QNB Egypt's retail loan portfolio continued to grow noticeably in the first nine months of 2026, reaching about EGP 96.82 billion at the end of September 2026, compared with EGP 81.11 billion at the end of December 2025. That is an increase of about EGP 15.77 billion, a growth rate of nearly 19.4%.

Personal loans were the largest component of the retail loan portfolio, rising to about EGP 74.26 billion at the end of September 2026 from EGP 62.14 billion at the end of December 2025, an increase of about EGP 12.11 billion and a growth rate of 19.5%. Personal loans accounted for about 76.6% of the total retail loan portfolio.

Mortgage loans came second at about EGP 14.56 billion at the end of September 2026, compared with EGP 11.94 billion at the end of December 2025, an increase of about EGP 2.72 billion and a growth rate of 22.8%, giving them a share of about 15.1% of the total portfolio.

The credit card portfolio stood at about EGP 3.99 billion at the end of September 2026, compared with EGP 3.31 billion at the end of December 2025, an increase of about EGP 683 million and a growth rate of 20.6%, accounting for about 4.1% of the total retail loan portfolio.

Retail overdrawn current account balances rose to about EGP 4.01 billion at the end of September 2026, from EGP 3.72 billion at the end of December 2025, an increase of about EGP 291.4 million and a growth rate of 7.8%, accounting for about 4.1% of the total portfolio.

Banky's view:

The figures for QNB Egypt's retail loan portfolio show a continued focus on personal loans as the portfolio's main component, with a share of about 76.6%, reinforcing their role in driving the growth of the bank's retail banking business. Mortgage loans also grew noticeably, by 22.8%, in the first nine months of the year, while credit card balances rose by 20.6%, reflecting growth across the various segments of retail financing.