Faisal Islamic Bank, Attijariwafa lead retail loan quality ranking at end-June 2026
Retail banking risk team drives Faisal Islamic Bank to top retail loan quality ranking
Faisal Bank’s ratio was 1.45 percentage points above the 98.14% average across 23 banks
Foreign banks took six of the top 10 places among the 12 covered
Islamic banks took two places among the four covered
Faisal Islamic Bank of Egypt topped First Bank’s ranking of banks operating in Egypt by retail loan portfolio quality at end-June 2026, recording a ratio of 99.59 per cent.
Attijariwafa bank Egypt in second place, with a retail loan portfolio quality ratio of 99.32 per cent at the end of June 2026.
First Abu Dhabi Bank Misr (FABMISR) took third place, with a retail loan portfolio quality ratio of 99.28 per cent at the end of last June.
The list included 23 banks operating in Egypt’s banking sector whose financial data were available for the period under analysis, based on each bank’s published standalone financial statements at the end of June 2026.
The retail loan portfolio quality ratio expresses the proportion of good loans in Stages one and two out of the bank’s total retail loans.
It is considered one of the most important criteria for assessing credit performance, as it reflects how efficiently the bank applies its risk assessment and asset management policies.
A higher ratio indicates a greater proportion of lending to creditworthy individuals, strengthening the bank’s financial soundness and reducing the risk of non-performing loans.
Conversely, a low retail loan portfolio quality ratio points to weak assessment processes or problems in following up on loan recovery, which calls for a review of internal procedures and controls.
Accordingly, improving the ratio is considered a strategic goal for banks to ensure sustainable financial growth and strengthen customer confidence.
The average retail loan portfolio quality across the 23 banks stood at about 98.14 per cent, with 14 banks above the average. This is roughly 1.5 percentage points higher than the average quality of the corporate loan portfolio, which stood at 96.67 per cent.
Foreign banks secured 6 of the top ten places: Attijariwafa Bank Egypt, FABMISR, Emirates NBD, National Bank of Kuwait (NBK-Egypt), Abu Dhabi Islamic Bank-Egypt (ADIB Egypt), and Ahli Bank of Kuwait – Egypt (ABK-Egypt).
As for Islamic banks, they took two places in the top ten: Faisal Islamic Bank, which ranked first, andADIB, which ranked sixth.
All figures mentioned in the analysis above are based on each bank’s published standalone financial statements at the end of June 2026.
| Rank | Bank Name | Retail loan portfolio quality ratio (%) |
|---|---|---|
| 1 |  Faisal Islamic Bank of Egypt | 99.59% |
| 2 |  Attijariwafa bank Egypt | 99.32% |
| 3 |  FABMISR | 99.28% |
| 4 |  Emirates NBD Egypt | 99.21% |
| 5 |  National Bank of Kuwait – Egypt | 99.18% |
| 6 |  Abu Dhabi Islamic Bank – Egypt | 98.98% |
| 7 |  Al Ahli Bank of Kuwait – Egypt | 98.92% |
| 8 |  Commercial International Bank (CIB) | 98.91% |
| 9 |  BANK NXT | 98.73% |
| 10 |  The United Bank | 98.69% |
| 11 |  Arab African International Bank | 98.64% |
| 12 |  Al Baraka Bank Egypt | 98.62% |
| 13 |  QNB Egypt | 98.57% |
| 14 |  AlexBank | 98.43% |
| 15 |  EBank | 98.14% |
| 16 |  Credit Agricole Egypt | 97.82% |
| 17 |  Abu Dhabi Commercial Bank – Egypt | 97.69% |
| 18 |  Housing and Development Bank | 97.08% |
| 19 |  Suez Canal Bank | 96.94% |
| 20 |  EGBANK | 96.68% |
| 21 |  Banque du Caire | 96.33% |
| 22 |  Kuwait Finance House – Egypt | 96.16% |
| 23 |  saib | 95.43% |
