Banks in Egypt post EGP 601.6bn in net profits in 2025: CBE

2026-03-28 - 19:30

The Central Bank of Egypt (CBE) said banks operating in the Egyptian market recorded net profits of EGP 601.612bn in December 2025, up from EGP 433.772bn in September. According to the CBE, net interest income reached EGP 1.05trn, while total operating income stood at approximately EGP 1.418trn. Total expenses amounted to around EGP 817.238bn, reflecting continued strong core banking performance. The sector remains highly concentrated, with the top 10 banks accounting for around 79.27% of total profits, equivalent to EGP 476.952bn. Meanwhile, the top five banks held a 67.33% share, generating EGP 405.115bn in profits. Financial indicators for the leading banks also showed solid performance. Net interest income for the top 10 banks reached approximately EGP 812.455bn, alongside total operating income of EGP 1.138trn and expenses of EGP 661.243bn. For the top five banks, net interest income stood at around EGP 685.069bn, with total operating income of EGP 990.698bn and total expenses of approximately EGP 585.583bn. Profitability ratios remained stable across the sector. Return on average equity (ROAE) for banks operating in Egypt stood at 39% by end-December 2025, unchanged from previous quarters, while return on average assets (ROAA) reached 2.6% and net interest margin (NIM) stood at 5.8%. Among the top 10 banks, ROAE reached 39.1%, ROAA stood at 2.5%, and NIM came in at 5.7%. For the top five banks, ROAE stood at 37.6%, while ROAA and NIM reached 2.3% and 5.4%, respectively.