Building on a trajectory of growth and leadership, steadily and through successive achievements, the Housing and Development Bank (HDB) has proven its ability to translate its ambitious strategic vision into tangible outcomes. The year 2025 marked the launch of the first phase of the Bank’s new strategy for the period 2025-2030, representing a qualitative leap that will shape HDB’s journey in the years ahead.
In this context, the Bank continued to deliver strong financial and operational performance during 2025, driven by the effective execution of its new strategic pillars. HDB posted robust results that reflect the strength of its financial position, the efficiency of its operations, and its leadership in offering innovative banking solutions, reaffirming its status as one of Egypt’s largest full-fledged commercial banks and adding another achievement to its record of sustainable success.
The Bank achieved strong growth rates across the board, delivering a qualitative leap in business results across all sectors for the first nine months of 2025. Standalone results show that net profit before income taxes and provisions reached EGP 18.525bn, compared to EGP 12.275bn, an increase of 50.9%. Standalone net profit after income tax reached EGP 13.439bn, compared to EGP 8.271bn, up 62.5% for the first nine months of 2025.
Hassan Ghanem, CEO and Managing Director of HDB, expressed pride in the Bank’s strong financial and operational performance during the first nine months of 2025, reaffirming that the results reflect HDB’s ability to capture available opportunities and translate them into tangible achievements.
This performance was enabled by the Bank’s institutional resilience, optimal resource utilisation, and strong financial position. Ghanem explained that these pillars have allowed HDB to deliver robust financial outcomes and maximise value for all stakeholders through the execution of ambitious plans and strategies focused on continuous development and steady, sustainable growth. This constitutes the first phase of the Bank’s 2025-2030 strategy and builds on the success achieved in previous years.
He added that the strategy represents an integrated roadmap aimed at delivering a qualitative transformation in the Bank’s journey by enhancing performance efficiency, improving business quality, and achieving optimal returns while maintaining low risk levels, thereby strengthening the Bank’s capacity for sustainable, high-quality growth. This aligns with HDB’s aspiration to reinforce its market standing and realise its vision of becoming a bank of choice in Egypt by fostering a culture of innovation, delivering advanced financial solutions, enhancing customer experience, and building deeper trust—ensuring a comprehensive banking journey that meets evolving expectations and reinforces the Bank’s position as one of Egypt’s leading full-fledged commercial banks.
Ghanem confirmed that the Bank continues to focus on improving operational efficiency and proactively managing financing costs. By fully leveraging available opportunities and managing resources effectively to sustainably increase profitability, HDB delivered notable improvements in financial performance. Net operating income rose 50.7% to EGP 21.905bn during the first nine months of 2025, compared to the same period in 2024, reflecting the effectiveness of operational policies and the new strategy’s orientation toward transforming challenges into real growth opportunities.
He pointed to the Bank’s sustained focus on placing customer satisfaction at the forefront of its strategy, understanding customer aspirations, and responding with resilience and efficiency. This expanded the customer base and increased HDB’s market share by strengthening trust and encouraging customers to invest in a diverse suite of banking products and services. This translated into customer deposits increasing by 13.3% to EGP 164.2bn for the period ended 30 September 2025, up from EGP 145bn at 2024-end, an increase of EGP 19.2bn.
This growth was driven by corporate deposits reaching EGP 77bn (+20.1%), with deliberate diversification of the corporate deposits portfolio to reduce risk and enhance financial stability by distributing deposits across a wide range of sectors and companies to ensure sustainability. This was accompanied by growth in retail deposits to EGP 86.8bn (+7.9%) in September 2025. He added that, in line with the 2025-2030 strategy to strengthen the Bank’s image as a full-fledged commercial bank meeting all customer needs, HDB launched several promotional campaigns in 2025 that boosted brand awareness, deepened engagement with target audiences, and increased interaction with the Bank’s products and services.
HDB continued to reinforce its leading position in the Egyptian banking sector, supporting sustainable asset growth. Total assets reached EGP 209.8bn, compared to EGP 179.5bn, an increase of EGP 30.3bn (+16.9%) for the period ended 30 September 2025, underpinned by growth in the loan portfolio across retail and corporate segments. Gross loans stood at EGP 62.4bn (+11.5%) in the first nine months of 2025, driven by corporate and institutional loans of EGP 31.2bn (up EGP 2.9bn, +10.1%) and retail loans of EGP 31.2bn (up EGP 3.6bn, +12.9%).
The NPL ratio declined to 5.3% in the first nine months of 2025, from 6.5% at year-end 2024, reflecting the Bank’s commitment to expanding financing while maintaining portfolio quality and diversifying exposures by sector to ensure sustainable growth. The coverage ratio rose to 163.3% at 30 September 2025, compared to 137.1% at year-end 2024.
He noted that the Bank achieved standout returns thanks to effective strategies across its business lines. Net profit growth during the first nine months of 2025 translated into a higher return on average equity (ROAE) of 61.87%, compared to 60.06% in the comparable period, while return on average assets (ROAA) reached 9.21%, compared to 7.84%. The capital adequacy ratio (CAR) stood at 42.22%, well above the minimum requirement set by the Central Bank of Egypt, with Tier 1 at 41.11% and Tier 2 at 1.11%, underscoring the Bank’s commitment to maximising value for shareholders and all stakeholders.
