National Bank of Egypt, Suez Canal Bank and Banque Misr lead in corporate loan concentration

National Bank of Egypt tops the ranking, with a corporate loan concentration ratio of 90.98%

Corporate loans account for 85.61% of total loans at 28 banks at end-June 2026

Five foreign banks rank among the most focused on retail loans out of 13 foreign banks covered

First Bank’s ranking of banks most focused on corporate loans at the end of June 2026 showed National Bank of Egypt leading, with corporate loans accounting for 90.98 per cent of its total customer loans.

Its corporate loan portfolio reached EGP5.04 tn, against total customer loans of EGP5.54 tn.

Suez Canal Bank came second, with a concentration ratio of 90.36 per cent. Its corporate loan portfolio reached EGP127.18 bn at the end of June 2026, while total customer loans stood at approximately EGP140.74 bn.

Banque Misr ranked third, as its corporate loan portfolio, valued at EGP1.47 tn, accounted for 88.34 per cent of total customer loans, which reached EGP1.67 tn at the end of June 2026.

The ranking highlights lending trends across 28 banks operating in Egypt for which financial statements were available for the period under review. It focuses on corporate loans and their share of total customer loans.

The ranking is based on the corporate loans-to-total customer loans ratio, which indicates the extent to which a bank’s customer loan portfolio is concentrated in corporate loans, according to each bank’s published standalone financial statements.

The ranking showed that corporate loans accounted for more than half of customer loans at 26 of the 28 banks covered, while retail loans prevailed at only two banks in the ranking.

Total corporate loans at the 28 banks reached approximately EGP9.58 tn, out of total customer loans amounting to EGP10.96 tn, bringing their share to 85.61 per cent of total customer loans.

Among the three largest state-owned banks, corporate loans at National Bank of Egypt, Banque Misr and Banque du Caire collectively reached approximately EGP6.66 tn, representing 89.27 per cent of their combined total loans.

The ranking also revealed a similar loan structure among UAE and Kuwaiti banks operating in Egypt, with corporate loans accounting for average shares of 77.42 per cent and 79.78 per cent, respectively, at end-June 2026.

The average corporate portfolio quality ratio among the 10 banks most focused on corporate loans stood at 96.23 per cent, compared with 96.86 per cent at the remaining 18 banks, a 0.63 percentage-point difference.

This difference favoured the second group. The comparison shows that a higher concentration in corporate loans does not automatically translate into higher portfolio quality, as the less concentrated group recorded a slightly higher average.

Nevertheless, both groups maintained high portfolio quality levels, close to the overall average of 96.67 per cent. All figures in this analysis are based on each bank’s published standalone financial statements at end-June 2026.

Rank	Bank Name	Corporate loans at End of June 2026 (EGP bn)	Total Customer loans at End of June 2026 (EGP bn)	Concentration Ratio (Corporate loans / Total Customer loans)
1	National Bank of Egypt (NBE)	5,044.86	5,544.86	90.98%
2	Suez Canal Bank	127.18	140.74	90.36%
3	Banque Misr	1,472.07	1,666.42	88.34%
4	Kuwait Finance House – Egypt (KFH)	105.88	120.31	88.01%
5	Arab African International Bank (AAIB)	250.32	287.5	87.07%
6	ABC Bank	37.71	43.98	85.73%
7	Commercial International Bank (CIB)	527.99	631.34	83.63%
8	Abu Dhabi Commercial Bank (ADCB)	68.34	82.69	82.65%
9	First Abu Dhabi Bank Misr (FABMISR)	137.68	167.1	82.39%
10	Qatar National Bank (QNB Egypt)	426.9	518.91	82.27%
11	Export Development Bank of Egypt (EBank)	79.81	97.33	82.00%
12	Attijariwafa Bank Egypt	65.88	80.49	81.86%
13	Faisal Islamic Bank of Egypt	17.59	22.02	79.87%
14	National Bank of Kuwait – Egypt (NBK-Egypt)	116.79	148.52	78.64%
15	United Bank	38.66	49.63	77.88%
16	Emirates NBD Egypt	88.56	114.01	77.68%
17	Al Baraka Bank Egypt	63.18	83.13	76.01%
18	Credit Agricole Egypt	54.35	72.43	75.05%
19	Abu Dhabi Islamic Bank – Egypt (ADIB)	140.54	198.23	70.90%
20	Al Ahli Bank of Kuwait – Egypt (ABK-Egypt)	62.46	88.58	70.52%
21	HSBC Egypt	42.49	61.95	68.58%
22	Société Arabe Internationale de Banque (SAIB)	56.21	87.3	64.38%
23	Bank NXT	38.27	61.46	62.27%
24	Banque du Caire	146.19	253.12	57.76%
25	ALEXBANK	51.2	92.69	55.24%
26	Housing and Development Bank (HDB)	44.75	81.44	54.95%
27	Egyptian Gulf Bank (EGBANK)	34.7	69.51	49.92%
28	Agricultural Bank of Egypt (ABE)	44.09	96.37	45.75%