HD Bank, Alex bank, Top banks in focusing on Retail loans investment by March- 2024end
First Bank
FirstBank's List of Banks With The Highest Focus On Retail Loans At The End Of Last March Revealed That HD Bank Topped The List, With Its Retail Loan Portfolio Accounting For 53.17% Of The Bank's Total Customer Loans, Amounting To EGP 48.49 Bn By The End Of March 2024. While retail Loans reached EGP 25.78 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 Retail Loans.
Alex Bank Secured The Second Position With 42.07% Of Its Total Customer Loans, Concentrated In Retail Loans Portfolio Valued At EGP 28.99Bn, While Total Customer Loans Amounting To EGP 68.91Bn By March 2024End, Followed By Banque Du Caire With 41.32% During The Same Period.
aiBank Claimed The Fourth Position With 33.80% After Its Total Customer Loans Valued At EGP 25.14 Bn, While Retail Loans Portfolio Registered EGP 8.50 Bn By The End Of March 2024.
ABK_Egypt Claimed the Fifth Position, With Concentration Ratio 32.30% Of Its Total Customer Loans Into Retail Loan Portfolio, Totaling EGP 17.90 Bn By The End Of March 2024. Their Total Customer Loan Portfolio Amounted To EGP 55.43 Bn During The Same Period.
Saib Ranked Sixth On The List, As 25.46% Of Its Total Customer Loans, Amounting To EGP 57.29 Bn, Were Concentrated In The Retail Loans By The End Of March 2024. The Bank's Retail Loan Portfolio Reached EGP 14.58 Bn.
Credit Agricole - Egypt Come In Seventh Position With 25.14% Of Its Total Customer Loans, Valued At EGP45.64Bn, Concentrated In Retail Loans Portfolio Totaling EGP 11.74 Bn By The End Of March 2024 Followed By EGBANK With 24.58% During The Same Period.
ADIB Egypt Secured the Ninth Position With 23.93%, Its Total Retail Loans Valued At EGP 20.63Bn, While Total Customer Loans Portfolio Amounted To EGP 86.18Bn By The End Of March 2024.
Emirates NBD Come In Tenth Place, With 23.44% Of Its Total Customer Loans, Amounting To EGP 65.08 Bn, Were Concentrated In The Retail Loans By The End Of March 2024. The Bank's Retail Loan Portfolio Reached EGP 15.26 Bn, Following By, ADCB – Egypt, and CIB With A Concentration Rates Of 21.73%, 20.85% 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 March 2024.
Top banks in focusing on retail loans by March-2024end
| # | Bank Name | retail loans by March-2024end | Total loans by March-2024end | concentration ratio % |
|---|---|---|---|---|
| 1 |
Housing and Development Bank-HDB |
25.782 Billion pounds | 48.49 Billion pounds | 53.17 % |
| 2 |
Bank of Alexandria-Alex Bank |
28.987 Billion pounds | 68.91 Billion pounds | 42.07 % |
| 3 |
Banque Du Caire-BDC |
78.47 Billion pounds | 189.86 Billion pounds | 41.33 % |
| 4 |
BANK NXT |
8.49 Billion pounds | 25.13 Billion pounds | 33.8 % |
| 5 |
Al Ahli Bank of Kuwait Egypt -ABK Egypt |
17.9 Billion pounds | 55.42 Billion pounds | 32.3 % |
| 6 |
SAIB BANK |
14.58 Billion pounds | 57.29 Billion pounds | 25.46 % |
| 7 |
Credit Agricole Egypt |
11.47 Billion pounds | 45.63 Billion pounds | 25.14 % |
| 8 |
EGBANK |
10.08 Billion pounds | 41.01 Billion pounds | 24.58 % |
| 9 |
Abu Dhabi Islamic Bank-ADIB Egypt |
20.62 Billion pounds | 86.18 Billion pounds | 23.93 % |
| 10 |
Emirates NBD Egypt |
15.25 Billion pounds | 65.07 Billion pounds | 23.44 % |
| 11 |
Abu Dhabi Commercial Bank Egypt- ADCB |
9.36 Billion pounds | 43.09 Billion pounds | 21.73 % |
| 12 |
Commercial International Bank-CIB |
65.22 Billion pounds | 312.83 Billion pounds | 20.85 % |
| 13 |
Attijariwafa Bank Egypt |
9.4 Billion pounds | 48.7 Billion pounds | 19.29 % |
| 14 |
alBaraka Bank Egypt |
9.19 Billion pounds | 49.1 Billion pounds | 18.71 % |
| 15 |
Faisal Islamic Bank of Egypt |
3.35 Billion pounds | 18.03 Billion pounds | 18.58 % |
| 16 |
Qatar National Bank-QNB  |
58.11 Billion pounds | 318.17 Billion pounds | 18.27 % |
| 17 |
Arab Banking Corporation- ABC |
4.53 Billion pounds | 25.35 Billion pounds | 17.89 % |
| 18 |
NBK Egypt |
14.28 Billion pounds | 86.13 Billion pounds | 16.59 % |
| 19 |
Export Development Bank of Egypt-EBank |
8.83 Billion pounds | 63.37 Billion pounds | 13.94 % |
| 20 |
arab african international bank |
20.23 Billion pounds | 187.87 Billion pounds | 10.77 % |
| 21 |
Suez Canal Bank |
4.09 Billion pounds | 44.28 Billion pounds | 9.24 % |
| 22 |
Al Ahli united bank Egypt |
4.11 Billion pounds | 76.17 Billion pounds | 5.41 % |
