Banks operating in Egypt recorded net profits of EGP 601.6 billion in December 2025, a significant increase from EGP 433.8 billion in September, the Central Bank of Egypt (CBE) reported on Saturday.
The CBE said total net interest income reached EGP 1.05 trillion, while total operating income stood at EGP 1.418 trillion. Total sector expenses amounted to EGP 817.2 billion, highlighting the continued strength of core banking operations.
The sector remains highly concentrated. The top 10 banks accounted for 79.3 percent of total profits, or roughly EGP 476.95 billion, while the top five banks generated EGP 405.1 billion, representing a 67.3 percent share of sector profits.
Financial indicators for these leading banks also reflected robust performance. Net interest income for the top 10 banks reached EGP 812.46 billion, with total operating income of EGP 1.138 trillion and expenses of EGP 661.2 billion. Among the top five, net interest income was EGP 685.07 billion, total operating income EGP 990.7 billion, and total expenses EGP 585.6 billion.
Profitability ratios remained stable across the sector. Return on average equity (ROAE) stood at 39 percent, unchanged from previous quarters, while return on average assets (ROAA) was 2.6 percent, and the net interest margin (NIM) reached 5.8 percent.
For the top 10 banks, ROAE was 39.1 percent, ROAA 2.5 percent, and NIM 5.7 percent. For the top five, ROAE stood at 37.6 percent, with ROAA at 2.3 percent and NIM at 5.4 percent.
The figures highlight the resilience of Egypt’s banking sector amid broader economic challenges, supported by rising interest income and efficient cost management.
The report underscores the concentration of the sector, with a small number of banks dominating profitability, yet maintaining stable margins and returns that reflect strong operational performance.
Egypt’s banking sector has been a key driver of domestic economic stability, providing credit, facilitating payments, and supporting government debt issuance, even as inflationary pressures and global financial volatility remain a concern.
The CBE said the robust profit levels reflect both strong interest income and effective management of operational expenses, a combination that positions the sector to continue supporting economic activity across Egypt in 2026.
