The Central Bank of Egypt (CBE) said the aggregate financial position of banks operating in the local market—excluding the central bank—rose to EGP 25.366trn in September 2025, compared with EGP 24.023trn in the preceding June, marking an increase of around EGP 1.343trn.
According to the Central Bank’s latest report, cash balances at banks amounted to around EGP 181.161bn. Interbank balances within Egypt recorded approximately EGP 2.710trn, while balances with banks abroad stood at around EGP 1.724trn.
Customer lending and discount balances reached approximately EGP 9.761trn, while banks’ securities portfolios and investments in Treasury bills totalled EGP 7.662trn. Other assets—details of which were not specified by the Central Bank—amounted to around EGP 3.326trn.
On the liabilities side, banks’ capital stood at approximately EGP 699.853bn, reserves reached EGP 1.070trn, and provisions totalled around EGP 638.687bn.
Interbank liabilities within Egypt amounted to around EGP 1.471trn, while liabilities to banks abroad stood at EGP 652.110bn. Total customer deposits reached EGP 15.324trn, balances of bonds and long-term loans amounted to EGP 963.789bn, and other unspecified liabilities totalled around EGP 4.546trn.
Non-performing loans
The Central Bank said the ratio of non-performing loans (NPLs) declined to 2% of total loans in September 2025, compared with 2.1% in June.
The NPL ratio stood at 1.8% at the largest 10 banks operating in the Egyptian market and 1.5% at the largest five banks.
Banks set aside provisions equivalent to 89.4% of total non-performing loans in September, compared with 90.2% in June. Provision coverage reached 92.5% at the largest 10 banks and 93.9% at the largest five banks.
The CBE said total provisions for doubtful debts amounted to around EGP 638.687bn in September 2025. Of this total, the top 10 banks accounted for EGP 525.731bn, while provisions at the largest five banks stood at EGP 468.840bn.
Banks’ reserves reached EGP 1.070trn, with the top 10 banks holding EGP 836.451bn, while reserves at the largest five banks amounted to around EGP 717.547bn.
Private sector lending
The Central Bank reported a slight decline in the private sector’s share of total lending, which eased to 43% in September 2025 from 43.3% in June.
The private sector accounted for 36.7% of total loans at the largest 10 banks and 32.8% at the largest five banks.
Total lending and discount balances rose to around EGP 9.761trn in September, compared with approximately EGP 9.322trn in the preceding June, representing an increase of around EGP 439bn.
Lending and discount balances at the largest 10 banks amounted to EGP 7.707trn, while those at the largest five banks stood at EGP 7.296trn.
Loan-to-deposit ratio
The Central Bank revealed that the loan-to-deposit ratio rose to 64.3% in September 2025, compared with 63.3% in June. The ratio reached 65.1% at the largest 10 banks and 67.8% at the largest five banks.
In local currency, the ratio increased to 56.1%, compared with 54.7%, standing at 53.6% at the largest 10 banks and 54.3% at the largest five banks.
In foreign currencies, the loan-to-deposit ratio rose to 91.2%, compared with 88.6%. It reached 103.4% at the largest 10 banks and 116% at the largest five banks.
Customer deposits
The Central Bank said total customer deposits rose to around EGP 15.324trn in September 2025, compared with EGP 14.887trn in June, an increase of around EGP 437bn.
Deposits at the largest 10 banks amounted to approximately EGP 11.948trn, representing 77.969% of the total, while deposits at the largest five banks reached around EGP 10.480trn, accounting for 68.389%.
The deposit-to-assets ratio stood at 50.5% in September, compared with 62.1% in June. This ratio reached 59.7% at the largest 10 banks and 58.8% at the largest five banks.
Liquidity indicators
The average actual liquidity ratio in local currency rose to 40.9% in September 2025, compared with 38.6% in June. The ratio reached 42.1% at the largest 10 banks and 40.4% at the largest five banks.
In foreign currencies, the average actual liquidity ratio increased to 77.8%, compared with 74.4%, reaching 79.5% at the largest 10 banks and 78.9% at the largest five banks.
Securities and Treasury bills
The Central Bank said banks’ investments in securities and Treasury bills rose to around EGP 7.662trn in September 2025, compared with EGP 7.113trn in June, an increase of around EGP 549bn.
Investments by the largest 10 banks rose to approximately EGP 6.219trn, up from EGP 5.768trn, while investments at the largest five banks reached around EGP 5.472trn, compared with EGP 5.144trn previously.
The ratio of banks’ securities portfolios—excluding Treasury bills—to total assets rose to 20.3% in September, compared with 20.2% in June. This ratio reached 21.9% at the largest 10 banks and 23.1% at the largest five banks.
Capital adequacy
The Central Bank said the ratio of the capital base to risk-weighted assets rose to 19.2% in September 2025, compared with 18.6% in June. The ratio stood at 18.9% at the largest 10 banks and 18.3% at the largest five banks.
The Tier 1 capital ratio increased to 16.1%, compared with 15.4%, while the Common Equity Tier 1 ratio rose to 14%, up from 13.2%.
The leverage ratio reached 7.7% in September, compared with 7.6% in June. It stood at 7.2% at the largest 10 banks and 6.9% at the largest five banks, well above the regulatory minimum of 3%.
Net open foreign currency positions
The Central Bank said net open foreign currency positions rose to 5.2% of banks’ total capital base in September 2025, compared with 4.8% in June.
This ratio reached 6.4% at the largest 10 banks and 7.2% at the largest five banks. The CBE stressed that the total surplus or deficit in foreign currency positions must not exceed 20% of a bank’s capital base.
