«Faisal Islamic Bank», «Arab African International Bank» and «The United Bank» Lead Egyptian Banks in Leverage Ratio as of March 2026
First Bank
«Faisal Islamic Bank» Tops the Ranking, Advancing from Fifth Place in the 2025 Classification
Relative stability among the top 10 banks, with «CIB» emerging as the new entrant
Foreign banks secure 4 positions within the top 10, out of 13 foreign banks included in the ranking
21 banks exceed the sector average leverage ratio of 7.6%, while only 2 banks remain below the average as of March 2026
«First Bank’s ranking» of the best-performing banks by leverage ratio as of March 2026 revealed that «Faisal Islamic Bank of Egypt» topped the list, recording a leverage ratio of 13.6% by the end of March 2026.
Arab African International Bank «AAIB» ranked second with a leverage ratio of 13.39%, while «The United Bank» secured third place with a leverage ratio of 12.97%.
The ranking, which covered 23 banks operating in the Egyptian banking sector, showed that 21 banks achieved leverage ratios above the sector average of 7.6% as of March 2026, while only two banks recorded ratios below the average, according to the latest data issued by the Central Bank of Egypt.
The leverage ratio reflects the relationship between Tier 1 Capital, as used in the Capital Adequacy Ratio framework (after regulatory deductions), and the bank’s total exposures, including both on-balance-sheet and off-balance-sheet assets, without applying risk-weight adjustments.
It is calculated by dividing Tier 1 Capital, after deductions, by the bank’s total on- and off-balance-sheet exposures that are not weighted for risk. Banks are required to disclose both the leverage ratio and the components of its numerator and denominator within their financial statements.
The ranking also showed that nine banks maintained their presence among the top 10 institutions in terms of leverage ratio in both 2025 and March 2026. Meanwhile, Commercial International Bank «CIB» emerged as the sole new entrant, securing tenth place by the end of March 2026 after ranking twelfth in the 2025 classification.
Foreign banks captured four positions within the top 10, out of the 13 foreign banks included in the ranking. These were «Kuwait Finance House – Egypt», «ABC Egypt», «ABK-Egypt» and «FABMISR».
All figures and ratios mentioned above are based on the standalone financial statements announced by each bank as of March 2026.
Best Banks by Leverage Ratio as of March 2026
| # | Bank Name | March 2026 |
|---|---|---|
| 1 |
Faisal Islamic Bank of Egypt |
13.6 % |
| 2 |
arab african international bank |
13.39 % |
| 3 |
The United Bank |
12.97 % |
| 4 |
BANK NXT |
12.55 % |
| 5 |
Kuwait Finance House Bank Egypt  |
11.96 % |
| 6 |
Housing and Development Bank-HDB |
11.84 % |
| 7 |
Arab Banking Corporation- ABC |
11.75 % |
| 8 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
11.62 % |
| 9 |
First Abu Dhabi Bank Egypt-FAB |
11.23 % |
| 10 |
Commercial International Bank-CIB |
11.1 % |
| 11 |
SAIB BANK |
10.59 % |
| 12 |
Qatar National Bank-QNB  |
10.33 % |
| 13 |
NBK Egypt |
10.26 % |
| 14 |
Bank of Alexandria-Alex Bank |
9.97 % |
| 15 |
Credit Agricole Egypt |
9.73 % |
| 16 |
Export Development Bank of Egypt-EBank |
9.47 % |
| 17 |
alBaraka Bank Egypt |
9.24 % |
| 18 |
Banque Du Caire-BDC |
9.11 % |
| 19 |
HSBC |
8.78 % |
| 20 |
Abu Dhabi Commercial Bank Egypt- ADCB |
8.16 % |
| 21 |
Abu Dhabi Islamic Bank-ADIB Egypt |
8.02 % |
| 22 |
Attijariwafa Bank Egypt |
6.96 % |
| 23 |
Suez Canal Bank |
5.97 % |
