HD Bank, Credit Agricole bank, and saib Top Listed Banks in Focusing on Retail Loans by September -2023end
First Bank
First Bank List Of Listed Banks With The Highest Concentration On Retail Loans By The End Of September 2023 Revealed That Housing & Development Bank-HD Bank Topped The List. As Accounted For 56.10% Of The Total Customer Loans, Amounting To EGP 42.857 Bn By September -2023End. Meanwhile, Retail Loans Reached EGP 24.042 Bn During The Same Period.
The List Measures The Investment Trends Of 11 Listed Banks On The Egyptian Stock Exchange, Specifically In Terms Of Retail Loans. It Relies On The Criterion Of (Retail Loans/Total Customer Loans) To Provide An Indicator Of The Extent To Which The Bank's Loan Portfolio Focuses On Retail Loans By End Of 9M-2023.
Credit Agricole- Egypt Secured The Second Position With 27.02% Of Its Total Customer Loans Amounting To EGP 38.527 Bn Concentrated In Its Retail Loan Portfolio Valued At EGP 10.409 Bn By The End Of September 2023.
saib Ranked Third, With a rate of 25.74% As Its Total Customer Loans Amounting To EGP 46.666 Bn Concentrated In Its Retail Loan Portfolio, Which Reached EGP 11.984 Bn By The End Of September 2023.
EGBANK shared Third place with saib in terms of concentration ratios, but the portfolios varied As Its Retail Loans, Amounting To EGP 8.587 Bn, while Total Customer Loan Portfolio, recorded EGP 33.293 Bn By The End Of September 2023.
Abu Dhabi Islamic Bank - Egypt Came In Fourth Place, With 24.44% Of Its Total Customer Loans, Amounting To EGP 65.548 Bn By The End Of September 2023, Concentrated In Its Retail Loan Portfolio, Which Reached EGP 16.020 Bn By The End Of The Same Period.
Commercial international Bank- Egypt Came In Fifth Place, With 22.21% Of Its Total Customer Loans, Amounting To EGP 254.516 Bn By The End Of September 2023, Concentrated In Its Retail Loan Portfolio, Which Reached EGP 56.521 Bn By The End Of The Same Period.
It Is Worth Noting That The Concentration Ratios And Values Mentioned In The Above Analysis Are Based On Separate Financial Statements Announced By Each Bank By The End Of September 2023.
Top listed banks in focusing on Retail loans by September -2023end
| # | Bank Name | retail loans by September-2023 end | customer loans by September-2023 end | Concentration ratio% |
|---|---|---|---|---|
| 1 |
Housing and Development Bank-HDB |
24.042 Billion pounds | 42.857 Billion pounds | 56.1 % |
| 2 |
Credit Agricole Egypt |
10.409 Billion pounds | 38.527 Billion pounds | 27.02 % |
| 3 |
SAIB BANK |
11.984 Billion pounds | 46.467 Billion pounds | 25.79 % |
| 4 |
EGBANK |
8.587 Billion pounds | 33.293 Billion pounds | 25.79 % |
| 5 |
Abu Dhabi Islamic Bank-ADIB Egypt |
16.02 Billion pounds | 65.548 Billion pounds | 24.44 % |
| 6 |
Commercial International Bank-CIB |
56.521 Billion pounds | 254.516 Billion pounds | 22.21 % |
| 7 |
Faisal Islamic Bank of Egypt |
3.101 Billion pounds | 15.737 Billion pounds | 19.71 % |
| 8 |
Qatar National Bank-QNB Al Ahli |
51.17 Billion pounds | 259.763 Billion pounds | 19.7 % |
| 9 |
alBaraka Bank Egypt |
6.918 Billion pounds | 40.941 Billion pounds | 16.9 % |
| 10 |
Export Development Bank of Egypt-EBank |
6.852 Billion pounds | 54.082 Billion pounds | 12.67 % |
| 11 |
Suez Canal Bank |
3.574 Billion pounds | 36.47 Billion pounds | 9.8 % |
