Bank ABC – Egypt’s announcement of EGP 2.41 billion in net profit for 2025, reflecting a 17% year-on-year growth (22% excluding FX revaluation effects), highlights a balanced and sustainable growth model. Below are the 10 key drivers behind this strong performance:

1. Diversified Revenue Streams

Total operating income increased by 15% to EGP 5.96 billion, reflecting successful diversification across interest income, fees, and banking services.

2. Growth in Net Interest Income

Net interest income rose by 12% to EGP 5 billion, driven by prudent loan portfolio expansion and effective asset-liability management.

3. Strong Loan Portfolio Expansion

Total loans and credit facilities grew by 22% to EGP 40.7 billion, demonstrating the bank’s ability to capture financing opportunities while maintaining asset quality.

4. Stable Deposit Base

Customer deposits increased by 6% to EGP 73.6 billion, providing a solid and stable funding base to support continued expansion.

5. Balanced Asset Growth

Total assets reached EGP 90.2 billion, up 8%, reflecting disciplined growth while maintaining liquidity and capital strength.

6. Significant Growth in Business Banking

The number of business banking clients surged by over 300%, with the portfolio expanding by more than 400%, signaling successful penetration of the SME and corporate segments.

7. Innovative Specialized Products

Programs such as the “Doctors Program” and tailored solutions for asset finance, POS financing, and supply chain services strengthened the bank’s competitive positioning.

8. Investment in Digital Transformation

The launch of a new mobile banking application and continued investment in digital infrastructure enhanced customer experience and operational efficiency.

9. Focus on Sustainable Finance

The bank expanded its sustainable finance portfolio across healthcare, education, clean energy, and waste management, aligning with Egypt’s Climate Strategy 2050.

10. Strong Governance and Risk Management

Profit growth alongside a solid balance sheet reflects disciplined cost control, improved efficiency ratios, and effective risk management practices.

Bank ABC – Egypt’s 2025 results demonstrate a well-executed strategy centered on digital transformation, SME empowerment, diversified income streams, and sustainable finance—positioning the bank for continued growth in 2026 despite regional and global economic challenges.