that private banks captured 3 seats among the top 5 banks listed on the Egyptian Exchange in terms of the assets-to-deposits coverage ratio during 2025, namely: «EGBANK», «Crédit Agricole», and «Faisal Islamic Bank».
Public banks, on the other hand, secured 2 positions among the top five, as «EBank» ranked first, while United Bank came in fifth place.
At the level of foreign banking groups operating in Egypt, they succeeded in capturing one seat among the top 5 listed banks, represented by «Crédit Agricole».
As for Islamic banks, Faisal Islamic Bank of Egypt appeared among the top 5 banks listed on the Egyptian Exchange in terms of the assets-to-deposits coverage ratio by the end of 2025.
It is worth noting that all values and growth rates mentioned in the above analysis are based on the independent financial statements announced by each bank by the end of 2025.
Assets-to-Deposits Coverage Ratio for Banks Listed on the Egyptian Exchange by the End of 2025
| # | Bank Name | Total Assets by the End of 2025 | Total Deposits by the End of 2025 | Assets-to-Deposits Coverage Ratio by the End of 2025 |
|---|---|---|---|---|
| 1 |
Export Development Bank of Egypt-EBank |
206.94 EGP bn | 145.76 EGP bn | 141.97 % |
| 2 |
EGBANK |
141.24 EGP bn | 106.64 EGP bn | 132.46 % |
| 3 |
Credit Agricole Egypt |
145.64 EGP bn | 110.2 EGP bn | 132.16 % |
| 4 |
Faisal Islamic Bank of Egypt |
257.94 EGP bn | 195.47 EGP bn | 131.95 % |
| 5 |
The United Bank |
99.75 EGP bn | 75.82 EGP bn | 131.56 % |
| 6 |
Commercial International Bank-CIB |
1.436 EGP tn | 1.105 EGP tn | 129.93 % |
| 7 |
Suez Canal Bank |
270.12 EGP bn | 209.04 EGP bn | 129.22 % |
| 8 |
Housing and Development Bank-HDB |
229.8 EGP bn | 179.13 EGP bn | 128.29 % |
| 9 |
Abu Dhabi Islamic Bank-ADIB Egypt |
344.15 EGP bn | 278.09 EGP bn | 123.75 % |
| 10 |
SAIB BANK |
172.18 EGP bn | 140.73 EGP bn | 122.35 % |
| 11 |
alBaraka Bank Egypt |
145.89 EGP bn | 122.72 EGP bn | 118.88 % |
| 12 |
Qatar National Bank-QNB  |
915.56 EGP bn | 779.31 EGP bn | 117.48 % |
