Housing & Development Bank, «FABMISR», and «HSBC» Lead Egyptian Banks in Capital Adequacy Ratio by End of 2025
Housing & Development Bank tops the ranking for the second consecutive year, reflecting its exceptional ability to absorb potential losses and cover risks through a strong capital base
Complete stability in the Top 10 banks for capital adequacy ratio between 2025 and 2024
Foreign banks secure 6 positions among the top 10 out of 14 foreign banks included in the ranking
14 banks exceed the sector average of 19.6%, while 11 banks remain below average by end-2025
FirstBank ranking of the best-performing banks in terms of capital adequacy ratio in the Egyptian banking sector by the end of 2025 revealed that Housing & Development Bank secured the top position, recording a capital adequacy ratio of 44.99% by year-end 2025.
First Abu Dhabi Bank Misr ranked second, posting a capital adequacy ratio of 32.93% by the end of 2025.
Meanwhile, HSBC captured third place, with a capital adequacy ratio of 30.72% by year-end 2025.
The First Bank ranking, which covered 25 banks operating in the Egyptian banking sector, found that 14 banks out of those analyzed achieved a capital adequacy ratio exceeding the sector average of 19.6% by the end of 2025, according to the latest data released by the Central Bank of Egypt.
The ranking also recorded complete stability in the top 10 list for capital adequacy ratio between 2025 and 2024.
Foreign banks captured 6 positions among the top 10, out of 14 foreign banks included in the classification, namely: First Abu Dhabi Bank Misr, HSBC, Bank of Alexandria, QNB, National Bank of Kuwait - Egypt, and Al Ahli Bank of Kuwait - Egypt.
Regarding Islamic banks included in the ranking, Abu Dhabi Islamic Bank - Egypt, Al Baraka Bank Egypt, Faisal Islamic Bank of Egypt, and Kuwait Finance House - Egypt recorded an average capital adequacy ratio of 20.3%.
It is worth noting that all figures and growth rates mentioned in the above analysis are based on the standalone financial statements announced by each bank as of the end of 2025
Capital Adequacy Ratio of Banks Operating in the Egyptian Banking Sector by End of 2025
| # | Bank Name | Capital Adequacy Ratio at End of 2025 |
|---|---|---|
| 1 |
Housing and Development Bank-HDB |
44.99 % |
| 2 |
First Abu Dhabi Bank Egypt-FAB |
32.93 % |
| 3 |
HSBC |
30.72 % |
| 4 |
Bank of Alexandria-Alex Bank |
27.54 % |
| 5 |
Commercial International Bank-CIB |
27.3 % |
| 6 |
Qatar National Bank-QNB  |
27.17 % |
| 7 |
Faisal Islamic Bank of Egypt |
26.76 % |
| 8 |
NBK Egypt |
23.07 % |
| 9 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
22.18 % |
| 10 |
The United Bank |
22.07 % |
| 11 |
Banque Du Caire-BDC |
22.06 % |
| 12 |
BANK NXT |
22.02 % |
| 13 |
Abu Dhabi Commercial Bank Egypt- ADCB |
20.01 % |
| 14 |
EGBANK |
19.9 % |
| 15 |
Credit Agricole Egypt |
19.5 % |
| 16 |
Abu Dhabi Islamic Bank-ADIB Egypt |
19.44 % |
| 17 |
arab african international bank |
19.34 % |
| 18 |
Arab Banking Corporation- ABC |
19.2 % |
| 19 |
alBaraka Bank Egypt |
18.79 % |
| 20 |
Emirates NBD Egypt |
18.76 % |
| 21 |
Suez Canal Bank |
18.44 % |
| 22 |
Attijariwafa Bank Egypt |
18.22 % |
| 23 |
Export Development Bank of Egypt-EBank |
17.17 % |
| 24 |
SAIB BANK |
16.93 % |
| 25 |
Kuwait Finance House Bank Egypt  |
16.19 % |
