At the conclusion of the Assembly, Board members expressed their appreciation to Mr. Amr Tantawy, Chairman, Mr. Akef El Maghraby, CEO and Managing Director, the Board, executive management, and all employees for their efforts during 2025 and the positive results achieved. The Assembly affirmed its full support for the Bank’s strategy for the coming phase, including continued development of banking services, expansion of the customer base, digital transformation, and reinforcement of governance and sound management principles. It also expressed confidence in the Bank’s ability to maintain strong performance in 2026.

Strong Financial Performance

Suez Canal Bank achieved strong growth across key indicators by the end of 2025. Net profits rose to EGP 6.4 billion compared to approximately EGP 5.7 billion in 2024, representing a growth rate of 13%, supported by a 56% increase in net interest income to EGP 8.6 billion compared to EGP 5.5 billion in 2024.

Total assets increased by 50% to EGP 270 billion at the end of 2025, compared to EGP 180 billion in 2024, driven by a strong 54% growth in deposits to EGP 209 billion versus EGP 135 billion the previous year.

The loans and credit facilities portfolio grew by 63% to EGP 122 billion, compared to EGP 75 billion in 2024. Corporate loans increased by 60% to EGP 112 billion, while retail loans grew by 114% to EGP 11.4 billion compared to EGP 5.3 billion in 2024.

Expansion in Corporate Financing

The Bank strengthened its role in financing key economic sectors, with the direct loans portfolio exceeding EGP 115 billion, up 56%, driven by increased financing for infrastructure, manufacturing, energy, tourism, and fintech sectors.

Corporate deposits exceeded EGP 172 billion, rising by 50%, with around 160 new clients acquired and several syndicated and structured finance deals executed to support national projects and major private-sector expansions.

The Bank also strengthened its presence in the syndicated loans and structured finance market, leading eight transactions worth approximately EGP 14.5 billion, including three structured finance deals totaling about EGP 3.1 billion. The total syndicated and structured finance portfolio reached EGP 22.7 billion across 42 transactions. The Bank also executed its first portfolio acquisition worth EGP 2 billion and established strategic partnerships with fintech companies.

Internationally, the Bank established a specialized office to serve Chinese companies in cooperation with TEDA and signed an MoU with China’s CIPS payment system to facilitate RMB clearing.

Strong Growth in GTB and Trade Finance

The Bank recorded strong growth in cash management, trade finance, and corporate banking services, supported by accelerated digital transformation and technology upgrades.

Digital services saw significant growth, with digital adoption rising to 24% compared to 3% the previous year, while digital usage reached 69% versus 44%, supported by expanded internet banking, payments, collections, automation, government payment services, corporate cards, deposit cards, and credit cards.

Cash management revenues increased by 51%. Import finance rose by 84%, export finance by 40%, guarantees by 58%, and total fees by 74.5%.

Diversification of Income Sources and Capital Markets Activities

The Bank continued expanding its activities in fixed-income instruments, investment management, and capital market services, with transaction volumes growing by 163% year-on-year.

It also launched advanced corporate risk-management solutions, including currency hedging tools and interest-rate derivatives, helping companies manage market risks and enhance financial stability.

Continued Support for SMEs

Suez Canal Bank continues to support small and medium enterprises as a key driver of economic growth. The Bank developed an integrated service model for this sector, including tailored financing products, simplified procedures, and wider geographic outreach.

As part of digital transformation, the Bank launched the “Click” platform, an innovative digital financing solution enabling SMEs to obtain funding through automated digital processes, accelerating approvals and improving customer experience.

The Bank is also preparing to launch a Corporate Mobile Application to serve corporate and SME clients, enabling secure and efficient online banking transactions and account management.

Strengthening Relations with International Financial Institutions

The Bank continued strengthening ties with international financial institutions and securing development financing. This included USD 50 million from IFC to support renewable energy and infrastructure projects, plus USD 10 million for trade finance. It also obtained USD 25 million from EBRD to support entrepreneurship and women-led businesses, in addition to USD 25 million for trade finance.

Growth in Retail Banking

Retail banking achieved notable growth in 2025. Retail loans increased by 114%, individual deposits by 77%, and the customer base by 23%.

Credit card portfolios grew by 86%, and ATM transactions increased by 31%.

The Bank launched the “Prive” program within its Affluent & Private Banking services for high-net-worth clients and business owners, along with new certificates and financing products. It also introduced nine new credit card products during 2025.

The branch network expanded to 55 branches and approximately 125 ATMs by December 2025.

Accelerated Digital Transformation

The Bank continued implementing its digital transformation strategy by developing digital channels, upgrading technology infrastructure, and automating operations to enhance efficiency, service quality, and cybersecurity.

The launch of the retail mobile banking app reduced reliance on branches by 50%.

The Bank also began adopting artificial intelligence technologies to improve banking systems, accelerate product development, and enhance internal operational efficiency.

Sustainability and Sustainable Finance

Suez Canal Bank continues integrating environmental, social, and governance (ESG) principles into its activities, including expanding sustainable finance and supporting projects with positive environmental and social impact, in cooperation with international institutions such as IFC and EBRD.

Awards and Recognition

These efforts resulted in the Bank receiving around 40 local, regional, and international awards in 2025, including advancing six places in the Forbes Middle East rankings and rising 31 positions in the Financial Times list of Africa’s fastest-growing companies.

Supporting Financial Inclusion

The Bank supports national and Central Bank initiatives to promote financial inclusion, enabling all segments of society to access suitable financial products and services.

In this context, the Bank participates in Central Bank-sponsored initiatives to enhance financial literacy and develop products tailored to target groups, particularly youth. This includes offering the “Bedaya” financial inclusion account (from age 15), foreign-currency accounts, and awareness sessions in cooperation with universities, ministries, and civil society organizations.

Social Responsibility

Suez Canal Bank is committed to creating positive social impact through initiatives in healthcare, education, social solidarity, support for people with disabilities, youth, entrepreneurship, women, sports, arts, and culture.

In 2025, the Bank implemented around 12 donations for development projects and empowerment initiatives, benefiting approximately 3,765 people directly, in addition to thousands of patients and vulnerable groups through national initiatives. The Bank also promotes a culture of volunteering among employees through CSR ambassador visits to NGOs, institutions, and hospitals.

As a result of these efforts, the Bank received six CSR awards from international and local organizations in 2025.