ADIB-Egypt, ABK-Egypt and ABC lead in direct corporate loans

ADIB-Egypt tops the list with a concentration ratio of 84.38%

Direct loans account for 47.14% of total corporate loans across 25 banks

15 banks record concentration ratios exceeding 50%

First Bank’s list of banks with the highest concentration in direct corporate loans within their corporate loan portfolios at end-June 2026 revealed that ADIB-Egypt ranked first, with a concentration ratio of 84.38 per cent, as its direct loans reached EGP 118.58 bn out of total corporate loans of EGP 140.54 bn.

ABK-Egypt came second, with a concentration ratio of 82.33 per cent, as its direct loans recorded EGP 51.43 bn, compared to total corporate loans of EGP 62.46 bn.

ABC ranked third, with a concentration ratio of 81.35 per cent, as its direct loans reached EGP 30.68 bn out of total corporate loans of EGP 37.71 bn.

The list included 25 banks operating in the Egyptian banking sector, with 15 banks recording concentration ratios exceeding 50 per cent, while the remaining 10 banks posted ratios below this level.

Direct loans across the 25 banks reached approximately EGP 2.03 tn, out of total corporate loans amounting to EGP 4.31 tn, representing a contribution of 47.14 per cent.

Regarding Islamic banks, ADIB-Egypt topped the list, followed by alBaraka Bank in seventh place, with a concentration ratio of 74.77 per cent, and Kuwait Finance House – Egypt in ninth place, at approximately 72.65 per cent.

Comparing the quality of corporate loan portfolios, the average quality ratio among the top 10 banks with the highest concentration in direct corporate loans reached 97.00 per cent, compared to 96.51 per cent across the remaining 15 banks, a marginal difference of 0.48 percentage points in favour of the higher-concentration group.

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

Rank	Bank name	Direct corporate loans at end of June 2026 (EGP bn)	Corporate loans at end of June 2026 (EGP bn)	Concentration ratio
1	ADIB-Egypt	118.58	140.54	84.40%
2	ABK-Egypt	51.43	62.46	82.30%
3	ABC	30.68	37.71	81.40%
4	NBK-Egypt	90.91	116.79	77.80%
5	Bank NXT	29.55	38.27	77.20%
6	ALEXBANK	39.24	51.2	76.60%
7	Al Baraka Bank Egypt	47.25	63.18	74.80%
8	Credit Agricole Egypt	40.05	54.35	73.70%
9	KFH-Egypt	76.93	105.88	72.70%
10	ADCB Egypt	45.69	68.34	66.90%
11	HSBC	26.66	42.49	62.75%
12	Banque Misr	900.23	1,472.07	61.15%
13	EGBANK	21.15	34.7	60.96%
14	Housing and Development Bank (HDB)	24.92	44.75	55.67%
15	The United Bank	20.81	38.66	53.82%
16	FABMISR	58.23	137.68	42.29%
17	Banque du Caire	60.87	146.19	41.64%
18	Suez Canal Bank	52.49	127.18	41.27%
19	Emirates NBD Egypt	34.94	88.56	39.45%
20	Qatar National Bank (QNB Egypt)	155.69	426.9	36.47%
21	EBank	18.73	79.81	23.46%
22	Attijariwafa bank Egypt	11.45	65.88	17.38%
23	AAIB	43.14	250.32	17.24%
24	SAIB	13.18	87.3	15.10%
25	CIB	18.73	527.99	3.55%