Arab Finance: Bank NXT reported a net profit of EGP 3.17 billion in 2025, marking an 80% year-on-year (YoY) increase, supported by product development, partnerships, and the execution of its growth strategy, as per an emailed financial release.
Net interest income rose 29% to EGP 5.03 billion, up from EGP 3.91 billion in 2024, while operating profit increased 51% YoY to EGP 7.44 billion, driven by higher interest income, expansion of the financing portfolio, and improved asset utilization.
The bank’s total financing portfolio before provisions grew 58% to EGP 51.31 billion in 2025, compared to EGP 32.51 billion in 2024.
Corporate and institutional financing increased 51% to EGP 33.39 billion, while retail loans rose 74% to EGP 17.92 billion. The capital adequacy ratio stood at 22.02% despite local and global economic pressures.
Customer deposits reached EGP 79.9 billion by the end of December 2025, reflecting 17% growth from EGP 68 billion a year earlier.
Total assets rose 27% to EGP 100.74 billion, while shareholders’ equity increased 87% to EGP 15.4 billion.
During the year, the bank raised issued and paid-in capital by EGP 4.2 billion to EGP 9.9 billion through a fully covered rights issue for existing shareholders.
The capital increase supports expansion in financing activities, digital transformation, and overall growth plans.
On the retail side, Bank NXT expanded its savings and financing products, with higher contributions from high-net-worth segments.
The redesigned monthly savings account, offering returns of up to 18%, attracted EGP 10 billion in new balances.
The credit card portfolio grew 85% to 50,000 cards, while card spending rose 246% to EGP 4.5 billion, with balances exceeding EGP 1 billion by year-end.
The bank introduced corporate and prepaid card solutions, launched the Infinite metal credit card for private banking clients, and rolled out the NXT WiN loyalty platform.
Personal loans increased 70% to EGP 13.8 billion within the individual loans portfolio, supported by financing products, including personal and auto loans.
The bank also expanded partnerships with car dealers and introduced targeted campaigns to grow auto financing.
In mortgage financing, Bank NXT signed a protocol with Social Housing and Mortgage Finance Fund to provide EGP 2 billion in funding for low- and middle-income customers, up from EGP 800 million under the previous agreement.
The bank financed more than 13,000 clients, bringing its mortgage portfolio to EGP 3.085 billion, a 71% increase, and launched a dedicated Mortgage Hub & Sales office in Maadi.
Corporate and institutional lending continued to expand, supported by syndicated loans and financing for large corporates and non-bank financial institutions, which reached EGP 27.9 billion, compared to EGP 17.9 billion in 2024.
Non-government bond investments grew 60% to EGP 2.96 billion, while SME financing also expanded.
On the digital front, Bank NXT partnered with UiPath, Red Hat, and IBM to support automation, infrastructure, and system monitoring.
Its ATM network expanded 26% to 145 machines, with 97% upgraded. ATM transactions exceeded 4 million, and the bank introduced NFC services and mobile wallet features for deposits and withdrawals.
Sustainable financing reached EGP 3.62 billion in 2025, including EGP 1.162 billion directed to environmental projects such as renewable energy and efficiency, and EGP 2.458 billion allocated to social initiatives, including SMEs and financial inclusion.
