First indicator: Corporates drive 40.89% of ADCB Egypt’s asset growth in 9M-2026

Abu Dhabi Commercial Bank Egypt (ADCB Egypt) strengthened its financial position during the first nine months of 2026, with total assets increasing by 21.4 per cent, equivalent to EGP37.28bn, to reach EGP211.25bn at end-September 2026, compared to EGP173.97bn at end-2025.

Corporate loans played a key role in driving the bank’s balance sheet expansion during the first nine months of 2026, rising to EGP71.51bn at end-September, compared to EGP56.27bn at end-2025, reflecting growth of 27.1 per cent.

This increase amounted to approximately 40.89 per cent of the bank’s total asset growth during the period, highlighting the significant contribution of the corporate sector to the bank’s expansion.

The growth also strengthened the relative weight of corporate loans within total assets, with their share rising to 33.85 per cent at end-September 2026, compared to 32.34 per cent at end-2025.

The expansion in corporate loans was primarily driven by direct loans, which increased to EGP46.61bn at end-September 2026, compared to EGP33.71bn at end-2025, marking an increase of EGP12.89bn, or 38.25 per cent.

Direct loans alone accounted for approximately 84.59 per cent of the total increase in corporate loans during the first nine months of 2026, underscoring their leading contribution to the growth of the portfolio.

Overdrafts also recorded growth, rising to EGP10.50bn at end-September 2026, compared to EGP9.40bn at end-2025, representing an increase of EGP1.10bn, or 11.66 per cent.

Meanwhile, syndicated loans increased to EGP12.63bn at end-September 2026, compared to EGP11.78bn at end-2025, recording an increase of EGP855.58mn and a growth rate of 7.27 per cent.

Discounted commercial papers also grew by 28.92 per cent, reaching EGP1.77bn at end-September 2026, compared to EGP1.38bn at the end of 2025.

Accordingly, corporates strengthened their dominance of the bank’s loan portfolio, with their share of total customer loans rising to 82.68 per cent at end-September 2026, compared to 80.61 per cent at end-2025.

This reflects the growing reliance on the corporate sector in driving the bank’s lending activity and expanding its credit portfolio.

Overall, the bank’s total loan portfolio increased by 23.9 per cent during the first nine months of 2026, reaching EGP86.49bn at end-September, compared to EGP69.80bn at end-2025.