Decision Makers: Ahmed Galal’s Strategy Drives «EBank» Loan Portfolio Toward Strong Growth Over the Past 3 Years
Since Ahmed Galal assumed the position of Chief Executive Officer and Managing Director of the Egyptian Export Development Bank «EBank» on 13 December 2022, the bank has entered a new phase of differentiated performance characterized by accelerated growth, improved asset quality, and stronger competitive presence within the Egyptian banking sector.
In this episode of Decision Makers, we examine Ahmed Galal’s role and the impact of his strategy on achieving strong growth in the bank’s customer loan portfolio over three years, in addition to recording record growth rates across key financial portfolios, reinforcing its position as one of the most important banks in the Egyptian market.
Customer loans at «EBank» witnessed strong growth, rising by 95.9% to reach 84.17 EGP bn by the end of 2025, compared to 42.98 EGP bn at the end of 2022, an overall increase of 41.2 EGP bn.
This strong expansion under Ahmed Galal’s leadership is mainly driven by the growth of the corporate loan portfolio, which increased by 81.1% to reach 72.94 EGP bn by the end of 2025, compared to 40.28 EGP bn at the end of 2022, with an increase of 32.65 EGP bn.
In addition, the retail loan portfolio recorded a remarkable surge of 204.6%, increasing by 9.28 EGP bn to reach 13.81 EGP bn by the end of 2025, compared to 4.54 EGP bn at the end of 2022, reflecting nearly a tripling in size.
Regarding the loan-to-deposit ratio at «EBank», the bank adopted a conservative approach, reflected in a slight decline to 57.7% by the end of 2025, compared to 58.99% at the end of 2022.
Overall, Ahmed Galal’s strategy delivered strong financial performance, with net profits surging by 388.7% to reach 6 EGP bn in 2025, compared to 1.23 EGP bn in 2022.
On the balance sheet side, total assets increased by 113.9%, rising by 110.18 EGP bn » to reach 206.93 EGP bn by the end of 2025, compared to 96.76 EGP bn in 2022.
Customer deposits also grew by 100.1%, increasing by 72.91 EGP bn to reach 145.76 EGP bn » by the end of 2025, compared to 72.85 EGP bn in 2022.
Meanwhile, the bank’s issued and paid-in capital recorded a significant jump of 157.9%, reaching 13.6 EGP bn by the end of 2025, compared to 5.27 EGP bn in 2022.
