Corporates drive over three-quarters of ADIB-Egypt’s deposit, financing growth

Edited & Translated by Aya Elsayed

The corporate segment at Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt) has evolved beyond its position as the largest component of the financing portfolio to become a key driver of the bank’s expansion.

In the first half of 2026, the corporate segment drove most of the increase in both deposits and financing, while expanding its share of the bank’s asset base. Its growth outpaced the bank overall on both fronts, reinforcing its influence on the balance-sheet composition.

Corporate deposits rose from EGP 143.29bn at end-2025 to EGP 184.13bn at end-June 2026, an increase of EGP 40.84bn, or 28.5 per cent. Corporate financing increased from EGP 105.60bn to EGP 139.20bn over the same period, a rise of EGP 33.60bn, or 31.8 per cent.

By comparison, the bank’s total deposits rose 19.5 per cent to EGP 332.09bn, while total financing increased 28 per cent to EGP 197.92bn at end-June 2026. The corporate segment therefore outpaced the bank’s overall growth in both financing and deposits.

The significance of this expansion becomes clearer when measuring the corporate segment’s contribution to the increase, rather than focusing solely on the size of its balances. The bank’s total deposits increased by EGP 54.23bn over the period, with corporate deposits accounting for EGP 40.84bn, or 75.3 per cent of the increase.

On the financing side, the overall increase amounted to EGP 43.25bn, with corporate financing contributing EGP 33.60bn, or 77.7 per cent. These shares confirm that the corporate segment was the largest driver of new business growth at the bank in H1 2026, rather than merely the segment retaining the largest share of existing balances.

This growth was reflected in the balance-sheet composition, as corporate financing’s share of total customer financing rose to 70.3 per cent at end-June 2026, from 68.3 per cent at end-2025.

Corporate financing as a share of the bank’s assets also increased to 33.6 per cent from 30.5 per cent over the period. With corporate financing growing 31.8 per cent, compared with 19.5 per cent growth in assets, the relative weight of corporate activity within the balance sheet increased faster than the asset base itself expanded.

This shift was not limited to financing. Corporate deposits rose 28.5 per cent over the period, compared with 19.5 per cent growth in the bank’s total deposits, also increasing the segment’s weight within the deposit base.

The corporate segment therefore grew faster than the bank across both deposits and financing, while simultaneously increasing its share of the financing portfolio and asset structure.

This marks a significant shift in ADIB-Egypt’s growth profile in H1 2026. Already the largest component of the financing portfolio, the corporate segment has become the leading contributor to growth, expanding faster than the bank overall and increasing its share of deposits, financing and assets.

The segment is therefore central to assessing the bank’s H1 2026 performance and the changing composition of its balance sheet.

Three indicators underpin its growing importance: expansion above the bank’s overall pace, a contribution exceeding three-quarters of the increase in both deposits and financing, and a larger share of financing and assets.