QNB Egypt

Name

QNB Egypt

Legal name

QNB Egypt

Website

https://qnb.com.eg

Company type

Public

Founded year

1978

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Balance-Sheet / Portfolio CRE Lending (FSALADAG), QR Code Payments Wallets (FSAMAEAC)

Keywords

• Retail banking services
• Corporate banking
• Trade finance
• Investment banking
• Digital banking

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest earned on loans (personal, auto, mortgage, SME, corporate) and credit facilities minus interest paid on deposits. Core revenue stream from traditional lending activities.
2. Fee and Commission Income: Account maintenance fees, transaction fees, ATM fees, credit card fees, wire transfer fees, and foreign exchange margins.
3. Trade Finance Services: Fees from letters of credit, letters of guarantee, documentary collection, and trade finance advisory services for corporate clients.
4. Investment Banking Fees: Advisory fees for project finance, mergers and acquisitions, debt arrangements, syndicated facilities, and financial advisory services.
5. Custody and Securities Services: Fees for securities custody, settlement services, dematerialization, portfolio management, and corporate actions processing.
6. Life Insurance Distribution: Commission revenue from distributing QNB Life Insurance products including El Nokhba, Al Rafiq retirement and savings plans.

Pricing tiers

Go-to-market motion2 records

Distribution channels9 records

Marketing channels6 records

Core offering

QNB Egypt operates as a universal bank providing retail, SME, corporate, and investment banking services. Its core offerings include deposit accounts, personal/auto/mortgage loans, credit/debit/prepaid cards, trade finance, treasury and forex, custody and securities services, investment banking advisory, payment acceptance, and life insurance distributed through QNB Life Insurance. The bank also extends leasing and factoring solutions through QNB Leasing and QNB Factoring subsidiaries.

Product overview

QNB Egypt operates as a comprehensive universal banking platform offering an extensive portfolio of products and services across retail, corporate, SME, and investment banking segments. The platform architecture includes digital channels (Internet Banking, Mobile Banking, Phone Banking, WhatsApp Banking, and PortaBank), payment solutions (Visa and MasterCard credit/debit/prepaid cards, Apple Pay integration, and merchant payment acceptance via POS/QR/e-commerce), lending products (personal loans, auto loans, mortgages, and trade finance), deposit products (current accounts, savings accounts, and certificates of deposit), wealth management (QNB First premium banking and Private Banking), insurance (QNB Life Insurance), and investment services (custody, investment funds, and treasury). Corporate clients access dedicated channels including Corporate Internet Banking, SWIFT for international transfers, TradeNet for trade finance, and ACH for batch payments. SME banking is supported through the NilePreneurs initiative and Hayat program for women entrepreneurs. The bank also serves micro enterprises and economic sector clients through financial inclusion accounts with simplified requirements.

Differentiator

Problem solved

Functional benefit

Brands

• QNB First: Premium banking package for high-net-worth individuals maintaining minimum balance of EGP 2,000,000 with exclusive benefits including dedicated relationship manager and premium cards
• QNB Private
• Tamayoz
• Tamayoz Plus
• Banky
• Agyalna
• LAKY
• Ahlan
• QNB First Plus
• Youth Offer YO!
• Pensioners Package
• Family Bank
• Professional Program
• Payroll Package
• Hayat Program
• NilePreneurs

