National Bank of Kuwait, Crédit Agricole, and Attijariwafa Bank ranked as the best banks in terms of financing portfolio quality at the end of March 2026.
Strong performance by the risk management team at NBK – Egypt drives the bank to the top of the ranking, rising from second place at the end of 2025
97.06% is the average financing portfolio quality ratio among 25 banks operating in the Egyptian banking sector at the end of March 2026
Five foreign banks ranked among the top ten out of 14 foreign banks included in the ranking
Nine banks maintained their positions among the top ten between 2025 and the end of March 2026, while ADIB-Egypt was the new entrant
First Bank’s ranking of the best-performing banks operating in the Egyptian banking sector in terms of financing portfolio quality at the end of March 2026 revealed that National Bank of Kuwait topped the list with a portfolio quality ratio of 99.87% as of the end of March 2026.
Crédit Agricole Egypt ranked second, with a financing portfolio quality ratio of 99.54% at the end of March 2026.
Attijariwafa Bank Egypt secured third place, with a financing portfolio quality ratio of 98.99% at the end of March 2026.
The ranking included 25 banks operating in the Egyptian banking sector for which financial data was available during the period under review, based on each bank’s separately issued financial statements as of the end of March 2026.
The financing portfolio quality ratio reflects the percentage of performing loans classified under Stage 1 and Stage 2 out of the bank’s total loan portfolio. It is considered one of the key indicators for evaluating credit performance, as it reflects the bank’s efficiency in implementing risk assessment policies and managing assets. A higher ratio indicates the bank’s ability to extend financing to individuals and institutions with strong creditworthiness, supporting financial stability indicators and reducing non-performing loan risks.
Conversely, a decline in the financing portfolio quality ratio indicates weaknesses in credit assessment processes or challenges in loan recovery monitoring, requiring a review of internal procedures and controls. Therefore, improving this ratio is considered a strategic objective for banks to ensure sustainable financial growth and strengthen customer confidence.
According to the ranking, the average financing portfolio quality ratio among the 25 banks operating in the Egyptian banking sector reached 97.06% at the end of March 2026.
Nine banks maintained their positions among the top ten: National Bank of Kuwait, Crédit Agricole, Attijariwafa Bank, The United Bank, Al Ahli Bank of Kuwait, Commercial International Bank (CIB), Arab African International Bank, Faisal Islamic Bank, and Bank NXT.
Meanwhile, Abu Dhabi Islamic Bank Egypt succeeded in joining the top ten after advancing from 12th place in the 2025 ranking to ninth place in the March 2026 ranking.
Foreign banks secured half of the top ten positions out of the 14 foreign banks included in the ranking. These banks were: National Bank of Kuwait, Crédit Agricole, Attijariwafa Bank, Al Ahli Bank of Kuwait – Egypt, and Abu Dhabi Islamic Bank.
It is worth noting that all figures mentioned in the above analysis are based on the separate financial statements announced by each bank as of the end of March 2026.
| Bank Name | Portfolio Quality |
|---|---|
| National Bank of Kuwait | 99.87% |
| Crédit Agricole | 99.54% |
| Attijariwafa Bank | 98.99% |
| The United Bank | 98.94% |
| Al Ahli Bank of Kuwait | 98.53% |
 Commercial International Bank (CIB) | 98.14% |
| Arab African International Bank | 98.04% |
 Faisal Islamic Bank | 97.79% |
| Abu Dhabi Islamic Bank | 97.61% |
 Bank NXT | 97.38% |
 Suez Canal Bank | 97.17% |
| Export Development Bank of Egypt | 96.92% |
| Egyptian Gulf Bank | 96.74% |
| Bank of Alexandria | 96.69% |
| Kuwait Finance House | 96.65% |
| First Abu Dhabi Bank | 96.63% |
 Emirates NBD | 96.37% |
| Abu Dhabi Commercial Bank | 96.09% |
 Banque du Caire | 95.67% |
| Qatar National Bank | 95.47% |
 Al Baraka Bank Egypt | 95.35% |
| Housing and Development Bank | 94.94% |
 saib | 93.78% |
| ABC Bank | 93.10% |
 HSBC Bank Egypt | 92.63% |
