FABMISR, Faisal Islamic and HDB lead leverage ratios in H1 2026
FABMISR tops the list of best-performing banks in leverage ratio in H1 2026, rising from third place at end-2025
Islamic banks are weakly represented, with only two of the four Islamic banks in the ranking making the top ten
Only nine banks kept their place in the top ten between 2025 and June 2026
FABMISR topped First Bank's ranking of banks operating in Egypt by leverage ratio at end-June 2026, rising from third place in the 2025 ranking to the top spot with a ratio of 16.71 per cent.
Faisal Islamic Bank of Egypt ranked second, up from fifth place in 2025, after its leverage ratio rose to 14.30 per cent in the first half of 2026, compared with 13.39 per cent at end-2025.
Housing and Development Bank (HDB) ranked third, up from seventh place in the 2025 ranking, after its leverage ratio rose to 13.41 per cent at end-June 2026, compared with 13.29 per cent at end of December 2025.
First Bank's ranking covered 23 banks operating in Egypt's banking sector for which the necessary financial data were available.
The leverage ratio is calculated as Tier 1 capital after deductions divided by total on- and off-balance-sheet assets, without risk weighting. Banks are required to disclose the ratio, along with its numerator and denominator components, in their financial statements.
The ranking showed relative stability at the top. Nine of the banks that led the 2025 ranking retained their places in the top 10 at end-June 2026, although their order changed.
In terms of ranking movements, FABMISR climbed from third place to first, followed by Faisal Islamic Bank of Egypt, which advanced from fifth to second. Housing and Development Bank (HDB) rose from seventh to third, Kuwait Finance House – Egypt (KFH-Egypt) moved from ninth to fourth, while Arab African International Bank (AAIB) advanced from eighth to fifth.
In contrast, the United Bank fell from second to ninth place, and Bank NXT dropped from fourth to seventh. Bank ABC Egypt kept its sixth-place position unchanged.
At end-June 2026, 20 of the 23 banks posted leverage ratios higher than the sector average of 7.8 percent, based on the latest figures released by the Central Bank of Egypt (CBE).
Among the four Islamic banks in the ranking, two secured places in the top 10: Faisal Islamic Bank of Egypt and KFH-Egypt.
All leverage ratios mentioned in the above analysis are based on the standalone financial statements published by each bank at end-June 2026.
| Rank | Bank Name | Leverage ratio (%) |
|---|---|---|
| 1 |  FABMISR | 14.37% |
| 2 |  Faisal Islamic Bank of Egypt | 14.30% |
| 3 |  Housing and Development Bank | 13.41% |
| 4 |  Kuwait Finance House – Egypt | 13.21% |
| 5 |  Arab African International Bank | 12.54% |
| 6 |  Bank ABC | 12.40% |
| 7 |  BANK NXT | 12.28% |
| 8 |  Al Ahli Bank of Kuwait – Egypt | 12.22% |
| 9 |  The United Bank | 12.14% |
| 10 |  Commercial International Bank (CIB) | 11.50% |
| 11 |  QNB Egypt | 10.84% |
| 12 |  AlexBank | 10.71% |
| 13 |  National Bank of Kuwait – Egypt | 10.53% |
| 14 |  Banque du Caire | 10.36% |
| 15 |  EBank | 10.23% |
| 16 |  saib | 10.07% |
| 17 |  Credit Agricole Egypt | 9.74% |
| 18 |  Al Baraka Bank Egypt | 9.59% |
| 19 |  Abu Dhabi Islamic Bank – Egypt | 9.08% |
| 20 |  Abu Dhabi Commercial Bank – Egypt | 8.57% |
| 21 |  Attijariwafa bank Egypt | 7.77% |
| 22 |  Suez Canal Bank | 6.57% |
| 23 |  Banque Misr | 5.13% |
