The United Bank Achieves EGP 2.3 Billion Net Profit as of December 31, 2025; Assets Grow to EGP 99.8 Billion

08/03/2026

The United Bank achieves EGP 2.3 billion net profit in December 31, 2025, and witnesses asset growth reaching EGP 99.8 Billion, according to standalone financial statements

Tarek Fayed – Chief Executive Officer and Managing Director, 
•    The United Bank consolidates its position as a supporting partner for comprehensive development plans.  
•    The Bank’s success in turning challenges into sustainable growth confirms the resilience of its strategy.  
Cairo: March 8, 2026
The standalone financial statements of The United Bank for the fiscal year ending on December 31, 2025, showed clear growth indicators in total assets, as well as the deposit and loan portfolios.  
The total financial position recorded around EGP 99.8 billion by the end of December 2025, compared to EGP 82.7 billion by the end of December 2024. This represents an increase of EGP 17.1 billion and a growth rate of 21%, reflecting the Bank's capacity to strengthen its asset base amidst an economic environment characterized by regional and global challenges.  
Focus on Deposit and Loan Growth Driven by Customer Trust
Total customer deposits rose to EGP 75.8 billion by the end of December 2025, compared to EGP 62.6 billion by the end of December 2024. This is an increase of EGP 13.2 billion and a growth rate of 21%. This performance was driven by:  
Corporate Deposits: Reached EGP 28.1 billion by the end of December 2025, compared to EGP 25.6 billion by the end of December 2024—an increase of EGP 2.5 billion and a growth rate of 10%.  
Retail (Individual) Deposits: Reached EGP 47.7 billion by the end of December 2025, compared to EGP 37 billion by the end of December 2024—an increase of EGP 10.7 billion and a growth rate of 29%.  
This reflects the growing trust of both retail and corporate customers. Retail deposits accounted for about 63% of total customer deposits, while corporate deposits accounted for about 37% of total deposits.  
Total loans and facilities reached EGP 38.3 billion by the end of December 2025, compared to EGP 31.2 billion by the end of December 2024—an increase of EGP 7.1 billion and a growth rate of 23%. This was due to:  
Retail Loans: Reached EGP 9.4 billion by the end of December 2025, compared to EGP 8.3 billion by the end of December 2024—an increase of EGP 1.1 billion and a growth rate of 13%.  
Corporate Loans: Reached EGP 26 billion by the end of December 2025, compared to EGP 20.8 billion by the end of December 2024—an increase of EGP 5.2 billion and a growth rate of 25%.  
Micro, Small, and Medium Enterprises (MSMEs) Financing Portfolio: Reached EGP 2.92 billion by the end of December 2025, compared to EGP 2.05 billion by the end of December 2024—an increase of EGP 0.87 billion and a growth of 42%.  
Equity increased to reach EGP 17.7 billion by the end of December 2025, compared to EGP 14.3 billion at the end of 2024, representing a growth rate of 24%, supported by an increase in reserves and retained earnings.  
Financial Performance and Indicators
Net Profit After Tax: Reached EGP 2.3 billion during the year 2025.  
Net Profit Before Tax: Reached EGP 3.5 billion by the end of the year.  
Net Interest Income: Rose to record EGP 5.1 billion by the end of 2025, compared to EGP 4.6 billion in 2024—a growth rate of 11%.  
Net Fee and Commission Income: Recorded around EGP 0.7 billion during 2025, compared to EGP 0.6 billion in 2024—a growth rate of 9%.  
The positive financial indicators of The United Bank include maintaining a strong capital base and financial position. The Capital Adequacy Ratio (CAR) reached 22.07%, which exceeds the thresholds set by the Central Bank of Egypt and the Basel Committee regulations, reflecting the strength of the capital base.  
Non-Performing Loans (NPL) Ratio: Stood at 1.2%.  
Retail NPL ratio: 1.1%.  
Corporate NPL ratio: 1.3%.  
Loan Provision Coverage Ratio: Reached 313%, reflecting the quality of the Bank's assets and the adequacy of provisions.  
Liquidity: The Bank enjoys high liquidity ratios in accordance with the Basel Committee regulations and the ratios prescribed by the Central Bank of Egypt.  
Loan-to-Deposit Ratio: Reached 51% in total, 55% in local currency, and 39% in foreign currency.  
Outstanding Performance for the Investment Sector and Portfolio Diversification to Enhance Returns
The investment sector achieved positive results in 2025, as the fair value of the investment portfolio reached EGP 6.9 billion, compared to EGP 2.6 billion in 2024—an increase of EGP 4.3 billion and a growth rate of 165%.  
Digital Transformation Drives Growth in Banking Transactions
Within the framework of UB's digital transformation strategy which aligns with the directives of The Central Bank of Egypt to support financial inclusion and transition towards a less cash-dependent society, the Bank has developed digital channels such as mobile and internet banking for individuals, and internet banking for corporates. This is in addition to customized solutions for corporate payroll transfers with ease, 7 days a week.  
The United Bank has also integrated with the Instant Payment Network (InstaPay) across The United Bank's electronic channels ("Internet / Mobile Banking"), allowing customers to execute instant payment transactions throughout the week.  
The Bank also succeeded in achieving a remarkable increase in performance indicators for financial transactions for the year 2025. Transactions conducted through internet banking, mobile banking, and the digital wallet reached EGP 4.8 billion, an increase of nearly 100% compared to the previous year. This is supported by an updated and widespread network of 188 ATMs across all governorates of the Republic, through which more than 5 million transactions were executed, totaling EGP 10.5 billion during 2025.  
Special attention was given to providing solutions for people of determination to help them easily access ATM locations, which are currently available in 23 locations across the Republic. The Bank plans to increase investment in ATMs during 2026 to reach 250 ATMs by the end of the year.  
The year 2025 witnessed The United Bank receiving 15 local and international awards. Most notably:  
•    Inclusion of The United Bank among the Top 50 Listed Companies in Egypt by Forbes Middle East.  
•    Selection among the Top 100 African Banks by The Banker magazine.  
•    An award from the Corporate Social Responsibility (CSR) foundation for best practices in corporate social responsibility.  
•    An award from the Leaders institution for media change inspirers.  
•    Recognition from The Union of Arab Banks for its support to the banking sector, and recognition from the Egyptian Ministry of Endowments.  
•    Several awards in the fields of Anti-Money Laundering (AML), Corporate Social Responsibility, Islamic Finance, and Information Security.  
Tarek Fayed, CEO and Managing Director, The United Bank stated that the coming phase will witness several well-studied geographical expansions, the introduction of specialized products suitable for all segments of society, deepening digital transformation, and enhancing financial inclusion.  
Furthermore, the Bank will increase financing directed toward value-added industrial and productive sectors, in addition to developing the green finance portfolio.  
He pointed out that The United Bank works on supporting the objectives of Egypt Vision 2030 by financing supply chains, infrastructure, and manufacturing industries, alongside supporting entrepreneurs and startups through the "Rowad Nile" (Nile Pioneers) initiative under the auspices of the Central Bank of Egypt.  
Fayed emphasized that sustainability has become a governing criterion for decision-making. He stressed that The United Bank continues to integrate Environmental, Social, and Governance (ESG) dimensions into its strategy and plans, believing that the institution's success is closely linked to the well-being of society and the sustainability of the national economy. 
 
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