The mixed stability sheet of banks working in Egypt, excluding the Central Financial institution of Egypt (CBE), expanded by EGP 2.765trn throughout the first quarter (Q1) of 2026, reaching EGP 26.887trn in March, in contrast with EGP 24.122trn in December 2025, in accordance with the most recent CBE information.
The rise was supported by continued progress in buyer lending, deposits and investments in securities and Treasury payments, whereas key asset high quality indicators remained broadly steady.
On the asset aspect, banks held money balances of EGP 204.587bn. Balances with home banks reached EGP 2.991trn, whereas balances with banks overseas totalled EGP 1.782trn.
Loans and low cost balances prolonged to prospects rose to EGP 11.390trn, whereas banks’ investments in securities and Treasury payments elevated to EGP 8.618trn. Different property, which weren’t damaged down by the CBE, amounted to roughly EGP 1.9trn.
On the liabilities aspect, paid-up capital stood at EGP 739.130bn, reserves totalled EGP 1.256trn, and provisions reached EGP 745.636bn.
Liabilities to home banks amounted to EGP 2.051trn, whereas liabilities to international banks stood at EGP 715.976bn. Buyer deposits climbed to EGP 16.884trn, excellent bonds and long-term loans reached EGP 1.114trn, and different liabilities, which weren’t detailed by the CBE, totalled EGP 3.378trn.
Non-performing loans
The CBE mentioned the banking sector’s non-performing mortgage (NPL) ratio remained unchanged at 1.9% in March 2026, matching the extent recorded in December 2025.
The ratio stood at 1.6% among the many ten largest banks and 1.3% among the many 5 largest banks.
Provision protection eased barely to 88% of whole non-performing loans, in contrast with 90.2% three months earlier. Protection reached 90.3% among the many ten largest banks and 93.4% among the many 5 largest.
In accordance with the CBE, whole provisions put aside for uncertain money owed reached EGP 745.636bn in March. The ten largest banks accounted for EGP 624.149bn of those provisions, whereas the 5 largest held EGP 561.805bn.
Banks additionally held reserves value EGP 1.256trn, together with EGP 960.179bn on the ten largest banks and EGP 814.967bn on the 5 largest.
Personal sector lending
The personal sector’s share of whole financial institution lending declined to 40.5% in March 2026, in contrast with 41.9% in December 2025, in accordance with the CBE.
The personal sector accounted for 34.2% of lending among the many ten largest banks and 30.4% among the many 5 largest.
Whole loans and low cost balances elevated to EGP 11.390trn from EGP 10.377trn in 2025, representing progress of EGP 1.013trn throughout the quarter.
Excellent loans reached EGP 9.039trn among the many ten largest banks and EGP 8.321trn among the many 5 largest.
Mortgage-to-deposit ratio
The banking sector’s total loan-to-deposit ratio rose to 68.4% within the first quarter, up from 66.4% in 2025.
The ratio reached 69.9% among the many ten largest banks and 74% among the many 5 largest.
The loan-to-deposit ratio in native foreign money edged all the way down to 60.3% from 61%, whereas the international foreign money ratio climbed sharply to 92.9% from 85.4%.
Among the many ten largest banks, the native foreign money ratio stood at 58.5% and the international foreign money ratio at 105%. For the 5 largest banks, the corresponding ratios had been 60.7% and 117.4%.
Buyer deposits
Buyer deposits elevated by EGP 1.117trn to succeed in EGP 16.884trn in Q1 2026, in contrast with EGP 15.767trn in December 2025.
The ten largest banks accounted for EGP 13.116trn, or 77.7% of whole deposits, whereas the 5 largest held EGP 11.345trn, representing 67.2%.
The ratio of deposits to whole property declined to 62.9% from 65.5% in 2025. The ratio stood at 61.8% among the many ten largest banks and 60.6% among the many 5 largest.
The CBE additionally reported that the typical precise liquidity ratio in native foreign money elevated to 42.3% in March from 40.3% in December. The ratio reached 42.2% among the many ten largest banks and 40% among the many 5 largest.
In the meantime, the typical precise liquidity ratio in foreign currency echange declined to 73.4% from 79.5%. It stood at 74.6% among the many ten largest banks and 74.2% among the many 5 largest.
Securities and Treasury payments
Banks’ holdings of securities and Treasury payments elevated by about EGP 793bn throughout Q1 2026 to EGP 8.618trn, in contrast with EGP 7.825trn in December 2025.
Investments by the ten largest banks rose to EGP 6.826trn from EGP 6.185trn, whereas these of the 5 largest elevated to EGP 5.854trn from EGP 5.345trn.
The CBE mentioned the ratio of banks’ securities portfolios, excluding Treasury payments, to whole property declined barely to 21.2% from 21.9%. The ratio stood at 22.6% among the many ten largest banks and 23.7% among the many 5 largest.
Capital adequacy
The banking sector’s capital adequacy ratio declined to 18.5% in March from 19.6% in December, whereas remaining comfortably above regulatory necessities.
The ratio stood at 18.1% among the many ten largest banks and 17.6% among the many 5 largest.
The Tier 1 capital ratio fell to fifteen.5% from 16.5%, whereas the Frequent Fairness Tier 1 (CET1) ratio declined to 13.8% from 14.5%.
Among the many ten largest banks, the Tier 1 ratio stood at 14.8% and the CET1 ratio at 13.1%. For the 5 largest banks, the corresponding ratios had been 14.3% and 12.4%.
The banking sector’s leverage ratio remained unchanged at 7.6%, in contrast with the regulatory minimal requirement of three%. The ratio stood at 7.2% among the many ten largest banks and seven% among the many 5 largest.
Internet open international foreign money positions
In a separate indicator, the CBE mentioned banks’ web open international foreign money place shifted to detrimental 1.6% of whole capital in March 2026, in contrast with a optimistic 4.6% in December 2025.
The ratio stood at detrimental 2% among the many ten largest banks and detrimental 2.2% among the many 5 largest.
The CBE reiterated that the entire surplus or deficit in a financial institution’s international foreign money positions should not exceed 20% of its capital base.
