AAIB reports solid financial results for 2025

Updated 3/18/2026 9:27:00 AM

Arab Finance: Arab African International Bank (AAIB) reported strong financial results for the year ending December 31st, 2025, with profits and assets rising sharply despite a softer interest rate environment, according to an emailed press release.

Commenting on this, Tamer Waheed, Vice-Chairman and Managing Director, stated: "As we close 2025, we have completed one of the most significant institutional turnarounds in just under three years."

The bank’s total assets more than doubled to exceed $20 billion, while net profit climbed to over $300 million from about $100 million previously, marking a more than six-fold increase in peer-comparable local currency terms. Return on equity returned to double-digit levels.

Net profit reached $362 million in 2025, up 20% year-on-year (YoY), while return on average equity rose to 13%. Net interest income stood at $602 million and net banking income at $714 million, both above prior-year levels.

AAIB said it regained market presence and expanded market share during the period, supported by two consecutive years of strong deposit growth.

The bank used its improved liquidity position to expand corporate and consumer assets by $1.5 billion, restoring its position in investment banking, debt capital markets, and corporate banking transactions.

The lender also strengthened its risk management, control, and governance frameworks, aligning internal standards with international best practices. It obtained ISO 9001 certification for quality management systems, while its internal audit function maintained top global conformance ratings.

Asset quality improved significantly, with the non-performing loan ratio declining to 2.1% from 12% in 2021 following portfolio realignment and recoveries, the bank said.

Liquidity and capital levels remained strong, with a liquidity coverage ratio of 326% and a capital adequacy ratio of 19.3%, providing resilience against market volatility, AAIB added.

The bank said it was recognized with several awards, including Best Investment Bank in Egypt 2025 by International Banker. It also released its first sustainable bond allocation and impact report following the issuance of Egypt’s first and Africa’s largest bank-issued sustainable bond, which received international recognition.

Moreover, AAIB had finalized its 2030 strategy, focused on flexibility, resilience and disciplined execution amid global economic uncertainty and technological change.