HDB strengthens retail banking position with higher loans, deposits in H1 2026

Housing and Development Bank’s (HDB) retail banking business recorded strong growth in H1 2026, reflecting its firm commitment to excellence and meeting customers’ expectations amid an evolving economic environment.

In retail lending, this was reflected in the development of smart financing solutions tailored to customers’ changing needs, supported by advanced digital platforms that streamlined financing procedures, helping broaden financial inclusion and improve customer satisfaction.

According to the bank’s standalone financial statements, its retail loan portfolio rose by around 11.4 per cent in H1 2026 to EGP 36.69 billion at end-June 2026, compared with EGP 32.93 billion at end-2025.

The growth was supported by an increase in personal loans to EGP 20.44 billion at end-June 2026, from EGP 17.36 billion at end-2025, representing half-year growth of 17.7 per cent.

Mortgage loans increased by around 3.3 per cent in the first half of this year to EGP 14.89 billion at end-June 2026, compared with EGP 14.42 billion at end-2025.

Credit card balances rose to EGP 1.11 billion at end-June 2026, from EGP 765.35 million at end-2025, representing growth of 44.9 per cent, while retail overdrafts stood at EGP 244.13 million at end-June.

HDB’s retail segment accounted for around 45 per cent of the bank’s total loan portfolio, which increased to EGP 81.44 billion at end-June, from EGP 65.72 billion at end-2025, representing half-year growth of 23.9 per cent.

On deposits, the bank attracted retail deposits through a balanced range of offerings combining security, flexibility and competitive returns, strengthening customer confidence and the sustainability of fund inflows while supporting the bank’s stability and sustainable growth.

This was reflected in a roughly 9 per cent increase in retail deposits in H1 2026 to EGP 113.59 billion at end-June 2026, compared with EGP 104.25 billion at end-2025.

The retail segment accounted for around 56.2 per cent of the bank’s total deposit portfolio, after HDB’s customer deposits rose to EGP 202.21 billion at end-June 2026, compared with EGP 179.13 billion at end-2025.