Banque Misr's general assembly approved the bank's financial statements for the year ended 31 December 2025 on Monday, 5 October 2026. The financial indicators showed a surge in growth across all business lines. Total assets reached about EGP 4,205 billion at the end of December 2025, up 16% from EGP 3,610 billion at the end of December 2024. Net direct loans to customers jumped 17% to EGP 1,403 billion at the end of December 2025, from EGP 1,197 billion a year earlier, driven by 27% growth in total retail loans and 17% growth in total corporate loans. Customer deposits grew 17% to EGP 2,935 billion at the end of December 2025, from EGP 2,498 billion at the end of December 2024. Pre-tax profit rose to EGP 154.7 billion, including EGP 53.8 billion in taxes, bringing net profit for the financial year ended 31 December 2025 to EGP 100.9 billion, compared with EGP 81.3 billion for the year ended 31 December 2024, growth of more than 24%.

The retail banking portfolio grew 27% over its end-December 2024 balances, and by 22% at the end of August 2026 over its end-December 2025 balances. The number of cards issued exceeded 17.4 million, and the bank has around 515,000 merchant locations contracted directly or indirectly across all of Egypt's governorates. Transactions by the bank's contracted merchants (POS terminals and e-commerce) exceed EGP 540 billion a year, and the bank equips these locations with the latest POS terminals compliant with the international PCI DSS standard, in line with the requirements of international organizations.

Banque Misr places great emphasis on financial inclusion and works along several lines in step with the Central Bank's plan to strengthen inclusion efforts. Chief among them is the shift from a cash-based to a cashless society by supporting and encouraging the use of electronic payments. To that end, the bank offers a range of payroll automation solutions for public- and private-sector companies through various salary transfer products (payroll cards and payroll accounts). The number of companies contracted with the bank has reached 3,873, with 1.6 million cards and more than 499,000 accounts.

Banque Misr has held first place for the 20th consecutive year among banks taking part in the Ministry of Finance's payroll automation system since its launch in 2005, with a market share of 46.5% and 2.2 million cards belonging to the 1,145 government entities contracted with the bank. Salaries for both the public and private sectors transferred through the bank exceed EGP 267 billion a year.

In Islamic retail banking, the bank offers a full range of modern banking services through 59 "Kenana" Islamic banking branches across Egypt as of the end of August 2026. The Islamic retail banking portfolio rose to about EGP 7.7 billion, growth of 30% over its end-December 2024 balances, and grew 34% by the end of August 2026 over its end-December 2025 balances to reach about EGP 10.4 billion.

Banque Misr also finances small, medium and micro enterprises through its branches in every governorate, across the industrial, agricultural and services sectors. The SME and micro-enterprise portfolio grew 11% over its end-December 2024 balances, and 8% by the end of August 2026 over its end-December 2025 balances. The SME portfolio had more than 131,000 clients in December 2025.

Banque Misr is keen to meet the varied needs of all segments of society, helping drive development by fighting unemployment and contributing to community development, and offers a range of financing programs suited to projects of different sizes. The Islamic banking portfolio for small, medium and micro enterprises grew 17% over its end-December 2024 balances, and 11% by the end of August 2026 over its end-December 2025 balances.

Banque Misr continues its efforts to support and empower the SME and micro-enterprise sector through innovative financial and non-financial solutions that promote financial inclusion and sustainable growth. Among the pioneering banking solutions it has launched is "Express", a digital loan for small businesses, which has extended EGP 79.15 billion in financing through 73,190 loans from its launch in September 2020 to December 2025. The bank also introduced the "Instant Loan" for micro enterprises, with total loans exceeding EGP 14.5 billion from its launch in January 2022 to December 2025, as well as "Zat", the first integrated financing program for women entrepreneurs, which has granted more than 52,000 loans worth over EGP 5.3 billion from its launch in March 2022 to December 2025.

On the non-financial side, the bank launched 17 business development service centers that have provided more than 261,000 services since their launch in July 2019 and helped finance more than 5,000 projects worth over EGP 3.20 billion. It also partnered with Google to train thousands of young people in the basics of entrepreneurship and digital marketing. The bank reinforced this with the launch of its integrated digital platform for the enterprise sector, a comprehensive gateway serving entrepreneurs at every stage of growth.

In large corporate finance, Banque Misr is one of the biggest lenders to projects across all sectors. The corporate credit and syndicated loans portfolio rose to about EGP 1.3 trillion, growth of 17% over its end-December 2024 balances, and grew 11% by the end of August 2026 over its end-December 2025 balances to reach about EGP 1.5 trillion. The Islamic banking portfolio for corporate credit and syndicated loans rose to about EGP 39.5 billion, growth of 20% over its end-December 2024 balances, and stood at about EGP 28 billion at the end of August 2026.

Banque Misr completed the arrangement, financing of and participation in around 23 financing deals (conventional and Islamic) with total financing of EGP 390.5 billion, of which Banque Misr's share was EGP 179.9 billion. The deals spanned many sectors, including real estate investment and development, telecommunications and IT, oil and natural gas, petrochemicals, food and beverages, automotive, contracting and tourism.

As part of its financial inclusion drive, the bank is keen to make financial services available to all segments of society through geographic expansion. Banque Misr has one of the largest branch networks in Egypt, the Middle East and North Africa, with 901 branches and units inside Egypt as of the end of August 2026. It also has an advanced network of about 6,700 ATMs as of the end of August 2026, equipped with the latest technology. In addition, it has a regional and international presence through a network of overseas branches, subsidiary banks and representative offices in Africa, the Middle East, Europe and Asia, as well as a wide network of correspondent banks covering the whole world.

Banque Misr is a bank that believes in social responsibility and is among the institutions most attuned to environmental, social and governance responsibilities. It is the first Egyptian state-owned bank to receive approval from the Global Reporting Initiative (GRI), the international standards body for sustainability reporting. The bank also complies with the UN Global Compact principles of corporate citizenship (corporate social responsibility) and has joined the UN Environment Programme Finance Initiative in launching the "Principles for Responsible Banking". Banque Misr has contributed to numerous community development initiatives and activities, with total contributions of about EGP 1.5 billion as of the end of December 2025.

Banque Misr won 85 awards and top rankings in 2025 from major international institutions, including Euromoney, EMEA Finance, Global Finance magazine and the UK's The European magazine, in recognition of its achievements and efforts across its business lines. The bank sees these awards as a testament to the trust of its customers, who are always its focus as partners in its success. It continually seeks to enhance the quality of its services, sustain its long-term success and actively provide services that meet its customers' needs, with its values and strategies reflecting its commitment to sustainable development and prosperity for Egypt.