The National Bank of Egypt (NBE) has announced a net profit after tax of EGP 175.5bn for the financial year ending December 31, 2025. This represents a significant increase from EGP 133.3bn in the previous year. The bank's pre-tax profit for 2025 was EGP 312.5bn. The announcement was made following the bank's general assembly meeting on Monday.
The bank's total assets grew by 13% to EGP 9.2 trillion by the end of December 2025, compared to EGP 8.1 trillion in 2024. By the end of August 2026, the bank's assets had reached approximately EGP 10.6 trillion. The National Bank of Egypt's total equity increased by EGP 156bn year-on-year to reach EGP 690bn. This growth in equity and assets reflects the bank's strong financial performance.
Customer deposits at the National Bank of Egypt rose by 15% to EGP 5.7 trillion in December 2025, an increase of EGP 734bn from 2024. By August 2026, customer deposits had further grown to EGP 6.4 trillion. The bank's customer base expanded to 21.7 million in 2025, up from 21.5 million in 2024. This growth in deposits and customer base demonstrates the bank's ability to attract and retain customers.
The total customer and bank loan portfolio of the National Bank of Egypt expanded by 22% to EGP 4.8 trillion in 2025, up from EGP 3.9 trillion. By August 2026, the loan portfolio had risen to EGP 5.8 trillion. Corporate loans increased by 23%, or EGP 779bn, to EGP 4.2 trillion, compared to EGP 3.4 trillion in 2024. Retail lending also grew by 23%, or EGP 81bn, to EGP 438bn in December 2025.
Financing for small and medium-sized enterprises (SMEs) at the National Bank of Egypt rose 13% to EGP 195bn, compared to EGP 172bn in 2024. By August 2026, SME financing had reached EGP 218bn. The bank's non-performing loan (NPL) ratio dropped to 0.8% of total loans in December 2025 from 0.9% in December 2024. The bank conducted settlements for 8,089 clients with irregular debts totalling EGP 35.1bn.
The National Bank of Egypt has made significant investments in digital infrastructure. Digital transactions through the InstaPay network (IPN) reached approximately 717 million transfers valued at EGP 2.87 trillion in 2025. This represents a 91% increase in value from EGP 1.5 trillion across 333 million transactions in 2024. The bank expanded its infrastructure to 7,572 automated teller machines (ATMs) and 758,000 point-of-sale (POS) terminals.
The National Bank of Egypt has also made significant contributions to corporate social responsibility initiatives. The bank allocated EGP 2bn to initiatives covering health, education, slum development, and support for women and individuals with disabilities. The bank received several regional and international awards in retail, digital services, social responsibility, and financial inclusion during the financial year. The bank's network exceeded 700 branches and units nationwide, including international branches and offices in several cities.
Key points
- National Bank of Egypt's net profit rises to EGP 175.5bn in 2025
- The bank's total assets grow by 13% to EGP 9.2 trillion in 2025
- Digital transactions through the InstaPay network increase by 91% in value to EGP 2.87 trillion in 2025