Products and services

• Current and Savings Accounts Range of current and savings accounts in local and foreign currency for individual customers, including minor savings and specialized savings plans.
• Certificates of Deposit Fixed and floating income certificate of deposit products for retail and corporate customers in local and foreign currencies.
• Personal Loans Personal loan products including green loans, bankers' loans, self-employed loans, secured loans, and programs for professionals such as professors and doctors.
• Auto Loans Vehicle financing including car loans (with and without sales prohibition), bike loans, and secured digital car loans for new and used vehicles.
• Mortgage Finance Home financing programs including Top-Notch Mortgage Finance, Aqarat, CBE initiative mortgages at 8% and 12% rates, and Affordable Housing Loan Baitak Ma'ana.
• QNB Credit Cards Range of credit cards including Visa Gold, Visa Platinum, Visa Signature, Clubs, Bankers, and Doctors credit cards with various benefits, rewards, and spending limits.
• QNB Debit Cards Visa and MasterCard debit cards providing access to checking and savings accounts for purchases, cash withdrawals, and ATM transactions in Egypt and internationally.
• Prepaid Cards and Wristband Prepaid payment cards including Visa Shopping/Internet Prepaid, Meeza Prepaid Card, and Wearable Prepaid Wristband for contactless payments.
• Internet Banking Service Web-based online banking platform enabling retail customers to access and manage accounts, conduct transactions, transfer funds, and view account statements.
• Mobile Banking Service Smartphone application providing banking services including account access, fund transfers, bill payments, and card management on iOS and Android devices.
• Phone Banking Service Telephonic banking service allowing customers to perform account inquiries, transactions, and customer service requests via telephone.
• E-Wallet Service Digital wallet service for storing funds and making electronic payments and transfers through mobile devices.
• WhatsApp Banking Banking service delivered through WhatsApp messenger enabling customers to conduct inquiries and basic banking operations via chat interface.
• Apple Pay Integration Digital wallet enabling QNB Visa and MasterCard cardholders to make contactless in-store, in-app, and online payments globally via Apple devices with biometric authentication.
• QNB First Premium Banking Premium banking package for high-net-worth clients maintaining minimum balance of EGP 2,000,000, offering dedicated relationship management, premium cards, special lounges, and exclusive services.
• Private Banking Wealth management and private banking services offering professional relationship management, banking services, wealth management, and lifestyle benefits for high-value clients.
• QNB Life Insurance Life insurance products including El Nokhba, Al Rafiq Retirement, Al Rafiq Graduation, Al Rafiq Projects, Al Rafiq Wedding, and Salary Continuity Program distributed through the bank.
• Corporate Internet Banking Business banking platform enabling corporate clients to manage accounts, conduct transfers, view statements, and manage cash flow through online channels.
• SWIFT for Corporate International wire transfer and payment messaging service enabling corporate clients to send and receive cross-border payments through the SWIFT network.
• ACH Direct Debit and Direct Credit Automated Clearing House service for batch processing of domestic payments including salary disbursements, vendor payments, and recurring billing.
• TradeNet Online platform for managing trade finance activities including letters of credit, letters of guarantee, and documentary collections electronically.
• Trade Finance Services Trade finance products including letters of credit, letters of guarantee, and documentary collection executed by internationally certified (CDCS and CSDG) trade finance specialists.
• Payment Acceptance Solutions Merchant payment acceptance services including PaynGo QR payments, Point of Sale (POS) terminals, and e-commerce payment gateway integration.
• Investment Banking Investment banking services including project and structured finance, financial advisory, debt arrangements, syndicated facilities, and agency services for greenfield and brownfield projects.
• Project Finance Financing solutions for medium, large, and mega-size complex infrastructure and development projects including PPP transactions and renewable energy projects.
• Treasury and Forex Services Treasury services including foreign exchange (FX Spot, Forward, Options, Swaps), fixed income instruments (T-Bills and T-Bonds), money market instruments, and interest rate swaps.
• Custody Securities and Services Securities custody services including client coding, EGX settlement, dematerialization, portfolio transfers, coupons collection, corporate event subscriptions, and treasury bonds management.
• Supply Chain Finance (B2B) Business-to-business financing solutions including B2B credit facilities, digital acceptance tools, payment facilitator services, and supply chain finance packages for retailers and suppliers.
• Financial Inclusion Accounts Banking services for underserved segments including Aamaly package for micro enterprises and economic sector clients with simplified documentation requirements and digital payment acceptance.
• Investment Funds Managed investment funds including Themar, Tawazon, and Tadawol Funds offering diversified portfolio management for retail and institutional investors.
• Payroll Management (Pay Express) Corporate payroll services through the Pay Express program enabling accurate salary processing, disbursement, and employee banking package management.
• SME Banking Comprehensive banking solutions for small and medium enterprises including accounts, financing, POS terminals, trade finance, and business development services.
• QNB Leasing Leasing services for vehicles, equipment, machines, production lines, medical equipment, and real estate offered through the QNB Leasing subsidiary.
• QNB Factoring Factoring services offered locally and internationally to help businesses receive payments quickly rather than waiting for invoice payment.

Quantifiable outcome

• Net profits of EGP 18.6 billion in H1 2026, up 23% year-on-year
• +3 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Nine partnerships are on record, tiered core.

