«EGBANK», «HD Bank», and «saib» are the banks listed on the Egyptian Exchange most concentrated in retail lending by end of 2025
First Bank
Banks listed on the exchange allocate 21.9% of their total lending to individuals
Private sector banks listed on the exchange allocate 21% of their lending to retail loans
Retail loans account for 29% of total lending at public banks listed on the exchange
Islamic banks listed on the exchange allocate 28% of their total lending to individuals
The «First Bank» list of the concentration ratio of banks listed on the Egyptian Exchange in retail lending by the end of 2025 revealed that the Egyptian Gulf Bank «EGBANK» topped the ranking, with a concentration ratio of 52.64%, as its retail loan portfolio reached EGP 34.86 bn, while its total loans recorded EGP 66.23 bn.
Housing and Development Bank secured second place, with a concentration ratio of 50.11%, as its retail loan portfolio reached EGP 28.21 bn, while its total loans portfolio recorded EGP 79.19 bn by the end of 2025.
The Arab International Bank «saib» ranked third, with a concentration ratio of 35.62%, as its retail loan portfolio reached EGP 28.21 bn, while its total loans recorded about EGP 79.19 bn by the end of 2025.
The list monitors the lending structure of banks listed on the Egyptian Exchange (12 banks), specifically at the level of retail lending, and is based on the ratio (Retail Loans / Total Customer Loans) to provide an indicator of how concentrated a bank’s loan portfolio is in retail lending.
The data revealed that banks listed on the Egyptian Exchange (12 banks) allocated about 21.9% of their total lending to the retail segment by the end of 2025.
At the level of private sector listed banks, retail lending accounted for 21.03% of total lending, with retail loan portfolios reaching EGP 335.78 bn out of total customer loans of about EGP 1.60 tn by the end of 2025.
As for public sector banks, they allocated about 29.45% of their total lending to the retail segment, with retail loan portfolios reaching EGP 56.17 bn out of total loans of about EGP 190.75 bn by the end of 2025.
Regarding Islamic banks, they allocated about 28.21% of their total lending to individuals, with retail loan portfolios reaching EGP 70.72 bn out of total loans of EGP 250.65 bn by the end of 2025.
It is worth noting that all values mentioned in the above analysis are based on the independent financial statements announced by each bank by the end of December 2025.
Concentration Ratio of Banks Listed on the Egyptian Exchange in Retail Loans by the End of 2025
| # | Bank Name | Total Customer Loans by the End of 2025 | Retail Loans by the End of 2025 | Concentration Ratio |
|---|---|---|---|---|
| 1 |
EGBANK |
66.23 EGP bn | 34.86 EGP bn | 52.64 % |
| 2 |
Housing and Development Bank-HDB |
65.72 EGP bn | 32.93 EGP bn | 50.11 % |
| 3 |
SAIB BANK |
79.19 EGP bn | 28.21 EGP bn | 35.62 % |
| 4 |
Abu Dhabi Islamic Bank-ADIB Egypt |
154.87 EGP bn | 48.33 EGP bn | 31.21 % |
| 5 |
Credit Agricole Egypt |
66.99 EGP bn | 17.06 EGP bn | 25.47 % |
| 6 |
The United Bank |
38.28 EGP bn | 9.43 EGP bn | 24.63 % |
| 7 |
alBaraka Bank Egypt |
75.9 EGP bn | 18.08 EGP bn | 23.83 % |
| 8 |
Faisal Islamic Bank of Egypt |
19.88 EGP bn | 4.31 EGP bn | 21.66 % |
| 9 |
Qatar National Bank-QNB  |
464.84 EGP bn | 81.11 EGP bn | 17.45 % |
| 10 |
Commercial International Bank-CIB |
541.41 EGP bn | 92.28 EGP bn | 17.04 % |
| 11 |
Export Development Bank of Egypt-EBank |
86.75 EGP bn | 13.81 EGP bn | 15.92 % |
| 12 |
Suez Canal Bank |
127.04 EGP bn | 11.55 EGP bn | 9.09 % |
