Bank NXT, a leading provider of integrated retail and corporate banking solutions in Egypt, announced today its financial results for 2025, reporting a record net profit of EGP 3.17 billion and achieving a strong annual growth rate of 80%. This outstanding performance was driven by product development, strategic partnerships, and the execution of the bank’s ambitious growth plan to meet evolving customer needs.
Net interest income rose 29% to reach EGP 5.03 billion by the end of fiscal year 2025, compared to EGP 3.91 billion in 2024. Operating profit climbed 51% year-on-year
(Y-o-Y) to EGP 7.44 billion, fueled by strong growth in net interest income, a significant expansion of the financing portfolio, and improved asset utilization efficiency.
The total financing portfolio (before provisions) grew 58% to reach EGP 51.31 billion in 2025, up from EGP 32.51 billion in 2024. This was driven by a 51% increase in corporate and institutional financing to EGP 33.39 billion, alongside a 74% surge in retail loans to EGP 17.92 billion. Despite local and global economic challenges, the bank maintained a solid capital adequacy ratio of 22.02%, reinforcing its financial strength and supporting its growth strategy.
Customer deposits reached EGP 79.9 billion by the end of December 2025, reflecting a 17% annual growth rate from EGP 68 billion in the previous year, highlighting growing customer confidence. Total assets increased by 27% to EGP 100.74 billion, while total shareholders’ equity reached EGP 15.4 billion, a strong 87% annual growth.
Tamer Seif El-Din, CEO and Managing Director of Bank NXT, commented: “I am proud of the exceptional performance achieved in 2025, which reflects a true leap in the bank’s journey and is the result of unwavering dedication of our team, the trust of our customers, and a clear executive vision supported by a Board of Directors that believes leadership is a continues journey of growth and progress– driven by disciplined execution and a well-defined expansion strategy. What we achieved this year represents a qualitative shift in business volume, customer base, and operational efficiency. Our human capital remains the cornerstone of our success, driven by a corporate culture of performance and commitment, and teamwork.”
During 2025, the bank increased issued and paid-in capital by EGP 4.2 billion, bringing the total to EGP 9.9 billion. This was achieved through a fully covered rights issue for existing shareholders. Seif El-Din added that this capital increase is a strategic milestone that enhances the bank’s capital base, enabling expansion in sector-wide financing, supporting digital transformation, and strengthening its position as one of Egypt’s fastest-growing banks.
To drive innovation, Bank NXT enhanced its savings and financing products, with high-net-worth segments recording notable growth, increasing their contribution to retail deposits. The bank also redesigned its monthly savings account to offer a competitive rate of up to 18%. Which contributed to attracting EGP 10 billion in new balances.
The credit card portfolio grew by 85% to reach 50,000 cards, while card spending jumped 246% to EGP 4.5 billion, with card balances exceeding EGP 1 billion by year-end. The bank also rolled out several key initiatives, including corporate and prepaid card solutions, the launch of the Infinite metal credit card for “Private Banking” clients, and the NXT WiN loyalty platform, which offers a comprehensive rewards system.
Personal loans achieved growth ratio 70% to reach EGP 13.8 billion within the overall individual loans portfolio. The bank also offered a range of financing solutions, including personal, auto loans, and other individual loans. Moreover, the bank has launched competitive campaigns (particularly for auto loans) alongside strategic partnerships with new and used car dealers to further support growth in this segment
The bank also signed a protocol with the Social Housing and Mortgage Finance Fund to provide EGP 2 billion in mortgage financing for low- and middle-income citizens, up from EGP 800 million in the previous protocol. The bank financed more than 13,000 clients, bringing the mortgage portfolio to EGP 3.085 billion by the end of December 2025, reflecting a growth rate of 71%. The bank also launched a dedicated “Mortgage Hub & Sales” in Maadi to streamline procedures.
Corporate and institutional financing grew by 51% to reach EGP 33.39 billion, driven by the growth in syndicated loans, as well as large corporate and non-bank financial institutions lending, which reached EGP 27.9 billion compared to EGP 17.9 billion in 2024, in addition to the expansion of SME financing. Non-government bond investments also grew by 60% to reach EGP 2.96 billion. The bank also successfully attracted new clients to its credit portfolio, reinforcing its position as a trusted partner for corporates in the Egyptian market. In addition, the bank continued to reduce sector concentration and enhance portfolio diversification, reflecting its resilience and commitment to supporting sustainable economic growth.
On the digital front, Bank NXT partnered with UiPath for intelligent automation, Red Hat for secure open-source digital environments, and IBM, for real-time system monitoring and business automation. The ATM network expanded by 26% to 145 machines, with 97% of the network upgraded. ATM transactions exceeded 4 million, and the bank launched NFC services and mobile wallet capabilities for deposit and withdrawal.
