KFH-Egypt, NBK-Egypt and BANK NXT top loan-to-deposit ratios at end-June 2026

KFH-Egypt maintains its lead with a loan-to-deposit ratio above 80% at end-June 2026 and end-2025

Islamic banks show divergent loan-to-deposit ratios, with Faisal Islamic recording the lowest

Five banks retain their places among the top 10 at end-June 2026 and end-2025

Foreign banks secure six of the top 10 positions, out of 13 included in the ranking

Kuwait Finance House Bank – Egypt (KFH-Egypt) maintained its lead in First Bank’s ranking of banks operating in Egypt by loan-to-deposit ratio at end-June 2026, recording a ratio of 80.24 per cent.

The bank’s loan portfolio stood at EGP 120.31 bn, while customer deposits reached EGP 149.93 bn.

National Bank of Kuwait – Egypt (NBK-Egypt) ranked second, with a loan-to-deposit ratio of 72.17 per cent. Its customer loan portfolio reached EGP 148.52 bn, while customer deposits totalled EGP 205.78 bn at end-June 2026.

BANK NXT ranked third, with a loan-to-deposit ratio of 65.40 per cent. Its customer loans stood at EGP 61.46 bn, while deposits reached EGP 93.98 bn at end-June 2026.

The ranking covered 27 banks for which data were available. Only two banks recorded loan-to-deposit ratios above the sector average of 68.9 per cent, while the remaining 25 posted ratios below the average at end-June 2026.

The data also showed considerable variation in loan-to-deposit ratios among the Islamic banks included in the ranking. KFH-Egypt topped the list at 80.24 per cent, followed by Al Baraka Bank Egypt in fourth place at 65.21 per cent.

Abu Dhabi Islamic Bank – Egypt (ADIB Egypt) ranked seventh, with a ratio of 59.59 per cent.

At the other end of the ranking, Faisal Islamic Bank of Egypt recorded the lowest loan-to-deposit ratio among the banks analysed, at 10.45 per cent at end-June 2026.

Foreign banks secured six positions among the top 10 banks by loan-to-deposit ratio at end-June 2026, out of 13 foreign banks included in the ranking. These were KFH-Egypt, NBK-Egypt, Al Baraka Bank Egypt, Attijariwafa Bank Egypt, ADIB Egypt, Emirates NBD Egypt and FABMISR.

Meanwhile, KFH-Egypt, NBK-Egypt, BANK NXT, Export Development Bank of Egypt (EBank) and Suez Canal Bank maintained their positions.

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

Rank	Bank Name	Customer loans at end-June 2026 (EGP billion)	Deposits at end-June 2026 (EGP billion)	Loan-to-deposit ratio at end-June 2026 (%)
1	Kuwait Finance House – Egypt	120.31	149.93	80.24%
2	National Bank of Kuwait – Egypt	148.52	205.78	72.17%
3	BANK NXT	61.46	93.98	65.40%
4	Al Baraka Bank Egypt	83.13	127.48	65.21%
5	EBank	97.33	160.62	60.59%
6	Attijariwafa bank Egypt	80.49	134.21	59.97%
7	Abu Dhabi Islamic Bank – Egypt	198.23	332.67	59.59%
8	saib	87.30	147.05	59.37%
9	Emirates NBD Egypt	114.01	192.04	59.36%
10	Suez Canal Bank	140.74	238.93	58.91%
11	Banque du Caire	253.12	440.42	57.47%
12	EGBANK	69.51	121.22	57.35%
13	Credit Agricole Egypt	72.43	126.38	57.31%
14	QNB Egypt	518.91	910.37	57.00%
15	Bank ABC	43.98	77.52	56.73%
16	FABMISR	167.10	298.50	55.98%
17	Banque Misr	1,666.42	3,020.24	55.18%
18	Al Ahli Bank of Kuwait – Egypt	88.58	161.56	54.82%
19	The United Bank	49.63	91.58	54.19%
20	Abu Dhabi Commercial Bank – Egypt	82.69	153.61	53.83%
21	Commercial International Bank (CIB)	631.34	1,303.79	48.42%
22	Agricultural Bank of Egypt	96.37	221.19	43.57%
23	AlexBank	92.69	212.93	43.53%
24	Housing and Development Bank	81.44	202.21	40.28%
25	Arab African International Bank	287.50	739.98	38.85%
26	HSBC	61.95	275.29	22.51%
27	Faisal Islamic Bank of Egypt	22.02	210.81	10.45%