AAIB, Suez Canal Bank and BANK NXT lead retail banking growth over 3 years
Arab African International Bank tops the ranking on standout retail banking growth over the past three years
Only four foreign banks rank among the top 10 out of 11 included in the ranking
Nineteen of the 26 banks outperform the 24.3% three-year average CAGR
Islamic banks secure strong representation, with three of four ranking among the top 10
Arab African International Bank (AAIB) topped First Bank’s ranking of the fastest-growing banks operating in Egypt by retail banking over the past three years, with its retail banking portfolio recording a compound annual growth rate (CAGR) of around 54 per cent.
The performance was driven by growth in retail deposits, which reached EGP 296.89bn at end-2025 after recording a CAGR of 59.7 per cent over the period under review, while the bank’s retail loans reached EGP 30.96bn, representing a CAGR of 22.2 per cent over the same period.
Suez Canal Bank ranked second after its retail banking portfolio recorded a CAGR of around 46.4 per cent over the past three years. Retail deposits rose to EGP 37.32bn at end-2025, representing a CAGR of 42.8 per cent over the period under review, while retail loans reached EGP 11.55bn, with a CAGR of 61.2 per cent over the same period.
BANK NXT ranked third after its retail banking portfolio recorded a CAGR of around 43 per cent over the past three years. Retail deposits rose to EGP 34.46bn at end-2025, representing a CAGR of 39.9 per cent over the period under review, while retail loans reached EGP 17.93bn, recording a CAGR of 49.7 per cent over the same period.
First Bank’s ranking tracked the development of the retail banking business at 26 banks operating in Egypt’s banking sector for which the necessary financial data were available over the past three years, from 2022 to 2025. The ranking showed that all banks recorded positive compound annual growth rates over the period.
The ranking was based on a composite index developed by First Bank to measure growth in banks’ retail loan and retail deposit portfolios.
At the sector level, the data showed that the first 19 banks among the 26 included in the ranking exceeded the 26-bank average CAGR of 24.3 per cent over the past three years, while the remaining banks recorded growth rates below the average over the same period.
Among the foreign banks included in the ranking, four of the 11 secured places among the 10 fastest-growing banks in retail banking over the past three years: Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt), Kuwait Finance House – Egypt (KFH-Egypt), Al Ahli Bank of Kuwait – Egypt (ABK-Egypt), and Al Baraka Bank Egypt.
The ranking also saw Egypt’s two largest state-owned banks absent from the leading positions, with Banque Misr ranking 20th and National Bank of Egypt (NBE) 23rd. However, they retained their positions as Egypt’s two largest banks in retail banking.
Among the Islamic banks included in the ranking, three of the four secured places among the 10 fastest-growing banks in retail banking over the past three years: Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt), Kuwait Finance House – Egypt (KFH-Egypt), and Al Baraka Bank Egypt. Faisal Islamic Bank of Egypt ranked last in the overall ranking.
All figures and growth rates cited in the above analysis are based on the standalone financial statements published by each bank.
| Ranking | Bank | Compound annual growth rate (CAGR) of retail banking (2022–2025) |
|---|---|---|
| 1 |  Arab African International Bank (AAIB) | 53.99% |
| 2 |  Suez Canal Bank | 46.43% |
| 3 |  Bank NXT | 42.98% |
| 4 |  Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt) | 42.04% |
| 5 |  Housing and Development Bank (HDB) | 41.50% |
| 6 |  Kuwait Finance House – Egypt (KFH-Egypt) | 40.81% |
| 7 |  Al Ahli Bank of Kuwait – Egypt (ABK-Egypt) | 35.07% |
| 8 |  Al Baraka Bank Egypt | 34.61% |
| 9 |  saib | 34.26% |
| 10 |  EG Bank | 32.99% |
| 11 |  National Bank of Kuwait – Egypt (NBK-Egypt) | 32.32% |
| 12 |  Emirates NBD Egypt | 32.25% |
| 13 |  Commercial International Bank – Egypt (CIB) | 32.06% |
| 14 |  Abu Dhabi Commercial Bank – Egypt (ADCB Egypt) | 31.15% |
| 15 |  Arab International Bank (AIB) | 25.78% |
| 16 |  Attijariwafa bank Egypt | 25.75% |
| 17 |  Export Development Bank of Egypt (EBank) | 25.72% |
| 18 |  The United Bank | 25.03% |
| 19 |  QNB Egypt | 24.75% |
| 20 |  Banque Misr | 23.70% |
| 21 |  HSBC Bank Egypt | 22.24% |
| 22 |  Banque du Caire | 21.94% |
| 23 | National Bank of Egypt (NBE) | 20.70% |
| 24 |  Credit Agricole Egypt | 18.63% |
| 25 |  ALEXBANK | 18.31% |
| 26 |  Faisal Islamic Bank of Egypt | 16.69% |
