NBK Egypt, Attijariwafa and ADIB lead borrower repayment index at end-June 2026

NBK Egypt leads by 0.84% points over Attijariwafa Bank Egypt

Seven foreign banks rank among the top 10, out of 13 foreign banks

15 banks exceed the index average of 89.64%

ADIB Egypt is the only Islamic bank among the top 10

First Bank’s ranking of the best loan portfolios according to the borrower repayment regularity index at end-June 2026 revealed that NBK Egypt topped the list, recording 97.59 per cent.

The bank’s Stage 1 loans amounted to EGP144.94bn, out of total loans of EGP148.52bn, reflecting its leading position in the ranking at the end of June 2026.

Attijariwafa Bank Egypt came in second, recording 96.75 per cent at end-June 2026. Its Stage 1 loans reached EGP77.87bn, out of total loans of EGP80.49bn.

Abu Dhabi Islamic Bank-Egypt ranked third, with a score of 95.24 per cent at end-June 2026. Its Stage 1 financing amounted to EGP188.8bn, out of total financing of EGP198.23bn.

The ranking included 25 banks operating in the Egyptian banking sector for which financial data were available during the period under analysis, based on their published standalone financial statements at end-June 2026.

The index was measured using the ratio of regularly repaid loans to total loans, calculated as Stage 1 loans divided by total loans. It is considered a key indicator of credit performance.

A higher ratio reflects the bank’s efficiency in applying risk assessment policies and managing assets. It also indicates its ability to extend credit to borrowers with strong creditworthiness, supporting financial soundness and reducing non-performing loan risks.

Conversely, a lower score may indicate weaknesses in credit assessment or loan recovery monitoring, requiring a review of internal procedures and controls. Accordingly, improving this ratio is a strategic objective for banks seeking sustainable growth and stronger customer confidence.

The average quality score of the 25 banks’ loan portfolios under the borrower repayment regularity index stood at 89.64 per cent, with 15 banks recording scores above this average.

Foreign banks secured seven places among the top 10, namely NBK Egypt, Attijariwafa Bank Egypt, Abu Dhabi Islamic Bank-Egypt, Credit Agricole Egypt, Al Ahli Bank of Kuwait Egypt, Emirates NBD Egypt and Abu Dhabi Commercial Bank Egypt. 

Regarding Islamic banks, Abu Dhabi Islamic Bank-Egypt was the only institution to secure a place among the top 10, ranking third in the overall list.

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

Rank	Bank name	Stage 1 loans at end-June 2026 (EGP bn)	Total loans at end-June 2026 (EGP bn)	Borrower repayment regularity index
1	National Bank of Kuwait – Egypt (NBK Egypt)	144.94	148.52	97.59%
2	Attijariwafa Bank Egypt	77.87	80.49	96.75%
3	Abu Dhabi Islamic Bank-Egypt (ADIB)	188.8	198.23	95.24%
4	Banque Misr	1,584.35	1,666.42	95.07%
5	Housing and Development Bank (HDB)	76.41	81.44	93.82%
6	Credit Agricole Egypt	67.69	72.43	93.45%
7	Export Development Bank of Egypt (EBank)	90.43	97.33	92.91%
8	Al Ahli Bank of Kuwait-Egypt (ABK-Egypt)	82	88.58	92.58%
9	Emirates NBD Egypt	105.2	114.01	92.28%
10	Abu Dhabi Commercial Bank-Egypt (ADCB)	75.95	83.11	91.39%
11	BANK NXT	55.98	61.46	91.09%
12	Suez Canal Bank	127.88	140.74	90.86%
13	Qatar National Bank (QNB Egypt)	470.48	518.91	90.67%
14	First Abu Dhabi Bank (FAB)	150.86	167.1	90.28%
15	The United Bank	44.8	49.63	90.20%
16	AlexBank	81.94	92.69	88.40%
17	EGBANK	59.8	69.51	86.03%
18	SAIB	73.64	87.3	84.35%
19	Kuwait Finance House-Egypt (KFH)	99.05	120.31	82.33%
20	Commercial International Bank (CIB)	517.66	631.34	81.99%
21	Arab African International Bank (AAIB)	234.98	287.5	81.73%
22	Al Baraka Bank Egypt	61.33	76.49	80.18%
23	HSBC Egypt	47.3	61.95	76.34%
24	Banque du Caire	191.69	253.12	75.73%
25	Faisal Islamic Bank of Egypt	13.82	22.02	62.77%