«HSBC», «Crédit Agricole» and «Alexandria» Lead the Best Foreign Banks in Return on Average Assets Over the Past Five Years
First Bank
«HSBC» Leads Foreign Banks with the Highest Return on Average Assets, Reflecting Strong Asset Utilization and Profitability
Gulf banks secured two positions among the top 5 foreign banks in Return on Average Assets, out of 8 Gulf banks included in the ranking
All foreign banks included in the ranking outperformed the Egyptian banking sector's average ROAA of 1.92% over the past 5 years
First Bank's ranking of the Return on Average Assets of foreign banks operating in the Egyptian banking sector over the past 5 years revealed «HSBC» Egypt as the top performer, with a five-year average ROAA of 4.84%. The bank recorded a ROAA of 6.44% in 2025, 7.88% in 2024, 5.70% in 2023, 3.49% in 2022 and 0.68% in 2021.
«Crédit Agricole» ranked second, posting a five-year average ROAA of 4.39%. The bank recorded a ROAA of 5.10% in 2025, 6.88% in 2024, 5.68% in 2023, 3.57% in 2022, and 0.71% in 2021.
Bank of Alexandria secured third place with a five-year average ROAA of 3.56%, supported by a ROAA of 6.04% in 2025, 5.43% in 2024, 3.39% in 2023, 2.30% in 2022, and 0.63% in 2021.
The First Bank ranking tracked the Return on Average Assets of 12 foreign banks operating in Egypt for which financial statements were available over the past five years, covering 2021 through 2025.
ROAA measures how efficiently a bank utilizes its assets to generate net profit. A higher ratio indicates greater efficiency in deploying assets and generating sustainable profitability.
Gulf-owned banks secured two positions among the top five, out of eight Gulf banks included in the ranking. «NBK» ranked fourth, while «ABK» came fifth.
The ranking also showed that all foreign banks included outperformed the Egyptian banking sector's average ROAA of 1.92% over the past 5 years, highlighting their strong asset utilization and profitability.
All figures and ratios cited above are based on the standalone financial statements announced by each bank.
| Year Average Return on Average Assets Over Five Years | Return on Average Assets in 2021 | Return on Average Assets in 2022 | Return on Average Assets in 2023 | Return on Average Assets in 2024 | Return on Average Assets in 2025 | Bank Name |
|---|---|---|---|---|---|---|
| 4.84% | 0.6835% | 3.49% | 5.70% | 7.88% | 6.44% |  HSBC |
| 4.39% | 0.7111% | 3.57% | 5.68% | 6.88% | 5.10% | Crédit Agricole Egypt |
| 3.56% | 0.6332% | 2.30% | 3.39% | 5.43% | 6.04% |  Bank of Alexandria-Alex Bank |
| 2.96% | 0.4253% | 2.54% | 3.24% | 5.55% | 3.06% |  Al Ahli Bank of Kuwait Egypt -ABK Egypt |
| 2.85% | 0.5151% | 2.00% | 3.41% | 4.46% | 3.85% |  NBK Egypt |
| 2.80% | 0.4253% | 2.07% | 3.25% | 4.21% | 4.05% |  Abu Dhabi Islamic Bank-ADIB Egypt |
| 2.67% | 0.4787% | 2.68% | 3.33% | 4.26% | 2.59% | Kuwait Finance House Bank Egypt |
| 2.58% | 0.5825% | 2.44% | 2.87% | 3.61% | 3.38% |  Qatar National Bank-QNB |
| 2.33% | 0.4296% | 1.58% | 2.22% | 3.68% | 3.72% |  Abu Dhabi Commercial Bank Egypt- ADCB |
| 2.24% | 0.0678% | 1.29% | 2.82% | 3.70% | 3.32% |  Emirates NBD Egypt |
| 2.17% | 0.3120% | 1.92% | 2.67% | 3.45% | 2.51% | Attijariwafa Bank Egypt |
| 2.08% | 0.3586% | 2.07% | 2.37% | 2.64% | 2.94% |  Al Baraka Bank Egypt |
