Housing & Development Bank, CIB, and Faisal Islamic Bank Lead Listed Egyptian Banks in Capital Adequacy Ratio as of March 2026

Housing & Development Bank maintains its top position, reflecting its exceptional ability to cover risks and absorb potential losses through a strong capital base.

Stability among the top 5 listed banks in capital adequacy from end-2025 to March 2026, with a “musical chairs” shift between Faisal Islamic Bank and QNB Egypt

Islamic banks secure one seat among the top five, out of three banks included in the ranking

A recent ranking by First Bank of the top listed banks on the Egyptian Exchange in terms of capital adequacy ratio (CAR) as of March 2026 revealed that Housing & Development Bank ranked first, recording a CAR of 38.49%.

The bank maintained its leading position, having also topped the same ranking for 2025, reflecting its exceptional capacity to cover risks and absorb potential losses through a strong capital base.

Commercial International Bank (CIB) ranked second with a capital adequacy ratio of 26.90% as of March 2026.

Faisal Islamic Bank of Egypt secured third place with a CAR of 26.29% by the end of Q1 2026.

The ranking, which included all banks listed on the Egyptian Exchange, showed that only the top five banks achieved a capital adequacy ratio above the sector average of 19.6% as of end-2025, according to the latest data from the Central Bank of Egypt.

In a related context, the list of the top 5 listed banks in terms of capital adequacy remained stable between end-2025 and March 2026, with the same banks continuing to occupy the top positions.

Housing & Development Bank retained first place, followed by CIB in second, while The United Bank remained in fifth place.

The only change occurred in the third and fourth positions, where Faisal Islamic Bank of Egypt moved up to third place by March 2026, while QNB Egypt dropped to fourth, compared to end-2025 when QNB Egypt was third and Faisal Islamic Bank was fourth.

Regarding Islamic banks, Faisal Islamic Bank of Egypt was the only Islamic bank among the top five in capital adequacy ratio as of March 2026, indicating the strength of its capital base compared to its listed peers.

It is worth noting that all values and growth rates mentioned in the above analysis are based on the standalone financial statements announced by each bank as of March 2026.