«Housing & Development», «HSBC» and «Alexandria» Ranked as the Best Banks in Return on Average Assets During Q1 of 2026
First Bank
«Housing & Development» Continues to Lead Banks in Return on Average Assets, Reflecting Its Efficiency in Asset Utilization and Profitability Enhancement
Notable changes among the top 10 banks, with three new entrants reshaping the competitive landscape
Listed banks secure 5 positions among the top 10 performers
18 banks surpass the banking sector’s average Return on Average Assets of 2.6%
«First Bank’s ranking» of the most efficient banks in asset utilization, measured by Return on Average Assets during Q1 of 2026, revealed that «Housing & Development» maintained its position at the top of the ranking with a ROAA of 8.72%, supported by net profits of 5.18 EGP bn during Q1 of 2026.
«HSBC» captured second place with a ROAA of 6.24%, after reporting net profits of 6 EGP bn during Q1 of 2026.
Bank of Alexandria ranked third, posting a ROAA of 5.65%, driven by net profits totaling 3.57 EGP bn during Q1 of 2026.
The ranking, which covered 25 banks operating in the Egyptian banking sector, showed that all banks achieved positive returns on average assets, reflecting their success in generating net profits at varying levels and the absence of any loss-making banks during Q1 of 2026.
Return on Average Assets measures a bank’s efficiency in utilizing its assets to generate net profits during the period under review. A higher ratio indicates greater efficiency in deploying assets to achieve stronger profitability levels.
The data also showed that seven banks maintained their presence among the top 10 banks in ROAA during both the first quarter of 2026 and the first quarter of 2025. These banks were «Housing & Development», «HSBC», «Alexandria», «FABMISR», «Crédit Agricole», «CIB» and «ADIB».
Meanwhile, the top 10 ranking welcomed three new entrants. «ABK-Egypt» climbed to third place from thirteenth place in Q1 2025 ranking.
In addition, Faisal Islamic Bank advanced to eighth place compared with twenty-third place previously, while «Kuwait Finance House» joined the top 10 after securing ninth place, compared with nineteenth place in Q1 2025 ranking.
At the sector level, 18 banks achieved a Return on Average Assets exceeding the sector average of 2.6% during Q1 of 2026, while seven banks recorded returns below the average.
Islamic banks secured three positions among the top 10 performers, with «Faisal Islamic» ranking eighth, while «Kuwait Finance House» and «Abu Dhabi Islamic» Egypt occupied ninth and tenth places, respectively.
Listed banks on the Egyptian Exchange accounted for half of the top 10 positions, represented by «Housing & Development», «Crédit Agricole Egypt», «CIB», «Faisal Islamic» and «Abu Dhabi Islamic ».
All figures and ratios mentioned above are based on the standalone financial statements announced by each bank as of March 2026.
Return on Average Assets of Banks Operating in Egypt During Q1 of 2026
| # | Bank Name | Net Profit During Q1 of 2026 | Return on Average Assets (%) |
|---|---|---|---|
| 1 |
Housing and Development Bank-HDB |
5.18 EGP bn | 8.72 % |
| 2 |
HSBC |
6 EGP bn | 6.24 % |
| 3 |
Bank of Alexandria-Alex Bank |
3.57 EGP bn | 5.65 % |
| 4 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
2.49 EGP bn | 5.45 % |
| 5 |
First Abu Dhabi Bank Egypt-FAB |
6.48 EGP bn | 5.1 % |
| 6 |
Credit Agricole Egypt |
1.8 EGP bn | 4.78 % |
| 7 |
Commercial International Bank-CIB |
17.74 EGP bn | 4.74 % |
| 8 |
Faisal Islamic Bank of Egypt |
2.93 EGP bn | 4.33 % |
| 9 |
Kuwait Finance House Bank Egypt  |
1.76 EGP bn | 3.94 % |
| 10 |
Abu Dhabi Islamic Bank-ADIB Egypt |
3.59 EGP bn | 3.9 % |
| 11 |
Export Development Bank of Egypt-EBank |
2.02 EGP bn | 3.78 % |
| 12 |
Qatar National Bank-QNB  |
8.86 EGP bn | 3.65 % |
| 13 |
NBK Egypt |
2.02 EGP bn | 3.34 % |
| 14 |
Emirates NBD Egypt |
1.74 EGP bn | 3.13 % |
| 15 |
Banque Du Caire-BDC |
3.98 EGP bn | 2.86 % |
| 16 |
EGBANK |
1.06 EGP bn | 2.85 % |
| 17 |
Abu Dhabi Commercial Bank Egypt- ADCB |
1.2 EGP bn | 2.69 % |
| 18 |
BANK NXT |
0.71 EGP bn | 2.69 % |
| 19 |
The United Bank |
0.63 EGP bn | 2.41 % |
| 20 |
Suez Canal Bank |
1.64 EGP bn | 2.27 % |
| 21 |
alBaraka Bank Egypt |
0.82 EGP bn | 2.19 % |
| 22 |
Attijariwafa Bank Egypt |
0.82 EGP bn | 2.04 % |
| 23 |
arab african international bank |
4.49 EGP bn | 1.8 % |
| 24 |
Arab Banking Corporation- ABC |
0.41 EGP bn | 1.74 % |
| 25 |
SAIB BANK |
0.22 EGP bn | 0.5 % |
