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
