EGBANK, NBK-Egypt lead resource deployment ratio at end-June 2026
EGBANK tops First Bank’s resource deployment index at 95.93%, with NBK-Egypt trailing by just 0.04 percentage points
11 banks exceed the average resource deployment ratio of 82.01% among 26 banks at end-June 2026
Islamic banks secure three top 10 positions out of four institutions covered by the ranking
First Bank’s index of banks operating in Egypt by resource deployment ratio at end-June 2026 placed Egyptian Gulf Bank (EGBANK) at the top with a ratio of 95.93 per cent, narrowly ahead of National Bank of Kuwait – Egypt (NBK-Egypt), which ranked second at 95.89 per cent.
Al Baraka Bank Egypt secured third place with a ratio of 91.86 per cent.
Developed by First Bank’s Research Centre, the index measures the proportion of traditional resources (customer deposits and shareholders’ equity) deployed into customer loans and financial investments.
It covers 26 banks operating in Egypt for which the necessary financial data were available at end-June 2026.
EGBANK deployed approximately EGP 130.32bn of its traditional resources into customer loans and financial investments, against total resources of EGP 135.84bn at end-June 2026, reflecting the bank’s ability to allocate the majority of its available resources to lending and investment activities.
NBK-Egypt followed closely in second place with a resource deployment ratio of 95.89 per cent. Its combined customer loan and financial investment portfolios reached approximately EGP 229.05bn, against total traditional resources of EGP 238.86bn at the same date.
The competition between the two banks was exceptionally close, with just 0.04 percentage points separating their deployment ratios, despite NBK-Egypt holding EGP 98.73bn more in deployed resources in absolute terms.
Al Baraka Bank Egypt secured third place with a resource deployment ratio of 91.86 per cent, having allocated approximately EGP 131.99bn to customer loans and financial investments, out of total traditional resources of EGP 143.69bn at end-June 2026.
Across the ranking, only 11 banks exceeded the average resource deployment ratio of 82.01 per cent among the 26 institutions reviewed, highlighting differences in the deployment of traditional resources across Egypt’s banking sector.
Islamic banks also maintained a strong presence among the top 10, securing three positions out of the four Islamic institutions included in the ranking.
Al Baraka Bank Egypt placed third, followed by Kuwait Finance House – Egypt (KFH-Egypt) in fifth, while Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt) ranked ninth with a resource deployment ratio of 84.60 per cent.
Their representation reflects relatively high levels of resource deployment among several Islamic banks compared with the overall ranking average, although deployment ratios varied according to each institution’s funding structure and financing and investment portfolios.
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 | Customer loans + financial investments at end-June 2026 (EGP billion) | Customer deposits + shareholders’ equity at end-June 2026 (EGP billion) | Resource deployment ratio at end-June 2026 (%) |
|---|---|---|---|---|
| 1 |  EGBANK | 130.32 | 135.84 | 95.93% |
| 2 |  National Bank of Kuwait – Egypt | 229.05 | 238.86 | 95.89% |
| 3 |  Al Baraka Bank Egypt | 131.99 | 143.69 | 91.86% |
| 4 |  EBank | 171.04 | 187.53 | 91.21% |
| 5 |  Kuwait Finance House – Egypt | 155.87 | 173.21 | 89.99% |
| 6 |  Emirates NBD Egypt | 195.26 | 217.12 | 89.93% |
| 7 |  FABMISR | 313.56 | 368.08 | 85.19% |
| 8 |  Banque du Caire | 428.72 | 505.65 | 84.78% |
| 9 |  Abu Dhabi Islamic Bank – Egypt | 317.35 | 375.11 | 84.60% |
| 10 |  Housing and Development Bank | 204.27 | 243.19 | 84.00% |
| 11 |  QNB Egypt | 849.24 | 1,032.45 | 82.25% |
| 12 |  Credit Agricole Egypt | 100.63 | 148.68 | 67.68% |
| 13 |  The United Bank | 89.07 | 109.21 | 81.56% |
| 14 |  BANK NXT | 89.97 | 110.33 | 81.55% |
| 15 |  Attijariwafa bank Egypt | 120.65 | 148.56 | 81.21% |
| 16 |  Commercial International Bank (CIB) | 1,247.58 | 1,540.59 | 80.98% |
| 17 |  Suez Canal Bank | 212.04 | 262.09 | 80.90% |
| 18 |  AlexBank | 195.22 | 245.85 | 79.40% |
| 19 |  Abu Dhabi Commercial Bank – Egypt | 135.67 | 172.51 | 78.64% |
| 20 |  Banque Misr | 2,732.68 | 3,483.19 | 78.45% |
| 21 |  saib | 130.55 | 166.49 | 78.41% |
| 22 |  Bank ABC | 69.54 | 90.25 | 77.06% |
| 23 |  Al Ahli Bank of Kuwait – Egypt | 143.24 | 187.37 | 76.44% |
| 24 |  Arab African International Bank | 649.40 | 889.82 | 72.98% |
| 25 |  Faisal Islamic Bank of Egypt | 181.43 | 254.87 | 71.18% |
| 26 |  HSBC | 232.39 | 330.60 | 70.29% |
