Recording Total Profits Before Taxes of EGP 108.3 billion, Including EGP 39.9 billion in Taxes, to Achieve Net Profit of EGP 68.4 billion for the Fiscal Period Ending September 30, 2025

Receiving Over 80 Awards and Top Rankings from Major Global Institutions for the Year

The bank's financial indicators for business performance showed remarkable growth across all sectors. Total assets reached approximately EGP 3,610 billion by the end of December 2024, compared to EGP 2,551 billion by the end of December 2023, reflecting a 41% growth rate, and reached approximately EGP 4,238 billion by the end of October 2025.

Net customer loans surged by 31% to reach EGP 1,197 billion by the end of December 2024, compared to EGP 912 billion by the end of December 2023, driven by 18% growth in total personal loans and 41% growth in total corporate loans, reaching approximately EGP 1,406 billion by the end of October 2025.

Customer deposits grew 33% to reach EGP 2,498 billion by the end of December 2024, up from EGP 1,875 billion by the end of December 2023 and reached approximately EGP 2,946 billion by the end of October 2025. Total profits before taxes reached EGP 108.3 billion, including EGP 39.9 billion in taxes, achieving a net profit of EGP 68.4 billion for the fiscal period ending September 30, 2025.

Retail Banking Performance

It is worth noting that the retail banking portfolio increased by 18% from the end of December 2023 and by 27% from the end of December 2024 to the end of October 2025. The number of cards issued exceeded 17.3 million. The number of merchant locations contracted directly or indirectly with the bank reached 510,000 locations across all governorates of the Republic. The transaction volume of merchants contracted with the bank (POS terminals - E-Commerce system) exceeded EGP 433 billion by the end of November 2025. The bank ensures that all merchant locations are equipped with the latest POS devices that comply with international standards (PCI DSS), specifically version 4.0.1, meeting the requirements of global payment organizations.

Financial Inclusion Initiatives

Banque Misr places significant emphasis on financial inclusion and works through multiple pillars, in line with the Central Bank's plan to enhance financial inclusion efforts, most notably by transitioning from a cash-based to a cashless society through support and encouragement of electronic payment methods. To this end, the bank has introduced various payroll automation solutions tailored for public and private sector companies, offering a wide range of payroll transfer products (payroll cards and payroll accounts). The bank contracted with 3,963 companies, holding 1.63 million cards and over 491,000 accounts.

The bank has maintained its leading position for the 20th consecutive year since the Ministry of Finance launched the payroll automation system in 2005. Among participating banks, Banque Misr holds a 48% market share, with 2.41 million payroll cards issued to 1,145 government entities contracted with the bank. The total value of payroll transfers for both the public and private sectors, processed through the bank, exceeded EGP 243 billion by the end of November 2025.

Islamic Banking Services

Regarding Islamic retail banking, all modern banking services are provided through 59 Islamic banking branches (Kenana), distributed throughout the Arab Republic of Egypt by the end of November 2025. The Islamic retail banking portfolio increased by 33% from the end of December 2023 and by 32% from the end of December 2024 to the end of October 2025.

SME Financing

Financing for small, medium, and micro-enterprises is provided through branches distributed across all governorates, covering various industrial, agricultural, and service sectors. By the end of October 2025, the small, medium, and micro-enterprise portfolio reached approximately EGP 49.3 billion, up from EGP 42.4 billion at the end of December 2024, reflecting a 16% growth rate. Additionally, the number of customers in the SME portfolio exceeded 134,000 clients in October 2025.

Banque Misr remains dedicated to meeting the diverse needs of all societal segments, driving development by combating unemployment and fostering community growth, and offering various financing programs suitable for projects of different sizes. The Islamic banking portfolio for small, medium, and micro-enterprises reached approximately EGP 5 billion by the end of December 2024, and approximately EGP 6 billion by the end of October 2025, with a growth rate of 20% compared to balances at the end of December 2024.

Innovative financial and non-financial solutions continue to be deployed to support and empower the SME sector, enhancing financial inclusion and sustainable growth. Among the leading banking solutions launched is the Express Small Projects Loan, which has achieved financing exceeding EGP 77 billion through 71,000 loans since its launch in September 2020 to the end of November 2025. The Instant Loan for micro-enterprises was also introduced, providing total financing exceeding EGP 11.8 billion since January 2022. Additionally, the "Zat" program, the first comprehensive financing program targeting women entrepreneurs, has benefited more than 52,000 customers with financing exceeding EGP 5.2 billion since its launch in March 2022.

In terms of non-financial services, the bank established 17 Business Development Service Centers that have provided more than 261,000 non-financial services and contributed to financing 5,453 projects valued at over EGP 3.133 billion since their launch in July 2019 until October 2025. The bank has enhanced this integration by launching its comprehensive digital platform for the enterprise sector, serving as a gateway to meet the needs of entrepreneurs at various stages of their growth.

Corporate Banking

Regarding corporate financing, Banque Misr is one of the largest banks in project financing across various sectors. The corporate credit and syndicated loans portfolio surged by 43% from the end of December 2023 and by 15% from the end of December 2024 to the end of October 2025. The Islamic banking portfolio for corporate credit and syndicated loans surged by 82% from the end of December 2023 and by 14% from the end of December 2024 to the end of October 2025.

During the period from January 1, 2025, to November 30, 2025, Banque Misr successfully arranged, financed, and participated in 19 major financing transactions (conventional and Islamic), with a total financing volume of EGP 348.1 billion across various sectors such as real estate investment and development, telecommunications and information technology, oil and natural gas, petrochemicals, food and beverages, automotive, construction, and tourism. Banque Misr's share in these transactions amounted to approximately EGP 149 billion.

Geographic Expansion and Infrastructure

In line with its financial inclusion strategy, the bank is committed to providing financial services to various segments of society through geographic expansion. Banque Misr has one of the largest branch networks in the Arab Republic of Egypt, with 886 branches by the end of November 2025. In addition to its domestic presence, the bank maintains regional and international presence through 5 branches in the UAE and one branch in France, as well as subsidiaries in Lebanon, Germany, and recently Djibouti, and representative offices in China, Russia, South Korea, Italy, and Kenya, in addition to an extensive network of correspondent banks covering all parts of the world. The bank also operates an advanced network of approximately 6,150 ATMs by the end of November 2025, equipped with the latest technological innovations.

Corporate Social Responsibility

The bank is among the banks committed to corporate social responsibility and is one of the institutions most aware of environmental, social, and governance responsibilities. It is the first state-owned Egyptian bank to receive approval from the Global Reporting Initiative (GRI). The bank also adheres to the United Nations Global Compact's principles on corporate citizenship (corporate social responsibility). Additionally, it has joined the United Nations Environment Programme Finance Initiative (UNEP FI) to launch the "Principles for Responsible Banking". It is worth noting that Banque Misr allocated approximately EGP 1.2 billion in donations for community development during the period from January 2024 to the end of December 2024, and approximately EGP 1.45 billion during 2025.

Awards and Recognition

Banque Misr received over 80 awards and top rankings in 2025 from major global institutions, including Euromoney, EMEA Finance, Global Finance magazine, and The European magazine, recognizing its achievements and efforts across various business sectors. The bank's receipt of these accolades serves as a testament to the trust and loyalty of its customers, who remain the central focus and true partners in its success. The bank continually strives to enhance the quality of its services, maintain long-term success, and actively deliver solutions that meet its customers' needs. Banque Misr's values and business strategies consistently reflect its unwavering commitment to sustainable development and Egypt's prosperity.