HD Bank, Alex bank, Banque du Caire, and ABK _Egypt, top banks in focusing on investing in Retail loans
First Bank
FirstBank's List Of Banks With The Highest Focus On Retail Loans At The End Of June Revealed That HD Bank Topped The List, With Its retail Loan Portfolio Accounting For 56.53% Of The Bank's Total Loans, Amounting To EGP22.93 Bn By June 2023. Total Loan Portfolio Was EGP 40.57 Bn During The Same Period.
The List Reflects The Investment Trends Of 22 Banks In The Egyptian Banking Sector, Based On Their Financial Data For Analysis, Specifically In Terms Of retail Loans. It Provides An Indicator Of How Much The Bank's Customer Loan Portfolio Is Concentrated In Individual Loans.
Alex Bank Secured The Second Position With 45.13% Of Its Total Customer Loans, Valued At EGP 59.84 Bn, Concentrated In retail Loans Amounting To EGP 27 Bn By June 2023.
Banque du Caire Claimed The Third Position, With Its retail Loan Portfolio Representing 41.13% Of The Bank's Total Customer Loans, Valued At EGP 152.20 Bn. Retail Loan Portfolio Amounted To EGP 62.61 Bn By June 2023.
Moving On To The Fourth Position, ABK_Egypt, Concentrated 35.47% Of Its Total Customer Loans Into Retail Loan Portfolio, Totaling EGP13.84Bn. Their Total Customer Loan Portfolio Amounted To EGP 39.02 Bn By The End Of June 2023.
Egyptian Gulf Bank -EGBANK Secured The Fifth Position With 27.55% Of Its Total Customer Loans, Amounting To EGP 8.86 Bn By June 2023, Concentrated In Retail Loan Portfolio. Total Customer Loan Portfolio Of The Bank Was EGP 32.15 Bn By The End Of The Same Period.
aiBank Claimed The seventh Position With 26% Of Its Total Customer Loans, Valued At EGP 23.39 Bn, Concentrated In Retail Loans Totaling EGP6.08Bn By June 2023. It Was Followed By Emirates NBD - Egypt With 25.35% By The End Of The Same Period.
saib Secured The Ninth Position With 21.17% Of Its Total Customer Loans, Valued At EGP 46.78 Bn, Concentrated In Retail Loans. retail Loan Portfolio Amounted To EGP 11.30 Bn by June 2023.
Abu Dhabi Commercial Bank - Egypt Claimed The Tenth Spot, Focusing 23.84% Of Its EGP 32.48 Bn Total Customer Loan Portfolio Into Retail Loan Portfolio, Which Amounted To EGP7.74 Bn By The End Of June 2023, Following by ADIB - Egypt, CIB With A Concentration rates Of 22.93%, 21.06% Respectively By The End Of The Same Period
It Is Worth Noting That Values And Concentration Rates Mentioned In The Analysis Are Based On Separate Financial Statements Announced By Each Bank At The End Of June 2023.
Top banks in focusing on Retail loans investment by June-2023 end
| # | Bank Name | Retail loans At-June-23 | Total customer loans At-June-23 | Concentration Ratio% |
|---|---|---|---|---|
| 1 |
Housing and Development Bank-HDB |
22.934 Billion pounds | 40.573 Billion pounds | 56.53 % |
| 2 |
Bank of Alexandria-Alex Bank |
27.005 Billion pounds | 59.844 Billion pounds | 45.13 % |
| 3 |
Banque Du Caire-BDC |
62.607 Billion pounds | 152.199 Billion pounds | 41.13 % |
| 4 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
13.84 Billion pounds | 39.018 Billion pounds | 35.47 % |
| 5 |
EGBANK |
8.855 Billion pounds | 32.145 Billion pounds | 27.55 % |
| 6 |
Credit Agricole Egypt |
10.026 Billion pounds | 36.626 Billion pounds | 27.37 % |
| 7 |
BANK NXT |
6.08 Billion pounds | 23.388 Billion pounds | 26 % |
| 8 |
Emirates NBD Egypt |
13.045 Billion pounds | 51.465 Billion pounds | 25.35 % |
| 9 |
SAIB BANK |
11.304 Billion pounds | 46.777 Billion pounds | 24.17 % |
| 10 |
Abu Dhabi Commercial Bank Egypt- ADCB |
7.743 Billion pounds | 32.484 Billion pounds | 23.84 % |
| 11 |
Abu Dhabi Islamic Bank-ADIB Egypt |
15.182 Billion pounds | 65.01 Billion pounds | 23.35 % |
| 12 |
Commercial International Bank-CIB |
52.961 Billion pounds | 251.479 Billion pounds | 21.06 % |
| 13 |
Attijariwafa Bank Egypt |
7.386 Billion pounds | 37.088 Billion pounds | 19.91 % |
| 14 |
Qatar National Bank-QNB  |
48.319 Billion pounds | 253.954 Billion pounds | 19.03 % |
| 15 |
Faisal Islamic Bank of Egypt |
2.981 Billion pounds | 15.914 Billion pounds | 18.73 % |
| 16 |
NBK Egypt |
11.897 Billion pounds | 68.032 Billion pounds | 17.49 % |
| 17 |
alBaraka Bank Egypt |
6.164 Billion pounds | 38.765 Billion pounds | 15.9 % |
| 18 |
National Bank of Egypt-NBE |
256 Billion pounds | 1.978 Trillion pounds | 12.94 % |
| 19 |
arab african international bank |
18.458 Billion pounds | 151.644 Billion pounds | 12.17 % |
| 20 |
Export Development Bank of Egypt-EBank |
5.967 Billion pounds | 52.733 Billion pounds | 11.32 % |
| 21 |
Suez Canal Bank |
3.276 Billion pounds | 35.246 Billion pounds | 9.29 % |
| 22 |
Al Ahli united bank Egypt |
3.268 Billion pounds | 61.267 Billion pounds | 5.33 % |