In line with Egypt’s Vision 2030 and ESG standards, the bank’s sustainable financing reached EGP 3.62 billion in 2025, including EGP 1.162 billion for environmental projects (renewable energy and efficiency) and EGP 2.458 billion for social initiatives (SMEs and financial inclusion). The bank also continued to support the transition towards a green economy by expanding its electric vehicle financing portfolio during 2025. The bank also released its second GRI-compliant sustainability report.
Financial inclusion efforts included initiatives for International Women’s Day (opening accounts with no minimum balance), the “Tamkeen” and “Qaderoon” programs to empower women and people with disabilities, and the 15Teen+ account for youth without guardian. The bank also signed a protocol with the Ministry of Youth and Sports.
CSR initiatives, through Bank NXT and the Bank NXT Foundation for Community Development, included partnering with EFG Foundation to support the training and qualification of nursing staff at the treatment centers affiliated with Magdi Yacoub Heart Foundation at Aswan Heart Centre (AHC), partnering with Elsewedy Electric Foundation to sponsor 52 students at Elsewedy Technical Academy, launching health convoys to support the Mervat Sultan Foundation initiative “Egypt in Our Eyes”, sponsoring the Egyptian Paralympic Volleyball team, and collaborating with the Orman Association for Ramadan food distributions.
In recognition of its 2025 performance, Bank NXT received several international awards:
• Fastest Growing Credit Card Portfolio 2025 – Global Brands Magazine.
• Fastest Growing Mortgage Portfolio 2025 – Global Brands Magazine.
• Best Syndicated Loan in Africa 2025 – EMEA Finance (for the Social Housing Fund syndication).
• Best Local Currency Loan in North Africa 2025 – EMEA Finance (for the Telecom Egypt syndication).
• Best Social Media Marketing 2025 – MENA Banking Excellence (for the rebranding campaign).
For the full financial report and management commentary, please visit: www.banknxteg.com
About Bank NXT:
Bank NXT (formerly known as aiBANK) was established in 1974 as an investment and business bank and commenced its activities under the supervision of the Central Bank of Egypt in 1978, with a capital base of USD 40 million.
The bank has witnessed continuous capital growth, reaching EGP 1.9 billion in 2020. Moreover, as per the decisions of the general assembly held on October 10, 2021, and after the completion of the Bank’s acquisition deal, the Bank received approval to increase its paid-up capital to EGP 5 billion and adjusted its ownership structure accordingly to accommodate both new and existing investors, as per the following:
• EFG Holding S.A.E – (51%)
• Egypt’s Financial Services and Digital Transformation Sub-Fund – (25%)
• National Investment Bank – (24%)
Additionally, based on the General Assembly decision dated March 24, 2024, a further capital increase was approved, bringing the total to EGP 5.4 billion
Furthermore, based on the General Assembly decision dated March 20, 2025, a further capital increase was approved, bringing the total to EGP 5.7 billion.
On August 17, 2025, the Bank’s Board of Directors, in accordance with the authorities granted to the Board, approved a cash increase to the Bank’s issued and paid-in capital amounting to EGP 4.2 billion, bringing the total issued and paid-in capital after the increase to EGP 9.9 billion, through the issuance of new shares to existing shareholders in proportion to their current shareholdings, without any change to the ownership structure.
The Bank offers banking services for individuals through its broad spectrum of retail banking products, in addition to its corporate banking services for businesses and institutions through providing loan syndication services to companies and institutions looking to finance large national projects that support the economy and the Bank. The Bank is keen on supporting the growth of small and medium enterprises, which play a crucial role in Egypt’s overall economic and social development, as well as providing investment and treasury services.
The Bank offers its services to its customers through its 36 branches nationwide. It is constantly working on expanding its geographical presence by opening new branches. In addition, the bank is expanding its ATM network to ensure that it covers all key locations. The Bank is also committed to satisfying its customers by providing unique and competitive services and by investing in its technology systems and human capital to improve the overall quality of its banking services.
About EFG Holding
EFG Holding (EGX: HRHO.CA – LSE: EFGD) is a financial institution that boasts a legacy of more than 40 years of success in seven countries spanning two continents. Operating within three distinct verticals — the Investment Bank (EFG Hermes), Non-Bank Financial Institutions (NBFI) (EFG Finance), and Commercial Bank (Bank NXT) – the company provides a comprehensive range of groundbreaking financial products and services tailored to meet the needs of a diverse clientele, including individual clients and businesses of all sizes.
EFG Hermes, the leading investment bank in the Middle East and North Africa (MENA), offers extensive financial services, encompassing advisory, asset management, securities brokerage, research, and private equity. In its domestic market, EFG Holding serves as a universal bank, with EFG Finance emerging as the fastest-growing NBFI platform, comprising Tanmeyah, a provider of innovative and integrated financial solutions for micro and small business owners and entrepreneurs, EFG Corp-Solutions, which provides leasing and factoring services, Valu, a universal financial technology powerhouse, Bedaya for mortgage finance, Kaf for insurance, and EFG Finance SMEs, which provides financial services for small and medium enterprises. Furthermore, the company delivers commercial banking solutions through Bank NXT, an integrated retail and corporate banking product provider in Egypt.
