The National Bank of Egypt has cemented its position in recent years as the country’s largest financial institution and a central pillar of national development.
By combining strong financial results with advances in digital transformation and sustainability, the Bank continues to reinforce its iconic positioning, significant imprint and leadership across the sector, represented by both its financial and non-financial market share.
NBE’s financial results demonstrate market leadership. By August 2025, NBE’s
total assets exceeded E£8.8tr, representing 38.3% of the sector
gross loans portfolio reached E£4.4tr, giving it a market share of 47.1%
corporate loans stood at E£3.837tr and retail loans at E£422bn and
in terms of liability, it maintained the largest deposit base in the country, standing at E£5.6tr, equal to 37.1% of sector deposits
“This liquidity strength equips the Bank with unmatched capacity to finance growth while maintaining resilience across economic cycles,” says Mohamed El Etreby, National Bank of Egypt’s CEO. “Equally important is its systemic significance: NBE’s scale enables it to fund infrastructure and national projects at a level competitors cannot match, reinforcing its strategic significance to Egypt’s economy.”
Beyond financial performance, NBE’s geographical footprint continues to be the widest in Egypt, a key differentiator in accessibility and customer service. As of August 2025, NBE operated:
690 branches
7,369 ATMs
over 731,000 PoS terminals
This expansive presence allows the Bank to serve all customer segments — from urban corporates to rural households — advancing Egypt’s financial inclusion agenda and strengthening NBE’s position as the most renowned and accessible banking brand.
“At the same time, NBE has accelerated its digital transformation to build a more agile, customer-centric, and digitally empowered financial model that complements its unmatched scale,” says El Etreby. The Bank has introduced enhancements to internet and mobile banking, including user-friendly user interface/user experience upgrades, biometric authentication for retail and corporate clients, and an advanced interactive voice response revamp that positions the call center as a branch-like service channel.
On the payments side, Orange Cash alliance — including virtual card numbers and wallet card loading — has extended secure, cashless transaction options for banked and unbanked customers. Furthermore, the rollout of robotics process automation for services like NBE PhoneCash and Al Ahly Net registration has streamlined back office processes, improved accuracy and reduced service time.
Supporting national growth
As Egypt’s largest financial institution, NBE contributes directly to national priorities while advocating sustainable growth. The Bank provides financing that fuels businesses of every size, from major corporates to micro, small and medium enterprises, driving entrepreneurship, job creation and industrial expansion.
It also funds key infrastructure projects, including energy, transport and housing, while advancing financial inclusion by expanding its branch, ATM and digital networks.
NBE has also embedded ESG practices into its operations. The Bank finances solar-powered irrigation and recycling initiatives, expands socially responsible lending and publishes transparent sustainability reports. “By combining financial capacity with a commitment to inclusive growth, NBE is a true and viable engine of Egypt’s long term prosperity,” says El Etreby.
While scale, digital innovation and sustainability define NBE’s external performance, its investment in people ensures service excellence. The Bank develops leadership to navigate digital disruption and sustainability challenges while reinforcing inclusion across its workforce.
By upskilling staff in AI, data analytics and cybersecurity, NBE ensures its people are as competitive as its financial and technological assets.
“To build on these achievements, NBE is developing a new strategic plan in continuation of its 2024 successes,” El Etreby says. “This strategy emphasises maximising revenue streams, diversifying income and embedding customer-centricity into every aspect of operations.”
Central to this effort is a multi-dimensional customer segmentation model, tailoring services and products to client needs. This approach enhances satisfaction, strengthens loyalty and broadens the customer base. It also reflects a strong commitment to innovation, with significant investments in digital technologies to enhance engagement and efficiency.
At the same time, the strategy reinforces NBE’s role in promoting financial inclusion, supporting national priorities and expanding access to banking services. Sustainability is equally integral, as the Bank works to embed sustainable finance principles and expand its portfolio of green and socially responsible products.
KEY DATA
December 2024
Total assets: E£8.1tr ($168bn)
Net profit: E£133.2bn ($2.8bn)
Capital adequacy ratio: 16.5%
Loan-to-deposit ratio: 77%