The General Assembly of Banque Misr convened on September 21, 2025, to approve the financial statements for the fiscal year ended December 31, 2024. The bank’s financial performance indicators demonstrated a substantial increase in growth rates across all business sectors. By the end of December 2024, the total financial position had reached approximately EGP 3,610 billion, representing a 41% increase from EGP 2,551 billion at the end of December 2023. Furthermore, the total financial position reached EGP 4,120 billion by the end of August 2025. The balance of net direct loans to customers grew significantly, increasing by 31% to reach EGP 1,197 billion at the end of December 2024, up from EGP 912 billion at the end of December 2023. This growth was driven by an 18% rise in total individual loans and a remarkable 41% increase in total corporate loans, which totaled EGP 1,342 billion by the end of August 2025. In terms of customer deposits, the bank experienced a 33% growth, resulting in a total of EGP 2,498 billion by the end of December 2024, compared to EGP 1,875 billion at the end of December 2023. This figure further increased to EGP 2,874 billion by the end of August 2025. Additionally, the bank’s total profits before taxes rose to EGP 127.5 billion, which includes EGP 46.2 billion in taxes. Consequently, the net profit for the fiscal year ending on December 31, 2024, amounted to EGP 81.3 billion.

It is worth noting that the retail banking portfolio increased by an 18% growth rate compared to the balances at the end of December 2023 and by a 22% growth rate by the end of August 2025 compared to the balances at the end of December 2024. The number of cards issued exceeded 15.5 million, and the number of merchant locations contracted directly or indirectly with the bank reached 425,000 locations across all governorates of the republic. The volume of transactions of merchants contracted with the bank (via POS machines and E-Commerce systems) reached more than EGP 319 billion annually. The bank provides these locations with the latest POS machines that are compatible with international standards (PCI DSS), specifically the latest version 3.2.1, in accordance with the requirements of global organizations.

Banque Misr is committed to advancing financial inclusion and is actively engaged in several initiatives aligned with the Central Bank's strategy to enhance these efforts. A primary focus is the transition from a cash-based society to a cashless economy, which is actively promoted through the adoption of electronic payment methods. To facilitate this transition, the bank has developed a range of solutions designed to automate salary disbursements for both public and private sector organizations. Currently, Banque Misr has established partnerships with 5,367 companies, resulting in the issuance of 1.54 million salary cards and the opening of over 423,000 salary accounts.

It is noteworthy that Banque Misr has held the leading position for an impressive 19 consecutive years since the Ministry of Finance introduced its payroll automation system in 2005. This esteemed position is achieved through the participation of banks that collectively hold a 48% market share, having issued 2.16 million cards to 1,136 government agencies that are contracted with the bank. The annual salary disbursements for both the public and private sectors exceed EGP 187 billion, all facilitated through the bank’s services.

As of the end of August 2025, the Islamic retail banking sector has successfully expanded its offerings through 58 dedicated “Kenana” Islamic transaction branches located throughout the Arab Republic of Egypt. Notably, the Islamic retail banking portfolio has experienced significant growth, with a 33% increase compared to the balances recorded at the end of December 2023, and a 27% increase relative to the balances at the end of August 2024.

Banque Misr is dedicated to financing small, medium, and micro enterprises (SMEs) through its extensive network of branches across all governorates, supporting a wide range of industrial, agricultural, and service sectors. As of December 2024, the bank's portfolio dedicated to SMEs reached approximately EGP 42.4 billion, which further increased to approximately EGP 48.1 billion by the end of August 2025. This represents a significant growth rate of 14% compared to the balances at the end of December 2024. By December 2024, the number of clients within the SME portfolio had surpassed 130,000.

In addition, Banque Misr is committed to addressing the diverse needs of all societal segments, actively contributing to economic development by reducing unemployment and enhancing community advancement. The bank provides a variety of tailored financing programs suitable for different project sizes. Furthermore, the Islamic banking portfolio for small, medium, and micro enterprises reached approximately EGP 5 billion by the end of December 2024 and increased to approximately EGP 5.9 billion by the end of August 2025, indicating a robust growth rate of 18% over the balances recorded at the end of December 2024.

