What Emirates NBD Egypt does

Emirates NBD Egypt (S.A.E.) is a privately held, Egypt-domiciled banking subsidiary of Emirates NBD Group PJSC, headquartered in New Cairo. It serves individual and affluent customers, SMEs and commercial businesses, and large corporations through Standard, Personal, Priority, Business, and Corporate banking propositions. Its products include current and savings accounts, fixed-income products, personal and auto loans, cards, payroll services, bancassurance, and investment products.

Delivery combines branches, ATMs, relationship managers, and digital channels. Retail and business customers can use online and mobile banking, phone and SMS banking, Apple Pay, and electronic payments, while corporate customers can access businessONLINE, smartTRADE, SWIFT MT798, cash management, escrow, direct debit, corporate cards, and digital-signature services. Its international trade operations cover documentary credits, collections, and guarantees and hold ISO 9001:2015 certification.

Disclosed revenue streams include interest from lending, fees and commissions from transaction and trade-finance services, card fees and interchange, insurance distribution, and investment-fund management. Indicative loan pricing ranges from 22% to 29% per year across auto and personal-loan programs, while a three-year corporate fixed deposit is priced at 9% annually. The bank uses a multi-channel model spanning self-service applications, physical distribution, direct corporate relationship management, payroll programs, and partner-led offers.

Name

Emirates NBD Egypt

Legal name

Emirates NBD Egypt (S.A.E)

Website

https://emiratesnbd.com.eg

Company type

Private

Operating status

Operating

Short description

Emirates NBD Egypt is an Egypt-based private bank serving retail, affluent, SME, and corporate customers through branches, relationship managers, and digital channels, offering deposits, lending, cards, payroll, trade finance, cash management, and investment products.

Ownership category

akta.pro rank

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest revenue from personal loans (25% p.a. for individuals, 29% p.a. for salaried professionals), auto loans, and business financing with programs such as 50%-50% program (22% p.a.) and 40%-60% program (23% p.a.).
2. Fee and Commission Income: Transaction fees from trade finance services (letters of credit, guarantees, collections), cash management services, payroll services, account maintenance, and card transaction fees.
3. Card Revenue: Revenue from credit and debit card transactions, interchange fees, annual card fees, Easy Payment Plan charges, and Point Plus loyalty rewards program.
4. Bancassurance Revenue: Insurance products distributed to banking customers including Ro'ya Plans, Hayah Plans, Education Plans, Retirement Plans, and Property & Casualty insurance.
5. Investment Fund Management: Money Market Fund 'Mazid' and other investment products offered to customers with fund prices published daily (EGP 1,475.28 as of August 2026).

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels5 records

Core offering

Emirates NBD Egypt is a leading private sector bank in Egypt operating across retail, priority/affluent, SME, and corporate banking segments. It delivers a full suite of deposit accounts, lending products, debit/credit cards, investment funds, bancassurance, trade finance, cash management, payroll banking, and digital banking channels (online, mobile, phone, SMS). The bank also offers differentiated sustainability products such as solar panel financing and EPAP SME grants, alongside exclusive partnerships with ORA Developments, Maserati, and TMG.

Product overview

Emirates NBD Egypt operates a multi-segment private sector banking platform providing retail, priority, business, and corporate banking services. The core offering spans current and savings accounts (Current Account, Tiered Current Plus Account, Tiered Savings Account, Payroll Accounts, and FIRST Youth Package), fixed-income products (Time Deposits, Certificates of Deposits, Treasury Bills, Governmental Bonds), lending (Personal Loans, Auto Loans, Solar Panels Loans, Overdrafts), and card products (Debit Cards, Credit Cards including World Elite Mastercard and TMG co-branded cards). E-banking channels include businessONLINE (corporate internet banking), the Mobile Banking Application, Online Banking, Phone Banking, and SMS Banking. Corporate clients access dedicated trade finance via smartTRADE (an online trade hub), cash management services (payables, receivables, escrow, CPS government payments, SWIFT MT798, ACH, Direct Debit), and SME financing. Priority banking adds Signature, global recognition, investment products ("Mazid" Money Market Fund), and specialized bancassurance plans. The bank also supports financial inclusion and disability-accessible products ("Azm" bundle). ISO 9001:2015 certified for international trade services.

