Alex Bank, Banque du caire, ABK-Egypt, and HD Bank, Top banks in focusing on personal loans investment
First Bank
According To First Bank List Of Banks Prioritizing Personal Loan Investments, Alex Bank Topped The List With with a concentration of 44.13% By The End Of September 2023, The Bank's Total Customer Loans Amounted To EGP61.53 bn, With A Personal Loan Portfolio Of EGP27.15Bn During The Same Period.
The List Revealed The Investment Trends Of 21 Banks In The Egyptian Banking Sector, Analyzing Their Financial Data. It Specifically Focused On The Level Of Personal Loan Portfolios, Using The Criterion Of (Personal Loans / Total Customer Loans) To Provide An Indicator Of How Much A Bank's Loan Portfolio Is Concentrated In Personal Loans.
Returning To The List, Banque Du Caire Secured The Second Position With 36.89% Concentration. EGP 59.86 Bn Of Its Total Customer Loans Were In The Personal Loan Portfolio, While The Total Customer Loans Reached EGP162.26Bn By The End Of September 2023.
The Third Position Was Claimed By Al Ahli Bank of Kuwait - Egypt "ABK-Egypt," With A 33.35% Concentration Of Personal Loans In Its Total Customer Loans. The Size Of Its Personal Loan Portfolio Was EGP 14.44 Bn, While The Total Customer Loans Reached EGP43.29Bn By The End Of September 2023.
Housing And Development Bank Secured The Fourth Position With A Concentration Of 24.67% In Its Personal Loan Portfolio Valued At EGP10.58Bn, While The Bank's Total Customer Loans Reached EGP42.86Bn By The End Of September 2023, EGBANK Ranked Fifth With A Concentration Rate Of 24.10% During The Same Period.
aiBank Ranked Sixth With A Personal Loan Portfolio Valued At EGP5.58Bn, Representing 23.13% Of Its Total Customer Loans, Which Amounted To EGP24.14Bn By September 2023 end.
Abu Dhabi Islamic Bank - Egypt Ranked Seventh, With Personal Loans Accounting For 22.68% Of Their Total Customer Loans. The Bank Recorded A Total Loan Portfolio Of EGP 65.549 Bn, While Its Personal Loan Portfolio Reached EGP 14.867 Bn By The End Of The First 9M Months Of last Year.
ADCB Egypt Claimed The Eight Position With A Concentration Rate Of 21.67% In Its Customer Loan Portfolio Valued At EGP 34.48 Bn, With Personal Loans Totaling EGP7.47 Bn By September 2023 End.
Emirates NBD Egypt Stood Ninth With A Concentration Of 21.31% In Its Personal Loan Portfolio Valued At EGP11.65Bn, While The Bank's Total Customer Loans Reached EGP 54.66Bn By The End Of September 2023, Credit Agricole Egypt Followed With A Concentration Rate Of 21.93%.
It's Important To Note That The Values And Concentration ratios Mentioned In The Analysis Are Based On Separate Financial Statements Declared By Each Bank At The End Of September 2023.
Top banks in focusing on personal loans investment by September -2023 end
| # | Bank Name | personal loans | Total customer loans | Concentration ratio% |
|---|---|---|---|---|
| 1 |
Bank of Alexandria-Alex Bank |
27.149 Billion pounds | 61.527 Billion pounds | 44.13 % |
| 2 |
Banque Du Caire-BDC |
59.857 Billion pounds | 162.263 Billion pounds | 36.89 % |
| 3 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
14.435 Billion pounds | 43.289 Billion pounds | 33.35 % |
| 4 |
Housing and Development Bank-HDB |
10.575 Billion pounds | 42.858 Billion pounds | 24.67 % |
| 5 |
EGBANK |
8.025 Billion pounds | 33.294 Billion pounds | 24.1 % |
| 6 |
BANK NXT |
5.584 Billion pounds | 24.14 Billion pounds | 23.13 % |
| 7 |
Abu Dhabi Islamic Bank-ADIB Egypt |
14.867 Billion pounds | 65.549 Billion pounds | 22.68 % |
| 8 |
Abu Dhabi Commercial Bank Egypt- ADCB |
7.47 Billion pounds | 34.477 Billion pounds | 21.67 % |
| 9 |
Emirates NBD Egypt |
11.648 Billion pounds | 54.659 Billion pounds | 21.31 % |
| 10 |
Credit Agricole Egypt |
8.205 Billion pounds | 38.527 Billion pounds | 21.3 % |
| 11 |
SAIB BANK |
9.468 Billion pounds | 46.467 Billion pounds | 20.38 % |
| 12 |
alBaraka Bank Egypt |
6.661 Billion pounds | 40.942 Billion pounds | 16.27 % |
| 13 |
NBK Egypt |
10.993 Billion pounds | 68.568 Billion pounds | 16.03 % |
| 14 |
Commercial International Bank-CIB |
40.422 Billion pounds | 254.517 Billion pounds | 15.88 % |
| 15 |
Qatar National Bank-QNB  |
39.038 Billion pounds | 259.764 Billion pounds | 15.03 % |
| 16 |
Export Development Bank of Egypt-EBank |
5.323 Billion pounds | 54.082 Billion pounds | 9.84 % |
| 17 |
Suez Canal Bank |
3.451 Billion pounds | 36.471 Billion pounds | 9.46 % |
| 18 |
Banque Misr |
84.162 Billion pounds | 912.662 Billion pounds | 9.22 % |
| 19 |
arab african international bank |
8.519 Billion pounds | 155.678 Billion pounds | 5.47 % |
| 20 |
Al Ahli united bank Egypt |
2.785 Billion pounds | 63.637 Billion pounds | 4.38 % |
| 21 |
Faisal Islamic Bank of Egypt |
501 Million pounds | 15.737 Billion pounds | 3.18 % |
