HDB, ADIB-Egypt and CIB lead EGX-listed banks by ROAE in H1 2026
HDB retains the lead, reflecting its strong efficiency in deploying shareholders’ funds to generate net profit
Housing and Development Bank (HDB) topped First Bank’s ranking of the most efficient Egyptian Exchange (EGX)-listed banks in generating returns on shareholders’ funds, measured by Return on Average Equity (ROAE), in the first half of 2026, recording a rate of 50.55 per cent, supported by net profit of EGP 9.92 bn.
The bank retained the lead after also topping the same ranking in the corresponding period of 2025, underscoring its strong ability to deploy shareholders’ equity to generate appropriate levels of profit.
Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt) ranked second, with a Return on Average Equity of 38.58 per cent, after recording net profit of EGP 7.34bn in the first half of 2026.
Commercial International Bank – Egypt (CIB) ranked third, with a ROAE of 33.62 per cent, supported by net profit of EGP 39.24 bn in the first half of 2026.
The ranking included all 12 banks listed on the EGX, all of which recorded positive ROAE, reflecting their success in generating net profits at varying levels, with none reporting losses during the first half of 2026.
Return on Average Equity (ROAE) measures banks’ ability to deploy shareholders’ equity to generate appropriate levels of profit during the period under review. The higher the return, the greater the bank’s efficiency in using its equity to generate suitable levels of profit.
Meanwhile, the data showed complete stability in the competition at the top of First Bank’s ranking of the best EGX-listed banks by ROAE in the first half of 2026, with the five leading banks retaining the same positions, with no notable changes compared with the corresponding period of the previous year.
All values and growth rates mentioned in the analysis above are based on the standalone financial statements published by each bank at end-March 2026.
| Rank | Bank Name | Net Profit in H1 2026 (EGP million) | Return on Average Equity |
|---|---|---|---|
| 1 |  Housing and Development Bank | 9,924 | 50.55% |
| 2 |  Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt) | 7,340 | 38.58% |
| 3 |  Commercial International Bank – Egypt (CIB) | 39,235 | 33.62% |
| 4 |  Suez Canal Bank | 3,629 | 33.42% |
| 5 |  Credit Agricole Egypt | 3,608 | 31.46% |
| 6 |  EGBANK | 2,209 | 31.37% |
| 7 |  QNB Egypt | 17,789 | 30.33% |
| 8 |  Export Development Bank of Egypt (EBank) | 3,751 | 29.44% |
| 9 |  Al Baraka Bank Egypt | 1,852 | 23.24% |
| 10 |  Faisal Islamic Bank of Egypt | 3,878 | 18.10% |
| 11 |  The United Bank | 1,313 | 14.87% |
| 12 |  saib | 459 | 4.74% |
