National Bank of Egypt's (NBE) general assembly met on Monday, 5 October 2026, to approve the bank's financial statements for the financial year ended 31 December 2025. NBE reported pre-tax profit of EGP 312.5 billion and after-tax net profit of EGP 175.5 billion, compared with EGP 133.3 billion in December 2024.

Continuing NBE's strong results, total assets reached EGP 9.2 trillion in December 2025, compared with EGP 8.1 trillion in December 2024, a growth rate of 13%, and rose to about EGP 10.6 trillion by the end of August 2026. Shareholders' equity rose by about EGP 156 billion in December 2025 from December 2024 to stand at EGP 690 billion.

Reflecting customers' continued trust in NBE, total customer deposits reached EGP 5.7 trillion in December 2025, up EGP 734 billion from December 2024, a growth rate of 15%, and rose to about EGP 6.4 trillion by the end of August 2026. That trust is borne out by the bank's customer base, which reached 21.7 million in December 2025, compared with 21.5 million in December 2024.

As part of the bank's drive to stimulate the national economy across sectors, the total loan portfolio to customers and banks grew by about 22% from December 2024, standing at EGP 4.8 trillion at the end of December 2025, compared with EGP 3.9 trillion in December 2024, and continued to grow to about EGP 5.8 trillion by the end of August 2026.

Believing in the vital role small and medium enterprises play in achieving national economic and social goals, and in the need to support a sector capable of delivering integrated, balanced economic development, creating jobs across all sectors and reducing unemployment, the bank extended SME financing of EGP 195 billion in December 2025, a growth rate of 13%, reaching EGP 218 billion by the end of August 2026, compared with EGP 172 billion in December 2024.

In large corporate finance, NBE continued to support its clients and the national economy as a whole by providing the financing needed for economic growth and to back national projects in sectors that touch citizens' needs. The large corporate loan portfolio rose by about EGP 779 billion to EGP 4.2 trillion in December 2025, a growth rate of 23%, and exceeded EGP 5 trillion by the end of August 2026, compared with EGP 3.4 trillion in December 2024.

In retail banking, the loan portfolio rose to EGP 438 billion in December 2025, an increase of EGP 81 billion and a growth rate of 23% from December 2024, reaching about EGP 506 billion by the end of August 2026.

On non-performing debt, settlements were reached with about 8,089 non-performing clients with total debts of about EGP 35.1 billion. The bank also supported a number of struggling clients, injecting additional financing to help them overcome their financial difficulties after detailed studies and while safeguarding the bank's position. The ratio of non-performing loans to total loans stood at 0.8% in December 2025, compared with 0.9% in December 2024, underlining NBE's support for its clients in all circumstances and its application of the highest credit assessment standards. In addition, collections from non-performing debt reached about EGP 8.2 billion in December 2025, compared with about EGP 5.8 billion in December 2024.

In line with the bank's strategy of prioritizing the best services for its customers, continuing to advance financial inclusion and strengthen digital banking, particularly to reduce crowding in its branches, the bank continued to develop its digital channels and expand the base of users of its electronic services. The total number of outgoing and incoming instant transfers via IPN (InstaPay) in 2025 reached approximately 717 million transactions worth a total of EGP 2.87 trillion, compared with 333 million transactions worth only EGP 1.5 trillion in 2024, an increase in value of 91%.

The number of ATMs rose to 7,572 in December 2025, compared with 7,232 in December 2024, and the number of POS terminals rose to 758,000, compared with 633,000 in December 2024. The bank had 1.9 million credit cards and 8.4 million debit cards.

Applying the bank's geographic expansion strategy to make banking easier for customers and reach the widest possible customer base, especially in areas without adequate banking services, the number of branches rose to more than 700 branches, offices and banking units across the country, including about 38 electronic service branches. The bank also has offices in Johannesburg (South Africa), Dubai (UAE) and Addis Ababa (Ethiopia), and branches in New York (United States), Shanghai (China) and Riyadh (Saudi Arabia).

Believing in the importance of social responsibility, which directly helps meet part of Egyptians' health, education and living needs, the bank's policy has focused on three main pillars: the health sector, education, and upgrading informal settlements and fighting poverty, along with supporting female breadwinners and people with disabilities. The bank's total social responsibility contributions reached about EGP 2 billion, granted in line with sustainable development standards to ensure the greatest impact on Egyptian citizens.

Crowning the efforts of all its teams, the bank won numerous awards during the financial year ended December 2025 in retail banking, social responsibility, financial inclusion, digital services and its website, and achieved leading positions in several local and African rankings from a number of international and regional institutions specializing in economics and banking.