EBank climbs four places in personal loans as retail banking drives growth

EBank’s retail banking team delivered strong growth in personal loans during the first half of 2026, supported by a strategy focused on expanding its retail customer base, financing a broader range of needs and diversifying the products and lending solutions offered.  

This supported portfolio growth and strengthened retail banking’s role as a key driver of the bank’s lending activity. 

These efforts drove a 30.1 per cent increase in personal loans during the first half of 2026, taking the portfolio to EGP 15.09bn at end-June, from EGP 11.59bn at end-2025.  

The retail banking team also strengthened EBank’s position in the personal loans market, with the portfolio’s strong growth lifting the bank from 21st place at end-2025 to 17th at end-June 2026. 

The performance also increased the share of personal loans within EBank’s retail loan portfolio to 86.1 per cent at end-June 2026, from 83.9 per cent at end-2025, underscoring the segment’s growing contribution to retail credit growth.  

Ebank’s broader retail loan portfolio also recorded strong growth during the first half of the year, rising 26.8 per cent to EGP 17.52bn at end-June 2026, from EGP 13.81bn at end-2025, reflecting the bank’s expanding customer base and stronger presence in the retail banking market.  

These indicators highlight the retail banking team’s success in establishing personal loans as a key driver of EBank’s retail portfolio growth, supported by customer acquisition and the development of financing solutions.  

This strengthened the bank’s presence in retail banking and supports more diversified and sustainable growth in the coming periods. 

Overall, Export Development Bank of Egypt (EBank) delivered strong financial performance during the first half of 2026, with net profit rising 43.9 per cent to EGP 3.75bn, from EGP 2.61bn in the corresponding period of 2025. 

Net interest income increased 10.5 per cent to EGP 5.26bn in H1 2026, from EGP 4.73bn a year earlier. 

Net fee and commission income rose 1.1 per cent to EGP 767.01mn, compared with EGP 758.68mn in the first half of 2025. 

Customer loans increased 12.2 per cent during the first half of the year to EGP 97.33bn at end-June 2026, from EGP 86.75bn at end-2025, an increase of EGP 10.58bn.