Agricultural Bank of Egypt, EGBANK lead banks ranked by highest retail loan share

Agricultural Bank of Egypt tops the ranking with a retail loan concentration ratio of 54.25%

Retail loans account for 14.39% of total loans across 28 banks at end-June 2026

Three foreign banks rank among the most focused on retail lending out of 13 foreign banks covered

The First Bank ranking of the banks with the highest concentration in retail loans at the end of June 2026 revealed that Agricultural Bank of Egypt topped the list, with a concentration ratio of 54.25 per cent.

The bank's retail loan portfolio reached EGP 52.29 bn at the end of June 2026, representing 54.25 per cent of its total customer loans, which stood at EGP 96.37 bn during the same period.

EGBANK ranked second, with a concentration ratio of 50.08 per cent, as its retail loan portfolio reached EGP 34.82 bn at the end of June 2026, out of total customer loans of EGP 69.51 bn.

HD Bank secured third place, as its retail loan portfolio reached EGP 36.69 bn, accounting for 45.05 per cent of its total customer loans, which stood at EGP 81.44 bn at the end of June 2026.

The ranking highlights the lending strategies of 28 banks operating in the Egyptian banking sector for which financial data was available during the period under review, focusing specifically on retail loans and their share of total customer loans.

The ranking is based on the ratio of retail loans to total customer loans, providing an indicator of the extent to which each bank's loan portfolio is concentrated in retail lending, according to the standalone financial statements announced by each bank.

The ranking revealed that retail loans accounted for more than half of total customer loans at only two banks, while corporates loans represented the larger share of lending portfolios at the remaining 26 banks.

Total retail loans across the 28 banks reached EGP 1.58 tn, out of total customer loans amounting to EGP 10.96 tn, bringing the contribution of retail loans to 14.39 per cent.

At the level of the three largest state-owned banks, combined retail loans at the National Bank of Egypt, Banque Misr and Banque du Caire reached EGP 801.28 bn, representing 10.7 per cent of their total loans.

Meanwhile, the ranking revealed similarities in the lending structures of UAE and Kuwaiti banks operating in Egypt, with retail loans accounting for average shares of 22.58 per cent and 20.22 per cent, respectively, at the end of June 2026.

Regarding retail loan portfolio quality, the average ratio among the top 10 banks with the highest concentration in retail lending reached 97.87 per cent, compared to 98.29 per cent across the remaining 18 banks, a difference of 0.42 percentage points in favour of the latter group.

This comparison indicates that a higher concentration in retail loans does not necessarily translate into better portfolio quality, as the less concentrated group recorded a slightly higher average, while both groups maintained relatively high quality levels.

The average portfolio quality ratio across all 28 banks stood at 98.14 per cent, highlighting the relatively strong quality of retail loan portfolios across the banking sector at the end of June 2026.

It is worth noting that all figures mentioned in this analysis are based on the standalone financial statements announced by each bank as of the end of June 2026.

Rank	Bank name	Retail loans at end of June 2026 (EGP bn)	Total customer loans at end of June 2026 (EGP bn)	Concentration ratio (Retail loans / Total customer loans)
1	Agricultural Bank of Egypt	52.29	96.37	54.25%
2	EGBANK	34.82	69.51	50.08%
3	Housing & Development Bank (HD Bank)	36.69	81.44	45.05%
4	AlexBank	41.49	92.69	44.76%
5	Banque du Caire	106.92	253.12	42.24%
6	BANK NXT	23.19	61.46	37.73%
7	saib	31.09	87.3	35.62%
8	HSBC Egypt	19.47	61.95	31.42%
9	ABK-Egypt	26.12	88.58	29.48%
10	ADIB-Egypt	57.69	198.23	29.10%
11	Credit Agricole Egypt	18.07	72.43	24.95%
12	Al Baraka Bank Egypt	19.94	83.13	23.99%
13	Emirates NBD Egypt	25.44	114.01	22.32%
14	The United Bank	10.98	49.63	22.12%
15	NBK-Egypt	31.73	148.52	21.36%
16	Faisal Islamic Bank of Egypt	4.43	22.02	20.13%
17	Attijariwafa bank Egypt	14.6	80.49	18.14%
18	Export Development Bank of Egypt (EBank)	17.52	97.33	18.00%
19	Qatar National Bank (QNB Egypt)	92	518.91	17.73%
20	FABMISR	29.42	167.1	17.61%
21	Abu Dhabi Commercial Bank – Egypt	14.35	82.69	17.35%
22	CIB	103.36	631.34	16.37%
23	Bank ABC	6.27	43.98	14.27%
24	AAIB	37.18	287.5	12.93%
25	Kuwait Finance House – Egypt	14.43	120.31	11.99%
26	Banque Misr	194.35	1,666.42	11.66%
27	Suez Canal Bank	13.57	140.74	9.64%
28	National Bank of Egypt (NBE)	500	5,544.86	9.02%