«Faisal Islamic Bank», «Al Baraka Bank», and «United Bank» Lead Retail Deposit Concentration Among EGX-Listed Banks by End-2025
EGX-listed banks allocate 48.5% of total deposits to retail segment by end-2025
Retail deposits account for 49.2% of total deposits in listed private sector banks
Retail deposits represent 43% of total deposits in listed public sector banks
Islamic banks listed on the EGX allocate 68% of their deposits to retail segment
First Bank’s ranking of retail deposit concentration among banks listed on the Egyptian Exchange by the end of 2025 revealed that «Faisal Islamic Bank» ranked first, recording a concentration ratio of 97.01%, with retail deposits amounting to EGP 189.64 bn out of total customer deposits of EGP 195.47 bn.
«Al Baraka Bank» secured second place with a concentration ratio of 67.54%, as its retail deposit portfolio reached EGP 82.88 bn, compared to total deposits of EGP 122.72 bn by the end of 2025.
«United Bank» ranked third, posting a concentration ratio of 62.96%, with retail deposits totaling EGP 47.73 bn out of overall deposits of EGP 75.82 bn by the end of 2025.
The ranking tracks the deposit composition strategies of all 12 banks listed on the Egyptian Exchange, with a focus on the diversification of retail products and savings instruments aimed at attracting individual customers. It is based on the ratio of retail deposits to total deposits, providing an indicator of the extent to which banks rely on retail funding.
Data showed that retail deposits across all listed banks—totaling 12 institutions—accounted for 48.5% of total customer deposits by the end of 2025.
At the private sector level, listed banks allocated 49.2% of their deposits to retail segment, with retail deposits reaching EGP 1.50 tn out of total deposits of EGP 3.05 tn.
For public sector banks listed on the exchange, retail deposits accounted for 43% of total deposits, with retail portfolios amounting to EGP 173.38 bn out of EGP 400.71 bn in total deposits by the end of 2025.
As for Islamic banks listed on the exchange, retail deposits represented 68% of total deposits, with retail portfolios reaching EGP 407.09 bn out of total deposits of EGP 596.29 bn.
It is worth noting that all figures mentioned above are based on the standalone financial statements announced by each bank as of December 2025.
Retail Deposit Concentration of EGX-Listed Banks by End-2025
| # | Bank Name | Retail Deposits (End of 2025) | Customer Deposits (End of 2025) | Concentration Ratio (Retail Deposits / Total Deposits) |
|---|---|---|---|---|
| 1 |
Faisal Islamic Bank of Egypt |
189.64 EGP bn | 195.47 EGP bn | 97.01 % |
| 2 |
alBaraka Bank Egypt |
82.88 EGP bn | 122.72 EGP bn | 67.54 % |
| 3 |
The United Bank |
47.73 EGP bn | 75.82 EGP bn | 62.96 % |
| 4 |
Commercial International Bank-CIB |
647.4 EGP bn | 1.11 EGP tn | 58.57 % |
| 5 |
Housing and Development Bank-HDB |
104.25 EGP bn | 179.13 EGP bn | 58.2 % |
| 6 |
Abu Dhabi Islamic Bank-ADIB Egypt |
134.57 EGP bn | 278.09 EGP bn | 48.39 % |
| 7 |
SAIB BANK |
53.88 EGP bn | 140.72 EGP bn | 38.29 EGP bn |
| 8 |
Qatar National Bank-QNB  |
287.61 EGP bn | 779.31 EGP bn | 36.91 % |
| 9 |
Credit Agricole Egypt |
40 EGP bn | 110.2 EGP bn | 36.29 % |
| 10 |
EGBANK |
26.35 EGP bn | 106.64 EGP bn | 24.71 % |
| 11 |
Suez Canal Bank |
37.32 EGP bn | 209.04 EGP bn | 17.85 % |
| 12 |
Export Development Bank of Egypt-EBank |
21.4 EGP bn | 145.76 EGP bn | 14.68 % |