Banque Misr remains committed to fostering the growth and empowerment of the micro, small, and medium-sized enterprises (MSMEs) sector by providing innovative financial and non-financial solutions that enhance financial inclusion and promote sustainable development. The bank has introduced several pioneering banking solutions, most notably the "Express" digital loan tailored for small enterprises, which has successfully facilitated financing exceeding EGP 58.4 billion through the disbursement of 57,000 loans since its inception in September 2020, continuing until the end of 2024. Additionally, we offer the "Instant Loan" service specifically designed for micro-enterprises, which has achieved total financing surpassing EGP 10.5 billion since its launch in January 2022. Furthermore, the "ZAT" program, the first integrated financing initiative aimed at supporting female entrepreneurs, has positively impacted over 35,000 clients, providing financing exceeding EGP 3.3 billion since its introduction in March 2022.

As part of its commitment to non-financial support, the bank has established 17 business development services centers, which have collectively provided over 137,000 services since their launch in July 2019. These centers have played a crucial role in financing 4,000 projects, with a total value surpassing EGP 2.48 billion. Additionally, the bank has partnered with Google to offer training in entrepreneurship and digital marketing to more than 25,000 young individuals. This initiative has been further enhanced by the launch of an integrated digital platform aimed at the enterprise sector, providing essential resources for entrepreneurs at various stages of their business journeys.

In terms of financing large enterprises, Banque Misr stands as one of the leading banks nationwide, actively funding projects across diverse sectors. The bank has observed a remarkable 43% increase in its corporate credit and syndicated loan portfolio compared to the balances recorded at the end of December 2023, and an 11% increase compared to those at the end of August 2025. Furthermore, the Islamic banking portfolio in the realm of corporate credit and syndicated loans has experienced an impressive growth of 82% relative to the balances at the end of December 2023, alongside a 10% rise compared to the end of August 2025.

During the year 2024, Banque Misr successfully arranged, financed, and participated in 28 joint financing transactions, both traditional and Islamic, with a total financing volume of EGP 209.1 billion across various sectors, including real estate investment, communications and information technology, electricity, petrochemicals, food production, spinning and weaving, automotive, contracting, and tourism. The bank's contribution to these transactions’ amounts to approximately EGP 66.8 billion.

In the context of financial inclusion, Banque Misr is dedicated to offering financial services to diverse segments of society through strategic geographic expansion. As of August 2025, the bank operates one of the largest branch networks in the Arab Republic of Egypt, consisting of over 880 branches. In addition to its national presence, Banque Misr has established a regional and international footprint with five branches in the UAE and one in France, alongside subsidiary banks in Lebanon and Germany. The bank also maintains representative offices in China, Russia, South Korea, Italy, and Kenya, complemented by a robust network of correspondent banks worldwide. Further enhancing customer convenience, the bank is set to deploy approximately 6,150 ATMs equipped with advanced technology by the end of August 2025.

It is important to highlight that Banque Misr places a strong emphasis on social responsibility and is acutely aware of its environmental, social, and governance obligations. The bank proudly holds the distinction of being the first state-owned Egyptian bank to receive approval from the Global Reporting Initiative (GRI). In alignment with the United Nations Global Compact for Corporate Social Responsibility (CSR), Banque Misr has also joined the United Nations Environment Program’s Finance Initiative to implement the "Principles for Responsible Banking." From January 2024 through December 2024, the bank has allocated approximately EGP 1.2 billion in donations to community development efforts, with an additional allocation of about EGP 1.1 billion from January 2025 to the end of August 2025.

Furthermore, Banque Misr has been recognized with over 80 awards and commendations in 2024 from esteemed international institutions such as Euromoney, EMEA Finance, Global Finance, and The European. These accolades reflect the trust that clients place in the bank, which remains a core focus of its operations. Banque Misr continually strives to enhance the quality of its services, sustain its long-term success, and actively engage in providing comprehensive solutions to meet client needs. The bank’s values and business strategies consistently embody its commitment to sustainable development and the prosperity of Egypt.