Technology Partnerships and Rapid Upgrades Strengthen HDB’s Digital Presence
On digital transformation, Ghanem explained that HDB is pursuing an expansive strategy to build an integrated digital ecosystem that meets market requirements and evolving customer expectations. He confirmed the Bank’s ongoing cooperation with leading fintech companies to design flexible, growth-enabling solutions and modernise infrastructure through steadily increasing investments aligned with rapid digital transformation.
Within this framework, HDB enhanced its investments through a strategic collaboration with Cisco to develop its digital infrastructure, particularly in cybersecurity and inter-branch connectivity, improving operational efficiency and enabling a safer, more resilient digital banking experience.
Strategy for Transition to a Green Economy and Sustainable Finance
In addition to strong financial results, Ghanem expressed pride in management’s ongoing efforts to embed sustainability across the Bank’s activities, reaffirming that sustainability is a fundamental pillar of the 2025-2030 strategy. He noted the Bank’s commitment to adopting leading sustainable practices recognised in the banking industry, given their central role in supporting financial stability and achieving the Sustainable Development Goals.
He pointed to the Bank’s participation in financing several strategic projects with environmental and social dimensions that support national directions toward a green economy and sustainable finance. These efforts delivered significant growth in Q3 2025: the Bank allocated EGP 10.585bn to sustainable projects, up 83% year on year, while the sustainable finance portfolio reached EGP 6.93bn, an increase of 70% compared to the same period in 2024, across corporate finance, syndicated loans, and SME projects.
These results illustrate HDB’s ability to translate its sustainability commitment into measurable outcomes by channelling finance to strategic projects with lasting environmental and social impact, supporting the national economy and inclusive development.
Active Role in CSR and Sustainable Development across Sectors
Ghanem highlighted the Bank’s continued efforts to enhance its standing as a responsible financial institution by intensifying its initiatives in corporate social responsibility (CSR) and sustainable development—key pillars of the new strategy. HDB seeks to create a positive, lasting impact by supporting essential sectors, primarily health and education, with particular focus on people of determination, women, and youth, alongside active participation in initiatives that provide training, education, and employment opportunities.
In healthcare, the Bank contributed to the establishment and outfitting of the sterilisation department at the new Magdy Yacoub Heart Center in Cairo. It also supported an eye-screening initiative in underserved villages in collaboration with the Mervat Sultan Foundation for Charitable Work, and continued establishing and equipping two medical clinics in underserved villages, bringing the total number of clinics established in cooperation with the Ibrahim Badran Foundation to six.
In education and community development, HDB supported students at El Sewedy Academy and HDB Technical School in Sadat City, and continued supporting the educational process at the “Man Ahyaha” community schools complex in Sohag under an endowment model.
The Bank also participated in rebuilding and rehabilitating 20 homes in Hegaza, Aswan, in cooperation with Al-Orman Association. In addition, HDB continued its support and empowerment of people of determination by upgrading Al-Noor School for the Blind in Fayoum, cooperating with the Ministry of Social Solidarity to support university students with disabilities, and renovating the dormitory building at Al-Amal School for the Deaf in Fayoum, in partnership with Sonaa El Khair Foundation.
Ghanem concluded by emphasising that corporate social responsibility will remain an essential component of the Bank’s identity and its integrated vision to achieve tangible, sustainable social impact.
Betting on Human Capital: A Strategic Priority for Workforce Development
To strengthen institutional capabilities, Ghanem affirmed that HDB’s 2025-2030 strategy places paramount importance on developing its human capital—the cornerstone of sustainable success. A key value the Bank continues to uphold is becoming an employer of choice by investing in its people, fostering a positive and motivating work environment that supports teamwork and innovation, and offering training programmes that enable continuous upskilling across disciplines, maximising capabilities and productivity and enhancing the Bank’s competitive edge in the Egyptian banking market.
2025: A Year of Distinction – ISO Certifications, Global Awards, and Rankings
Reflecting HDB’s commitment to global institutional best practices, operational excellence, and service quality across all divisions, Ghanem noted that in 2025 the Bank continued to entrench work systems aligned with leading international standards, balancing operational excellence with the requirements of digital transformation and risk management.
In this context, HDB obtained two prestigious ISO certifications, underscoring its adherence to the highest standards of quality, governance, and enterprise security:
- ISO/IEC 27001 in information security and cybersecurity, demonstrating HDB’s prioritisation of information security as a core pillar of digital transformation and its commitment to protecting customer data and operational systems.
- ISO 9001:2015 for the Quality Management System of the Legal Affairs Division, reflecting the division’s ability to deliver legal services under rigorous procedures and world-class quality standards.
Ghanem emphasised that these achievements are the result of cross-bank collaboration and integration, reaffirming HDB’s commitment to a comprehensive institutional system grounded in quality, sustainability, and compliance with top international standards.
Crowning the Bank’s exceptional efforts and the successful execution of a strategy centred on digital transformation, enhanced customer experience, and innovative, sustainable banking solutions, HDB garnered a wide range of prestigious awards from leading international institutions. Among the most notable were Best Commercial Bank, Most Innovative Bank in Cash Management, Excellence in Digital Transformation, and Best in Green and Sustainable Finance, reinforcing the Bank’s leadership across multiple areas.
These accolades strengthen HDB’s reputation as a trusted, innovative banking institution and deepen confidence among customers, investors, and the financial community locally, regionally, and internationally.
Ghanem concluded that HDB’s 2025 results and achievements form a strong launchpad for 2026, as the Bank continues executing its new strategy aimed at delivering balanced, sustainable growth, a more efficient and resilient banking model, and long-term value creation—supporting the national economy with efficiency and responsibility.
