Emirates NBD – Egypt closed 2025 with solid financial results that show the strength of its long term strategy. The bank recorded a profit before tax of EGP 9 billion (approximately US$192 million) by the end of December 2025, marking a 19 percent year on year increase. The results reflect steady growth across key performance indicators and confirm the bank’s position as one of the leading players in Egypt’s banking sector.
The strong performance is not only about higher profits. It signals a wider impact on the market through increased lending, stronger deposits, improved efficiency and a larger asset base. As the bank expands its digital services and integrated banking solutions, it is also widening access to finance for both businesses and individuals across Egypt.
For the financial year ending December 2025, the bank reported a net profit of EGP 6.1 billion, compared to EGP 5.3 billion in 2024, representing a 15 percent growth. Total revenues rose to EGP 15.3 billion from EGP 13.6 billion the previous year, an annual increase of 12.5 percent.
Stronger Balance Sheet and Operational Efficiency
The bank’s balance sheet showed significant expansion during the year. Total assets reached EGP 208 billion by the end of 2025, up from EGP 159 billion in December 2024, reflecting a 31 percent growth. Shareholders’ equity also increased to EGP 23 billion from EGP 17.4 billion, achieving a 32 percent annual rise.
Profitability indicators remained strong. Return on Average Equity stood at 33 percent, while Return on Average Assets reached 3.6 percent. The Cost to Income Ratio was maintained at 30 percent, highlighting improved operational efficiency and disciplined cost management.
These figures indicate a bank that is not only growing in size but also improving in quality. A stronger capital base and better efficiency levels allow the institution to support more projects, finance more businesses and respond to customer needs with greater flexibility.
Expanding Lending and Building a Diversified Deposit Base
Lending activity continued to grow across both corporate and retail segments. Total customer loans reached EGP 96 billion at the end of December 2025, compared to EGP 84.1 billion in 2024, marking a 14 percent increase.
Corporate loans rose to EGP 74 billion from EGP 67.2 billion, a 10 percent growth. Retail loans saw even faster expansion, increasing to EGP 22 billion from EGP 16.9 billion, reflecting a 29 percent rise year on year. This growth in retail lending shows stronger engagement with individual customers and households, supporting consumption and personal investment.
On the funding side, total deposits climbed to EGP 170 billion by the end of 2025, compared to EGP 128.2 billion in 2024, achieving a 33 percent growth. Corporate deposits stood at EGP 100 billion, up from EGP 82.1 billion, reflecting 22 percent growth. Retail deposits increased sharply to EGP 70 billion from EGP 46.1 billion, marking a 51 percent rise.
The strong increase in deposits strengthens the bank’s funding base and reduces reliance on external funding. It also reflects growing customer trust and a diversified deposit portfolio.
Commenting on the results, Amr ElShafie, CEO and Managing Director of Emirates NBD – Egypt, said: “The financial results for 2025 reflect the success of the comprehensive strategy we launched in 2023, aimed at strengthening our financial position, improving operational efficiency and expanding our customer base. These efforts translated into exceptional growth in key performance indicators, with net profit reaching EGP 6.1 billion, more than five times the baseline year, driven by a significant improvement in asset quality and a diversified loan portfolio.”
He added: “At Emirates NBD – Egypt, we continue to uphold the highest standards of corporate governance and risk management, while maintaining efficiency in capital and liquidity management. We remain committed to adopting best international banking practices and investing in the development of human capital.”
Since beginning operations in Egypt in June 2013, Emirates NBD – Egypt has grown steadily under the wider Emirates NBD Group. The bank now operates through 64 branches nationwide and continues to focus on digital leadership and innovation.
The 2025 results show a bank that is expanding carefully but confidently. With stronger capital, rising deposits, growing loans and continued investment in digital solutions, Emirates NBD – Egypt is positioning itself as a long term financial partner for businesses and individuals alike, supporting growth while safeguarding wealth in a changing economic environment.