• Cairo Company for Investment, Urban and Industrial Development (Al Rubiky)coreStrategic or Co-development PartnerProtocol agreement under the auspices of the Minister of Industry to encourage development of factories from Soor Magra Al Oyoon area to the leather city in Al Rubiky. QNB provides financial solutions for implementation of these projects and enables access to services and advisory support to improve financial and technical performance.
• Industrial Development Authority (IDA)coreStrategic or Co-development PartnerProtocol agreement to provide banking and financing services to investors in industrial complexes in Cairo, Port Said, and Menoufia to promote industrial development in Egypt. Coordinated with CBE initiative to support companies and projects.
• Egyptian Chamber of Commerce in AlexandriacoreStrategic or Co-development PartnerCooperation offering a range of banking products and facilities for members of the Chamber including merchants, manufacturers, and service providers. Includes free POS machine within CBE initiative, B2B credit facilities package, and B2B Merchant Package.
• Damietta Furniture City (DFC)coreStrategic or Co-development PartnerProtocol agreement to fund purchase of furniture manufacturing units located in New Damietta city to enhance and support the national furniture industry.
• NilePreneurs Initiative (Central Bank of Egypt and Nile University)coreStrategic or Co-development PartnerNational initiative under auspices of Central Bank of Egypt in cooperation with Nile University for 5 years. Aims at developing, qualifying, and increasing capabilities of young entrepreneurs in SMEs. QNB participates with BDS centers and Creative incubator hub.
• Nile UniversitycoreStrategic or Co-development PartnerPartner in NilePreneurs initiative. QNB sponsors Creative Design Incubator hub at Nile University under CBE NilePreneurs initiative over 5 years period covering five cycles.
• QNB LeasingcoreStrategic or Co-development PartnerSubsidiary offering financial solutions for vehicles, equipment, machines, production lines, medical equipment, and administrative/commercial real estate through leasing.
• QNB FactoringcoreStrategic or Co-development PartnerSubsidiary providing factoring services both locally and internationally to help businesses receive payments quickly rather than waiting 30+ days for invoice payment.
• QNB Life InsurancecoreStrategic or Co-development PartnerSubsidiary providing life insurance products including El Nokhba, Al Rafiq retirement plans, and SME life insurance programs.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• National Bank of Egypt (NBE): State-owned Egyptian bank and one of the largest in the country, providing retail, corporate, and investment banking. Overlaps directly with QNB Egypt's segments but with structural advantages in public-sector business; relevant as a direct competitor for both retail deposits and large corporate mandates.
• Arab African International Bank (AAIB): Mid-sized Egyptian bank with retail and corporate offerings plus strong trade finance and project finance capabilities. Direct peer for SME and corporate banking, with similar positioning to QNB Egypt in mid-market segments.
• Commercial International Bank (CIB) Egypt: Egypt's largest private-sector bank by assets, serving retail, SME, corporate and investment banking. Directly comparable to QNB Egypt across nearly all product lines including project finance, treasury, and digital banking, making it the closest pure domestic competitor.
• Banque Misr: Major state-owned Egyptian bank offering a full universal banking platform including retail, SME, corporate and Islamic banking. Competes with QNB Egypt across virtually every segment and serves as a primary benchmark for Egyptian banking scale.
• Emirates NBD Egypt: Egyptian subsidiary of Emirates NBD (UAE) expanding retail and corporate banking. Comparable to QNB Egypt as a Gulf-affiliated universal bank with similar backing from a regional parent and similar digital investment focus.
• AlexBank (Intesa Sanpaolo): Egyptian subsidiary of Intesa Sanpaolo offering retail, SME, and corporate banking including Islamic finance products. Comparable to QNB Egypt in product breadth and foreign-affiliation-backed capabilities.
• First Abu Dhabi Bank (FAB) Egypt: UAE-headquartered bank with Egyptian operations serving retail, SME, and corporate clients. Comparable to QNB Egypt in offering a Gulf-parent-backed universal banking franchise with regional deal-flow advantages.
• HSBC Bank Egypt: Subsidiary of HSBC Holdings serving Egyptian retail, commercial, and corporate banking clients with strong international trade finance and FX capabilities. Comparable to QNB Egypt's trade finance and corporate banking franchise, particularly for multinational clients.

Regional players

• National Bank of Kuwait (NBK) Egypt: Regional GCC bank with Egyptian presence serving corporate and private banking clients. Comparable to QNB Egypt in serving cross-border GCC-Egypt corporate flow and high-net-worth segments, though with a more limited retail footprint in Egypt.

Emerging players

• Faisal Islamic Bank of Egypt: Egypt's leading Sharia-compliant bank offering retail, corporate, and investment banking under Islamic finance principles. Comparable to QNB Egypt in product breadth but differentiated by Sharia compliance, making it an adjacent rather than direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/qnbgroup
• YouTubeyoutube.com/qnbgroup
• LinkedInlinkedin.com/company/qnbeg

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about QNB Egypt