HDB, HSBC and Alexbank lead return on average assets in H1 2026

HDB leads return on average assets for a sixth consecutive ranking, reflecting strong asset efficiency and profitability

Eight banks retain their places among the top 10 in H1 2025 and H1 2026

Sixteen banks outperform the sector’s 2.6% return on average assets in H1 2026

Housing and Development Bank (HDB) topped First Bank’s ranking of banks operating in Egypt by return on average assets (ROAA) in the first half of 2026, recording a ratio of 8.16 per cent, supported by net profit of EGP 9.92bn during the period.

HSBC ranked second, with return on average assets of 6.97 per cent after recording net profit of EGP 12.36bn in H1 2026.

Alexbank came third, with return on average assets of 5.86 per cent, supported by net profit of EGP 7.54bn during the first half of 2026.

The ranking covered 25 banks operating in Egypt, all of which recorded positive returns on average assets, as each remained profitable during the first half of 2026.

Return on average assets measures a bank’s efficiency in using its asset base to generate net profit during the period under review. A higher ratio indicates greater efficiency in generating returns from assets.

The data showed that eight banks retained their positions among the top 10 by return on average assets in both H1 2025 and H1 2026: HDB, HSBC, Alexbank, Commercial International Bank – Egypt (CIB), Crédit Agricole Egypt, Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt), FABMISR and National Bank of Kuwait – Egypt (NBK-Egypt).

By contrast, two banks entered the top 10. QNB Egypt climbed to seventh place from 12th in the H1 2025 ranking.

Export Development Bank of Egypt (EBank) also advanced to ninth place from 15th in H1 2025.

Islamic banks secured one position among the top 10, with ADIB-Egypt ranking sixth.

At the sector level, 16 banks recorded return on average assets above the 2.6 per cent sector average in H1 2026, while nine posted ratios below the average.

All figures and ratios cited in the analysis are based on the standalone financial statements published by each bank at end-June 2026.

Rank	Bank Name	Net profit in H1 2026 (EGP billion)	Return on average assets (%)
1	Housing and Development Bank	9.92	8.16%
2	HSBC	12.36	6.97%
3	AlexBank	7.54	5.86%
4	Commercial International Bank (CIB)	39.24	5.03%
5	Credit Agricole Egypt	3.61	4.74%
6	Abu Dhabi Islamic Bank – Egypt	7.34	3.88%
7	QNB Egypt	17.79	3.60%
8	FABMISR	7.90	3.50%
9	EBank	3.75	3.49%
10	National Bank of Kuwait – Egypt	4.22	3.41%
11	Al Ahli Bank of Kuwait – Egypt	3.13	3.34%
12	Banque du Caire	8.59	3.17%
13	EGBANK	2.21	2.98%
14	Faisal Islamic Bank of Egypt	3.88	2.91%
15	Emirates NBD Egypt	3.31	2.91%
16	BANK NXT	1.51	2.77%
17	Suez Canal Bank	3.63	2.52%
18	Al Baraka Bank Egypt	1.85	2.49%
19	The United Bank	1.31	2.42%
20	Kuwait Finance House – Egypt	2.11	2.36%
21	Abu Dhabi Commercial Bank – Egypt	2.05	2.32%
22	Arab African International Bank	10.25	2.06%
23	Attijariwafa bank Egypt	1.48	1.89%
24	Bank ABC	0.73	1.58%
25	saib	0.46	0.53%