EBank strengthens solvency, leverage ratios in H1 2026

Export Development Bank of Egypt’s (EBank) standalone financial statements for the period ended 30 June 2026 showed that the bank’s capital adequacy ratio increased to 17.70 per cent at end-June 2026, from 17.17 per cent at end-2025.

The capital adequacy ratio measures the bank’s capital components relative to its risk-weighted assets and contingent liabilities, reflecting the relationship between its capital base and the risks associated with its assets and other operations.

It is also a measure of the bank’s solvency, or its ability to meet its obligations and absorb potential future losses, with the aim of protecting the bank, depositors and other creditors.

EBank’s leverage ratio rises to 10.23% at end-June 2026

The bank’s leverage ratio increased to 10.23 per cent at end-June 2026, from 9.47 per cent at end-2025.

The leverage ratio reflects the relationship between Tier 1 capital used in the capital adequacy ratio, after deductions, and the bank’s on- and off-balance-sheet other assets without applying risk weights.

The leverage ratio is calculated by dividing Tier 1 capital after deductions by total assets on- and off-balance-sheet without applying risk weights.

The stronger leverage ratio came as total Tier 1 capital increased by 16.6 per cent to EGP 25.90 billion at end-June 2026, from EGP 22.21 billion at end-2025.

The increase in Tier 1 capital was supported by a 32.4 per cent rise in issued and paid-up capital to EGP 18 billion at end-June 2026, from EGP 13.60 billion at end-2025.

Meanwhile, total on- and off-balance-sheet exposures increased to EGP 253.28 billion at end-June 2026, from EGP 234.61 billion at end-2025.