The National Bank of Egypt (NBE) has reported impressive financial results for the year ending December 31, 2025, reflecting its growth and success within the banking sector. The bank’s net profit after tax reached EGP 175.5 billion, a considerable increase from EGP 133.3 billion in the preceding year. This robust performance was unveiled during the bank’s general assembly meeting held on Monday.
Financial Highlights and Growth Metrics
In 2025, NBE recorded a pre-tax profit of EGP 312.5 billion, showcasing its ability to generate revenue effectively. The bank’s total assets experienced a striking growth of 13%, rising to EGP 9.2 trillion by the end of December 2025. This figure is a notable increase from EGP 8.1 trillion recorded in 2024 and reached approximately EGP 10.6 trillion by August 2026, underscoring a continual upward trend.
The equity of the National Bank of Egypt also saw a significant rise, climbing by EGP 156 billion year-on-year to hit EGP 690 billion. Customer deposits surged by 15%, reaching EGP 5.7 trillion by December 2025, which translates to an increase of EGP 734 billion since 2024. By August 2026, this amount escalated further to EGP 6.4 trillion. Additionally, the bank’s customer base grew, with 21.7 million clients reported in 2025, an increase from 21.5 million in the previous year.
Loan Portfolio Expansion and NPL Ratios
NBE’s total customer and bank loan portfolio expanded by 22%, amounting to EGP 4.8 trillion in 2025, an increase from EGP 3.9 trillion. This figure continued to rise to EGP 5.8 trillion by August 2026. Corporate loans demonstrated remarkable growth as well, increasing by 23% to EGP 4.2 trillion, surpassing EGP 5 trillion by August 2026. Retail lending also saw a boost, climbing to EGP 438 billion in December 2025—an increase of EGP 81 billion, with forecasts suggesting it could reach EGP 506 billion by the following August. Financing for small and medium-sized enterprises (SMEs) rose approximately 13% to EGP 195 billion.
The bank reported an encouraging drop in its non-performing loan (NPL) ratio to 0.8% of total loans by December 2025, down from 0.9% the previous year. Furthermore, NBE conducted settlements with 8,089 clients with irregular debts totalling EGP 35.1 billion, and collections from NPLs increased to EGP 8.2 billion compared to EGP 5.8 billion in 2024.
Digital Transformation and Social Responsibility Initiatives
The digital transformation of the National Bank of Egypt was exemplified with a significant rise in digital transactions through the InstaPay network, which reached approximately 717 million transfers valued at EGP 2.87 trillion in 2025. This figure reflects a striking 91% increase in transaction value from EGP 1.5 trillion during 333 million transactions in the prior year.
The bank also enhanced its technological infrastructure, boasting 7,572 automated teller machines (ATMs) and 758,000 point-of-sale (POS) terminals. In addition, NBE issued 1.9 million credit cards and 8.4 million debit cards to cater to its expanding customer base.
With an extensive network of over 700 branches, including 38 electronic service branches and international offices in key locations such as Johannesburg, Dubai, and New York, NBE has solidified its presence both domestically and internationally. Furthermore, the bank allocated EGP 2 billion to corporate social responsibility initiatives encompassing health, education, slum development, and support for marginalized communities. Throughout its financial year, NBE garnered several regional and international awards in areas like retail banking, digital services, social responsibility, and financial inclusion, marking its status as a leader in the financial sector.