Corporate Indicator: Corporates drive over 75% of ADIB Egypt’s deposit, loan growth

The corporate segment at Abu Dhabi Islamic Bank – Egypt (ADIB Egypt) is no longer simply the largest component of its loan portfolio, but has become a key driver of the bank’s business expansion in H1 2026.

The segment accounted for most of the new growth in both deposits and loans, while also increasing its weight within the asset structure. H1 2026 data show that the corporate segment expanded faster than the bank as a whole across both deposits and loans, strengthening its role in shaping the balance sheet.

Corporate deposits rose to EGP 184.13 billion at end-June 2026 from EGP 143.29 billion at end-2025, an increase of EGP 40.84 billion and growth of 28.5 per cent. Corporate loans increased to EGP 139.20 billion from EGP 105.60 billion over the same period, up EGP 33.60 billion or 31.8 per cent.

By comparison, total customer deposits rose 19.5 per cent to EGP 332.09 billion at end-June 2026, while total loans increased 28 per cent to EGP 197.92 billion. Corporate business therefore grew faster than the bank overall in both deposits and loans.

The significance of this expansion becomes clearer when measured by the corporate segment’s contribution to new growth rather than simply by the size of its balances. Total deposits increased by about EGP 54.23 billion during the period, of which corporate deposits accounted for EGP 40.84 billion, equivalent to 75.3 per cent of the increase.

On the lending side, the total increase amounted to EGP 43.25 billion, with the corporate segment contributing about EGP 33.60 billion, or 77.7 per cent. These figures show that the corporate segment was the main driver of new business growth in H1 2026, rather than simply the largest segment by existing balances.

This growth also reshaped the balance sheet, as corporate loans increased to 70.3 per cent of total customer loans at end-June 2026 from 68.3 per cent at end-2025, while corporate loans as a share of total assets rose to 33.6 per cent from 30.5 per cent over the same period. With corporate loans growing 31.8 per cent compared with 19.5 per cent growth in total assets, the relative weight of corporate activity within the balance sheet increased faster than the asset base itself.

The shift was not limited to loans. Corporate deposits grew 28.5 per cent during the period, outpacing the 19.5 per cent increase in total customer deposits and raising the segment’s share of the bank’s deposit base.

Corporate business therefore expanded faster than the bank across both deposits and loans, while simultaneously increasing its share of the loan portfolio and asset structure.

This points to an important shift in the nature of ADIB Egypt’s growth in H1 2026. The corporate segment was no longer simply the largest component of the loan portfolio, but became the largest contributor to new growth and expanded faster than the bank’s overall business, while increasing its weight across deposits, loans and assets.

ADIB Egypt’s H1 2026 growth therefore cannot be assessed without examining the corporate segment. Its expansion became a key factor in determining both the direction and composition of balance-sheet growth, combining three developments: faster growth than the bank overall, a contribution of more than three-quarters of the new increase in deposits and loans, and a higher share of both the loan portfolio and total assets.