Daily News Egypt reviews the key performance indicators of banks operating in the Egyptian market in 2025, based on the latest report issued by the Central Bank of Egypt (CBE).
Total Assets
The CBE revealed that total assets of the Egyptian banking sector, excluding the Central Bank, stood at EGP 24.122trn in December 2025, compared with EGP 26.399trn in the previous month, reflecting a decline of approximately EGP 2.277trn.
Banks’ cash balances amounted to EGP 160.420bn, while balances held with other domestic banks reached EGP 2.713trn. Deposits and balances held with banks abroad totalled EGP 1.906trn.
Loans and discount balances extended to customers reached EGP 10.377trn, while banks’ securities portfolios and investments in Treasury bills stood at EGP 7.825trn. Other assets, which were not detailed by the CBE, amounted to approximately EGP 1.139trn.
On the liabilities side, banks’ capital totalled EGP 716.751bn, while reserves reached EGP 1.074trn and provisions stood at EGP 686.442bn.
Liabilities to other domestic banks amounted to EGP 1.750trn, while obligations to foreign banks reached EGP 628.126bn. Total deposits stood at EGP 15.767trn, while bonds and long-term loans amounted to EGP 654.244bn. Other liabilities, not specified by the CBE, totalled approximately EGP 2.544trn.
Customer Deposits
The CBE reported that customer deposits increased to EGP 15.896trn in December 2025, up from EGP 15.690trn in November, representing a monthly increase of EGP 206bn.
Government deposits amounted to EGP 3.125trn, including EGP 2.641trn in local currency and the equivalent of EGP 483.701bn in foreign currencies.
Non-government deposits reached EGP 12.770trn, comprising EGP 9.685trn in local currency and the equivalent of EGP 3.084trn in foreign currencies.
Within local-currency non-government deposits, the public business sector accounted for EGP 173.135bn, the private business sector for EGP 1.669trn, households for EGP 7.738trn, and non-residents for EGP 105.241bn.
As for foreign-currency deposits, the public business sector held the equivalent of EGP 185.071bn, the private business sector EGP 996.276bn, households EGP 1.822trn, and non-residents EGP 81.351bn.
According to the CBE, total bank deposits grew by 19.7% in December 2025. Local-currency deposits recorded growth of 26.8%, while foreign-currency deposits increased by 1.5%.
Credit Facilities
The CBE said banks’ credit facilities balance rose to EGP 10.377trn in December 2025, marking an increase of approximately EGP 1.055trn compared with June 2025.
Credit facilities include loans extended by banks to customers, as well as documentary credits and letters of guarantee issued to support import transactions.
The increase was driven by a rise of EGP 376.6bn, or 8.6%, in facilities granted to the non-government sector, alongside an increase of EGP 668.8bn, or 13.8%, in facilities extended to the government sector.
According to the CBE, the increase in government credit reflected a rise of EGP 830.5bn in local-currency facilities, partially offset by a decline of EGP 161.7bn in foreign-currency facilities.
The private business sector accounted for 59.9% of total non-government credit facilities.
By economic activity, the industrial sector received the largest share of non-government credit facilities at 33.1%, followed by the services sector at 27.6%, trade at 8.1%, and agriculture at 1.5%. Unclassified sectors accounted for 29.7% of total balances, with households representing 29.5% of that category.
Domestic Liquidity
The CBE reported that domestic liquidity increased by EGP 954.8bn during the first half of FY2025/26, reaching EGP 14.027trn and recording growth of 7.3%.
The increase was driven by a rise of EGP 545.9bn, or 5.6%, in quasi-money and an increase of EGP 408.9bn, or 12.1%, in money supply.
Growth in quasi-money was mainly attributed to an increase of EGP 634.3bn, or 9.6%, in non-current local-currency deposits, despite a decline in foreign-currency deposits equivalent to EGP 88.4bn, or 2.9%.
Meanwhile, the expansion in money supply was driven by a rise of EGP 346.4bn, or 17.3%, in current local-currency deposits, in addition to an increase of EGP 62.5bn, or 4.5%, in currency circulating outside the banking system.
The CBE noted that the rise in domestic liquidity reflected growth in both net domestic assets and net foreign assets across the banking system.
Net domestic assets increased by EGP 480.4bn during the period, representing growth of 3.9%. This was supported by an increase of EGP 1.647trn, or 11.1%, in domestic credit, alongside a rise of EGP 1.167trn in the negative balance of net budget items.
Domestic credit expanded due to increases in net claims on the government of EGP 1.172trn, claims on the private business sector of EGP 275.5bn, claims on the public business sector of EGP 63.7bn, and claims on the household sector of EGP 135.8bn.
The CBE also revealed that net foreign assets of the banking system increased by the equivalent of EGP 474.4bn during the first half of FY2025/26, representing growth of 64%.
This increase was driven by a rise in banks’ net foreign assets equivalent to EGP 339.2bn, alongside an increase in the Central Bank’s net foreign assets equivalent to EGP 135.2bn.
Reserve Money
Reserve money increased by EGP 104.9bn during the first half of FY2025/26, recording growth of 4.5% to reach approximately EGP 2.425trn in December 2025.
The increase was reflected in a rise of EGP 62bn, or 7.6%, in banks’ local-currency deposits with the CBE, as well as an increase of EGP 42.9bn, or 2.8%, in currency circulating outside the Central Bank’s vaults.
According to the CBE, the growth in reserve money was supported by an increase in net claims on the government of EGP 115bn and a rise in the Central Bank’s net foreign assets equivalent to EGP 135.2bn. These factors were partially offset by an increase in net claims on banks of EGP 78.8bn and a rise of EGP 224.1bn in the negative balance of net budget items.
