Alex Bank, Banque du caire, and ABK-Egypt, Top banks in focusing on personal loans investment by end of 2023
First Bank
According To First Bank List Of Banks Prioritizing Personal Loan Investments, Alex Bank Topped The List With A Concentration Of 43.71% By The End Of December 2023, The Bank's Total Customer Loans Amounted To EGP63.93Bn, With A Personal Loan Portfolio Of EGP27.95Bn During The Same Period.
The List Revealed The Investment Trends Of 20 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 37.29% Concentration. EGP 64.84 Bn Of Its Total Customer Loans Were In The Personal Loan Portfolio, While The Total Customer Loans Reached EGP173.91Bn By The End Of December 2023.
The Third Position Was Claimed By Al Ahli Bank Of Kuwait - Egypt "ABK-Egypt," With A 34.30% Concentration Of Personal Loans In Its Total Customer Loans. The Size Of Its Personal Loan Portfolio Was EGP 16.11 Bn, While The Total Customer Loans Reached EGP46.97Bn By The End Of December 2023.
aiBank Ranked Fourth With A Personal Loan Portfolio Valued At EGP6.14Bn, Representing 26.98% Of Its Total Customer Loans, Which Amounted To EGP22.76Bn By December 2023 end, ADIB Egypt Ranked Fifth With A Concentration Rate Of 24.97% During The Same Period.
Housing And Development Bank Secured The Sixth Position With A Concentration Of 24.55% In Its Personal Loan Portfolio Valued At EGP11.17Bn, While The Bank's Total Customer Loans Reached EGP45.49Bn By The End Of December 2023, EGBANK Ranked seventh With A Concentration Rate Of 22.83% During The Same Period.
saib Ranked Eighth, With Personal Loans Accounting For 22.19% Of Their Total Customer Loans. The Bank Recorded A Total Loan Portfolio Of EGP 46.28 Bn, While Its Personal Loan Portfolio Reached EGP 10.27 Bn By The End Of 2023.
ADCB Egypt Claimed the Ninth Position With A Concentration Rate Of 20.63% In Its Customer Loan Portfolio Valued At EGP 37.79 Bn, With Personal Loans Totaling EGP7.80 Bn By December 2023 End.
Credit Agricole Egypt come in Tenth place With A Concentration Of 19.84% In Its Personal Loan Portfolio Valued At EGP8.47Bn, While The Bank's Total Customer Loans Reached EGP 42.71Bn By The End Of December 2023 Emirates NBD Egypt Followed With A Concentration Rate Of 19.65%.
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 December 2023
Top banks in focusing on personal loans investment by end of 2023
| # | Bank Name | personal loans | Total customer loans | concentraion ratio % |
|---|---|---|---|---|
| 1 |
Bank of Alexandria-Alex Bank |
27.946 Billion pounds | 63.933 Billion pounds | 43.71 % |
| 2 |
Banque Du Caire-BDC |
64.842 Billion pounds | 173.908 Billion pounds | 37.29 % |
| 3 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
16.109 Billion pounds | 46.97 Billion pounds | 34.3 % |
| 4 |
BANK NXT |
6.142 Billion pounds | 22.762 Billion pounds | 26.98 % |
| 5 |
Abu Dhabi Islamic Bank-ADIB Egypt |
16.971 Billion pounds | 67.961 Billion pounds | 24.97 % |
| 6 |
Housing and Development Bank-HDB |
11.168 Billion pounds | 45.485 Billion pounds | 24.55 % |
| 7 |
EGBANK |
7.698 Billion pounds | 33.713 Billion pounds | 22.83 % |
| 8 |
SAIB BANK |
10.268 Billion pounds | 46.278 Billion pounds | 22.19 % |
| 9 |
Abu Dhabi Commercial Bank Egypt- ADCB |
7.795 Billion pounds | 37.791 Billion pounds | 20.63 % |
| 10 |
Credit Agricole Egypt |
8.474 Billion pounds | 42.706 Billion pounds | 19.84 % |
| 11 |
Emirates NBD Egypt |
11.805 Billion pounds | 60.066 Billion pounds | 19.65 % |
| 12 |
alBaraka Bank Egypt |
7.338 Billion pounds | 43.645 Billion pounds | 16.81 % |
| 13 |
Commercial International Bank-CIB |
42.508 Billion pounds | 265.104 Billion pounds | 16.03 % |
| 14 |
Qatar National Bank-QNB  |
41.053 Billion pounds | 268.577 Billion pounds | 15.29 % |
| 15 |
NBK Egypt |
11.464 Billion pounds | 76.056 Billion pounds | 15.07 % |
| 16 |
Export Development Bank of Egypt-EBank |
6.332 Billion pounds | 54.617 Billion pounds | 11.59 % |
| 17 |
Suez Canal Bank |
3.592 Billion pounds | 37.114 Billion pounds | 9.68 % |
| 18 |
arab african international bank |
8.16 Billion pounds | 154.477 Billion pounds | 5.28 % |
| 19 |
Al Ahli united bank Egypt |
2.962 Billion pounds | 67.151 Billion pounds | 4.41 % |
| 20 |
Faisal Islamic Bank of Egypt |
577.359 million pounds | 16.05 Billion pounds | 3.6 % |
