Banque Misr's General Assembly approved the bank's financial statements for the fiscal year ended December 31, 2025, during its meeting held on Monday, October 5, 2026. The bank's financial indicators showed a surge in growth rates across all business sectors, with total assets reaching approximately EGP 4.205 trillion at the end of December 2025, up 16% from EGP 3.610 trillion at the end of December 2024.

Net direct customer loans rose 17% to reach EGP 1.403 trillion at the end of December 2025, compared with EGP 1.197 trillion at the end of December 2024, driven by 27% growth in total retail loans and 17% growth in total corporate loans. Customer deposits grew 17% to reach EGP 2.935 trillion at the end of December 2025, compared with EGP 2.498 trillion at the end of December 2024.

The bank's total pre-tax profit surged to EGP 154.7 billion, including EGP 53.8 billion in taxes, bringing net profit for the fiscal year ended December 31, 2025 to EGP 100.9 billion, compared with EGP 81.3 billion in net profit as of December 31, 2024, representing growth exceeding 24%.

The retail banking portfolio grew 27% compared with balances at the end of December 2024, and a further 22% by the end of August 2026 compared with balances at the end of December 2025. The number of cards issued surpassed 17.4 million, while the number of merchant locations contracted directly or indirectly with the bank reached 515,000 across all governorates of the Republic. Annual transaction volumes through merchants contracted with the bank—via POS terminals and e-commerce systems—exceeded EGP 540 billion, with the bank providing merchants at these locations with the latest POS terminals compliant with international standards (PCI DSS), in line with the requirements of international organizations.

Banque Misr places significant emphasis on financial inclusion, operating across several fronts in alignment with the Central Bank of Egypt's plan to strengthen financial inclusion efforts, most notably the transition from a cash-based society to a cashless society by supporting and incentivizing the use of electronic payment methods. To this end, the bank has provided a range of payroll automation solutions for public and private sector companies through a diverse set of payroll transfer products (payroll cards and payroll accounts), with the number of companies contracted with the bank reaching 3,873, issuing 1.6 million cards and more than 499,000 accounts.

Notably, Banque Misr has held first place for the 20th consecutive year since the Ministry of Finance's payroll automation system was launched in 2005, among banks participating in the system, with a market share of 46.5% and 2.2 million cards issued for 1,145 contracted government entities. Annual payroll transfers processed by the bank for both the public and private sectors exceeded EGP 267 billion.

In Islamic retail banking, the bank offers the full range of modern banking services through 59 "Kenana" Islamic transaction branches spread across the Arab Republic of Egypt as of the end of August 2026. The Islamic retail banking portfolio rose to approximately EGP 7.7 billion, up 30% from balances at the end of December 2024, and grew a further 34% by the end of August 2026 compared with balances at the end of December 2025, to reach approximately EGP 10.4 billion by the end of August 2026.

Banque Misr finances small, medium, and micro enterprises through its branches across all governorates, covering industrial, agricultural, and service sectors. The SME and microenterprise portfolio grew 11% compared with balances at the end of December 2024, and rose a further 8% by the end of August 2026 compared with balances at the end of December 2025. The number of SME portfolio clients exceeded 131,000 in December 2025.

Banque Misr remains committed to meeting the diverse needs of all segments of society in a manner that supports economic development, combats unemployment, and contributes to community development, offering a variety of financing programs tailored to different project sizes. The Islamic SME and microenterprise financing portfolio grew 17% compared with balances at the end of December 2024, and rose a further 11% by the end of August 2026 compared with balances at the end of December 2025.

Banque Misr continues its efforts to support and empower the SME and microenterprise sector through innovative financial and non-financial solutions that promote financial inclusion and sustainable growth. The bank has launched several pioneering banking solutions, most notably the "Express" digital loan for small businesses, which has provided EGP 79.15 billion in financing through 73,190 loans since its launch in September 2020 through December 2025. The bank also introduced the "Instant Loan" service for microenterprises, with total loans exceeding EGP 14.5 billion since its launch in January 2022 through December 2025, in addition to the "ZAAT" program—the first integrated financing program dedicated to women entrepreneurs—which has granted more than 52,000 loans totaling over EGP 5.3 billion since its launch in March 2022 through December 2025.

As part of its non-financial support, the bank has launched 17 Business Development Service centers, which have delivered more than 261,000 services since their launch in July 2019, helping to finance more than 5,000 projects valued at over EGP 3.20 billion. The bank also partnered with Google to train thousands of young people in the fundamentals of entrepreneurship and digital marketing. Banque Misr has reinforced this integrated approach by launching its comprehensive digital platform for the SME sector, serving as a one-stop gateway that meets the needs of entrepreneurs at various stages of their growth.

In corporate financing, Banque Misr ranks among the largest banks financing projects across various sectors. The corporate credit and syndicated loan portfolio rose to approximately EGP 1.3 trillion, up 17% from balances at the end of December 2024, and grew a further 11% by the end of August 2026 compared with balances at the end of December 2025, to reach approximately EGP 1.5 trillion by the end of August 2026. The Islamic corporate credit and syndicated loan portfolio also rose to approximately EGP 39.5 billion, up 20% from balances at the end of December 2024, reaching approximately EGP 28 billion by the end of August 2026.

Banque Misr successfully arranged, financed, and participated in approximately 23 financing transactions (conventional and Islamic) with a total financing volume of EGP 390.5 billion, with the bank's share in these transactions amounting to EGP 179.9 billion. These transactions spanned numerous sectors, including real estate investment and development, telecommunications and information technology, oil and natural gas, petrochemicals, food and beverages, automotive, contracting, and tourism.

As part of its financial inclusion efforts, the bank remains committed to making financial services accessible to all segments of society through geographic expansion. Banque Misr maintains one of the largest branch networks in Egypt and the Middle East and North Africa region, with 901 branches and units across the Arab Republic of Egypt by the end of August 2026, alongside an advanced network of approximately 6,700 ATMs equipped with the latest technology, as of the end of August 2026. The bank also maintains a regional and international presence through a network of overseas branches, subsidiaries, and representative offices across Africa, the Middle East, Europe, and Asia, in addition to an extensive network of correspondent banks covering the entire world.

Notably, Banque Misr is recognized as one of the banks most committed to corporate social responsibility and among the institutions most attuned to environmental and social responsibilities and governance standards, being the first Egyptian state-owned bank to receive approval from the Global Reporting Initiative (GRI) for its sustainability reporting. The bank also aligns with the United Nations Global Compact's principles of corporate citizenship (corporate social responsibility) and has joined the United Nations Environment Programme Finance Initiative (UNEP FI) in launching the "Principles for Responsible Banking." Notably, Banque Misr contributed to numerous community development initiatives and activities, with total contributions reaching approximately EGP 1.5 billion by the end of December 2025.

Banque Misr received 85 awards and top rankings in 2025 from leading global institutions in recognition of its achievements and efforts across various business sectors, including Euromoney, EMEA Finance, Global Finance magazine, and the British magazine The European. The bank considers these awards a testament to the trust of its customers, who remain at the core of its focus as true partners in success across all its business lines. Banque Misr continues to strive to enhance the excellence of its services, sustain its long-term success, and actively participate in delivering services that meet its customers' needs, with the bank's values and business strategies consistently reflecting its commitment to sustainable development and prosperity for Egypt.