AAIB, ADIB-Egypt lead Retail Loan Repayment Performance Index at end-June 2026
AAIB leads with 97.44%
Six foreign banks secure places among top 10
Nine banks exceed the index average of 92.85%.
ADIB-Egypt sole Islamic bank among top 10
Arab African International Bank (AAIB) led First Bank’s Retail Loan Repayment Performance Index at end-June 2026 with a ratio of 97.44 per cent, according to the platform’s ranking of banks with the strongest retail loan portfolios.
The bank’s Stage 1 retail loans stood at approximately EGP 36.23bn, out of a total retail loan portfolio of EGP 37.18bn.
Abu Dhabi Islamic Bank – Egypt (ADIB– Egypt) ranked second with a ratio of 97 per cent, with Stage 1 retail loans amounting to approximately EGP 55.96bn out of a total retail loan portfolio of EGP 57.69bn at end-June 2026.
The Export Development Bank of Egypt (EBank) secured third place with a ratio of 96.13 per cent, as Stage 1 retail loans stood at approximately EGP 16.83bn out of a total retail loan portfolio of EGP 17.50bn.
The ranking revealed a narrow gap in retail loan repayment performance ratios among the three leading banks, with just 1.31 percentage points separating AAIB, the index leader, from third-ranked EBank. AAIB also outperformed its closest competitor, ADIB-Egypt, by 0.44 percentage points.
The ranking covered 23 banks operating in Egypt’s banking sector for which financial data were available during the period under review, based on their published separate financial statements at end-June 2026.
The index measures the proportion of retail loans classified as Stage 1 relative to total retail loans, reflecting the share of loans being repaid regularly.
It is among the indicators used to assess credit portfolio quality, providing insight into a bank’s credit risk management effectiveness and the quality of its retail loan portfolio.
A higher index ratio indicates a larger proportion of Stage 1 loans within the retail portfolio, reflecting a relatively stronger credit position in terms of the distribution of loans across risk stages.
Conversely, a lower ratio indicates a higher relative share of Stage 2 and Stage 3 loans within the retail portfolio, potentially reflecting increased credit risk or pressure on portfolio quality.
This warrants closer monitoring of credit underwriting, risk management and collection policies, while recognising that a lower ratio does not necessarily mean all loans outside Stage 1 are non-performing.
The average retail loan repayment performance index ratio across the banks analysed stood at approximately 92.85 per cent at end-June 2026, with nine banks recording ratios above the average.
Foreign banks secured six positions among the top 10, namely ADIB-Egypt, Emirates NBD Egypt, Qatar National Bank (QNB), National Bank of Kuwait (NBK Egypt), Attijariwafa bank Egypt and First Abu Dhabi Bank (FAB).
Among Islamic banks, ADIB-Egypt was the sole representative in the top 10, securing second place with a ratio of 97 per cent.
All figures cited in this analysis are based on the published separate financial statements of each bank at end-June 2026.
| Rank | Bank Name | Stage 1 retail loans at end-June 2026 (EGP billion) | Total retail loans at end-June 2026 (EGP billion) | Retail borrowers’ repayment discipline index (%) |
|---|---|---|---|---|
| 1 |  Arab African International Bank | 36.23 | 37.18 | 97.44% |
| 2 |  Abu Dhabi Islamic Bank – Egypt | 55.96 | 57.69 | 97.00% |
| 3 |  EBank | 16.83 | 17.50 | 96.13% |
| 4 |  Emirates NBD Egypt | 24.34 | 25.44 | 95.65% |
| 5 |  Qatar National Bank (QNB) | 87.41 | 92.00 | 95.01% |
| 6 |  National Bank of Kuwait – Egypt | 30.08 | 31.73 | 94.83% |
| 7 |  Attijariwafa bank Egypt | 13.85 | 14.60 | 94.82% |
| 8 |  Commercial International Bank (CIB) | 97.66 | 103.36 | 94.49% |
| 9 |  Housing and Development Bank | 34.55 | 36.69 | 94.18% |
| 10 |  FABMISR | 27.27 | 29.42 | 92.69% |
| 11 |  Faisal Islamic Bank of Egypt | 4.11 | 4.43 | 92.64% |
| 12 |  Al Baraka Bank Egypt | 12.67 | 13.70 | 92.50% |
| 13 |  Abu Dhabi Commercial Bank – Egypt | 13.45 | 14.55 | 92.48% |
| 14 |  The United Bank | 10.11 | 10.98 | 92.06% |
| 15 |  ALEXBANK | 38.17 | 41.49 | 91.99% |
| 16 |  Al Ahli Bank of Kuwait – Egypt | 23.83 | 26.12 | 91.26% |
| 17 |  Credit Agricole Egypt | 16.49 | 18.07 | 91.21% |
| 18 |  Banque du Caire | 97.14 | 106.92 | 90.85% |
| 19 |  BANK NXT | 20.93 | 23.19 | 90.26% |
| 20 |  Suez Canal Bank | 12.15 | 13.57 | 89.55% |
| 21 |  saib | 27.48 | 31.09 | 88.38% |
| 22 |  Egyptian Gulf Bank (EGBANK) | 29.70 | 34.82 | 85.29% |
| 23 |  Kuwait Finance House – Egypt | 11.45 | 14.43 | 79.32% |
