Financial Stability Indicators Confirm the Resilience of Egypt’s Banking Sector
the capital adequacy ratio improved to 19.6%, surpassing the regulatory minimum of 12.5%. Asset quality also strengthened, with non-performing loans dropping to 1.9% of total loans, covered by 90.2% in provisions. Liquidity levels remained high, reaching 40.3% in local currency and 79.5% in foreign currency, well above the regulatory thresholds of 20% and 25%, respectively.
The loan-to-deposit ratio stood at 66.4%, while profitability remained strong, with a return on equity of 39.0% by the end of FY 2024. This financial resilience enhances the ability of banks to support the national economy, aided by the Central Bank of Egypt’s rigorous oversight and adherence to global financial safety standards.