Emirates NBD – Egypt's retail loan portfolio grew notably in the first half of 2026, rising to about EGP 25.44 billion at the end of June 2026 from EGP 21.8 billion at the end of December 2025. That is an increase of EGP 3.64 billion and a growth rate of 16.7%, reflecting the bank's expansion in financing individual customers' needs, with personal loans continuing to account for the largest share of the total portfolio.

Personal loans were the largest component of the portfolio by value, rising to EGP 19.37 billion at the end of June 2026 from EGP 16.68 billion at the end of December 2025, an increase of EGP 2.69 billion and a growth rate of 16.1%. Personal loans accounted for about 76.1% of total retail loans at the end of June 2026, compared with 76.5% at the end of December 2025, remaining the portfolio's main component despite a slight decline in their relative share.

Car loans grew by 16.3% in the first half of 2026, rising to EGP 3.56 billion at the end of June from EGP 3.06 billion at the end of December 2025, an increase of EGP 498.4 million. Car loans accounted for about 14% of the total retail loan portfolio at the end of June 2026, compared with about 14.1% at the end of December 2025, showing a roughly stable relative share despite higher balances.

Credit cards, meanwhile, posted the highest growth rate among the components of the retail loan portfolio, with balances rising to EGP 2.52 billion at the end of June 2026 from EGP 2.05 billion at the end of December 2025, an increase of EGP 465.5 million and a growth rate of 22.9%. Their share of the total portfolio rose to about 9.9% from 9.4% at the end of December 2025, the largest gain in relative weight among the three components.

The figures show that Emirates NBD – Egypt's retail loan portfolio continues to rely on personal loans as its largest component, alongside accelerating growth in credit cards, which recorded the highest growth rate in the first half of 2026, while car loans kept a roughly stable share of the total portfolio.