NBK-Egypt, The United Bank lead loan portfolio quality rankings at end-June 2026
NBK-Egypt retains top spot for the second consecutive quarter with a loan quality ratio of 99.35%
Average loan portfolio quality ratio across Egypt’s banking sector reaches 98.2%
Eight banks retain top 10 positions between June 2025 and June 2026
Five foreign banks secure top 10 positions among 12 foreign institutions covered
First Bank’s ranking of banks operating in Egypt by loan portfolio quality at end-June 2026 placed National Bank of Kuwait – Egypt (NBK-Egypt) at the top, with a loan quality ratio of 99.35 per cent.
The United Bank ranked second with a loan quality ratio of 99.09 per cent at end-June 2026, followed by Attijariwafa bank Egypt in third place at 98.98 per cent.
The ranking covered 25 banks operating in Egypt for which financial data were available during the period under review, based on their published standalone financial statements at end-June 2026.
The loan portfolio quality ratio measures the proportion of performing loans classified under Stages 1 and 2 relative to a bank’s total loan portfolio.
The indicator is a key measure of credit performance, reflecting the effectiveness of a bank’s credit risk assessment policies and asset management practices.
A higher ratio indicates that a greater proportion of the bank’s lending is extended to individuals and businesses with strong creditworthiness, contributing to financial soundness and reducing the risk of non-performing loans.
Conversely, a lower loan portfolio quality ratio may indicate weaknesses in credit assessment or challenges in loan recovery, potentially requiring a review of internal procedures and controls. Improving the ratio is therefore a strategic objective for banks seeking sustainable financial growth and stronger customer confidence.
The average loan portfolio quality ratio across Egypt’s banking sector reached approximately 98.2 per cent at end-June 2026, compared with 98.1 per cent at end-2025, with seven banks exceeding the average.
Eight banks retained their places among the top 10 compared with the previous ranking. Banque Misr entered the group in seventh place with a loan quality ratio of 98.34 per cent, while Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt) climbed from 12th at end-2025 to eighth at end-June 2026, recording a ratio of 97.93 per cent.
Arab African International Bank (AAIB) recorded the largest improvement in ranking position among the top 10, advancing from seventh to fourth as its loan portfolio quality ratio increased by 0.96 percentage points to 98.85 per cent. The United Bank also improved its position, climbing from fourth to second.
Outside the top 10, Alexbank advanced six places to 12th, supported by a 0.69 percentage-point improvement in its loan portfolio quality ratio.
By contrast, Crédit Agricole Egypt fell from first place at end-2025 to ninth at end-June 2026, after its loan portfolio quality ratio declined by 1.68 percentage points to 97.87 per cent.
Foreign banks accounted for half of the top 10 positions, represented by NBK-Egypt, Attijariwafa bank Egypt, Al Ahli Bank of Kuwait – Egypt (ABK-Egypt), ADIB-Egypt and Crédit Agricole Egypt.
All figures cited in this analysis are based on the published standalone financial statements of the respective banks at end-June 2026.
| Rank | Bank Name | Loan portfolio quality ratio at end-June 2026 (%) |
|---|---|---|
| 1 |  National Bank of Kuwait – Egypt | 99.35% |
| 2 |  The United Bank | 99.09% |
| 3 |  Attijariwafa bank Egypt | 98.98% |
| 4 |  Arab African International Bank | 98.85% |
| 5 |  Al Ahli Bank of Kuwait – Egypt | 98.54% |
| 6 |  Commercial International Bank (CIB) | 98.39% |
| 7 |  Banque Misr | 98.34% |
| 8 |  Abu Dhabi Islamic Bank – Egypt | 97.93% |
| 9 |  Credit Agricole Egypt | 97.87% |
| 10 |  BANK NXT | 97.55% |
| 11 |  Suez Canal Bank | 97.52% |
| 12 |  AlexBank | 97.04% |
| 13 |  EBank | 96.77% |
| 14 |  Kuwait Finance House – Egypt | 96.74% |
| 15 |  EGBANK | 96.72% |
| 16 |  Emirates NBD Egypt | 96.60% |
| 17 |  Faisal Islamic Bank of Egypt | 96.55% |
| 18 |  FABMISR | 96.16% |
| 19 |  QNB Egypt | 96.07% |
| 20 |  Banque du Caire | 95.97% |
| 21 |  Housing and Development Bank | 95.84% |
| 22 |  Abu Dhabi Commercial Bank – Egypt | 95.77% |
| 23 |  Al Baraka Bank Egypt | 95.53% |
| 24 |  Bank ABC | 93.91% |
| 25 |  saib | 92.67% |