Differentiator

Problem solved

Functional benefit

Brands

• businessONLINE: Online banking platform for corporate and business customers
• smartTRADE
• Exchanger Programme
• Points Plus
• Mazid Money Market Fund

Products and services

• Current Account
• Tiered Current Plus Account
• Tiered Savings Account
• Current Plus Payroll Account
• FIRST Youth Package
• Time Deposits
• Certificate of Deposits
• Treasury Bills
• Governmental Bonds
• Mazid Money Market Fund
• Debit Cards
• Credit Cards
• Foreign Currency Card
• World Elite Mastercard Credit Card
• World Mastercard
• Personal Loans
• Auto Loans
• Solar Panels Loan
• Overdrafts
• Property and Casualty Bancassurance
• Ro'ya Bancassurance Plans
• Hayah Bancassurance Plans
• Education Plan
• Retirement Plan
• Payroll Banking Program
• Installment Salary Transfer
• Signature by Priority Banking
• Online Banking
• Mobile Banking Application
• Phone Banking
• SMS Banking
• ATM Services
• businessONLINE
• smartTRADE
• Large Corporate Banking
• Commercial Banking (Medium Enterprise)
• Business Banking (SME)
• Cash Management
• Trade Finance & Supply Chain Finance
• Escrow Solutions
• EPAP SME Grant Finance

Quantifiable outcome

• EGP 1.7 billion net profit in Q1 2026 with strong growth across key performance indicators
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, flagship and minor.

• Sehetna FoundationcoreStrategic or Co-development Partner · 29 April 2026Partnership to equip an Intensive Care Unit at Assiut University Hospital as part of Emirates NBD Egypt's corporate social responsibility initiatives supporting healthcare infrastructure in underserved regions.
• ORA DevelopmentsflagshipGTM or Marketing Partner · 1 January 2026Exclusive banking partnership for the Silversands development project offering financing, deposits, cashback, and card benefits exclusively to ORA customers. Includes mortgage financing and preferential banking terms.
• Industrial Pollution Control Programme (EPAP)coreStrategic or Co-development PartnerStrategic cooperation protocol with the Egyptian Environmental Affairs Agency (Ministry of Environment) to align sustainability practices with local and global standards and UN Sustainable Development Goals. Emirates NBD Egypt signed to support green finance and environmental compliance for SMEs.
• Ministry of Environment - EgyptcoreStrategic or Co-development PartnerEnvironmental partnership through EPAP programme to help industry improve performance, reduce energy and resource consumption, and reach compliance with environmental regulations. Provides grant finance (10-30% depending on financial viability) for eligible SMEs with annual turnover under EGP 200 million.
• Solar Panel CompaniesminorStrategic or Co-development PartnerPartnership with two major solar companies to offer Solar Panels loan financing up to 100% of total solar panel cost for customers seeking renewable energy solutions.
• MaseratiminorGTM or Marketing PartnerPartnership offering exclusive financing and card benefits for Maserati GT Hybrid vehicles (Ghibli and Levante GT Hybrid) including preferential terms for Emirates NBD customers.
• TMG (The Medical Group)minorGTM or Marketing PartnerCo-branded credit card partnership with TMG offering exclusive benefits and discounts for Emirates NBD customers using TMG healthcare services.

Scale indicators4 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Commercial International Bank (CIB) Egypt: Egypt's largest private-sector bank, serving retail, SME, and corporate segments with a comparable multi-segment strategy. CIB is the most direct head-to-head competitor to Emirates NBD Egypt in the Egyptian private banking market.
• National Bank of Egypt (NBE): Egypt's largest state-owned bank, offering retail, corporate, and SME banking with extensive branch network. Competes with Emirates NBD Egypt across all customer segments with structural advantages in government-related deposits.
• Banque Misr: Major Egyptian state-owned bank with full-service retail, corporate, and Islamic banking offerings. Competes directly with Emirates NBD Egypt across mass retail, SME, and large corporate segments.
• QNB AlAhli (National Bank of Qatar - Egypt): Egyptian subsidiary of Qatar National Bank, serving retail, priority, SME, and corporate segments with a comparable product mix. Directly comparable as another foreign-owned multi-segment Egyptian commercial bank.
• Bank of Alexandria (AlexBank): Major Egyptian private-sector bank (part of Intesa Sanpaolo Group) offering retail, corporate, and SME banking. Directly competes with Emirates NBD Egypt in the same segments across the Egyptian market.
• Arab African International Bank (AAIB): Egyptian private-sector bank with significant corporate and investment banking presence and retail offerings. Direct competitor in the Egyptian banking market with overlapping segment coverage.
• HSBC Egypt: Multinational bank's Egyptian franchise offering retail, commercial, and transaction banking. Direct competitor in all segments; its retail business is being acquired by Emirates NBD Egypt.
• Abu Dhabi Islamic Bank Egypt (ADIB Egypt): Egyptian subsidiary of Abu Dhabi Islamic Bank offering Islamic and conventional retail, corporate, and SME banking. Regional peer operating in the same Egyptian market with similar GCC ownership backing.

Broad incumbents

• Mashreq Bank (UAE): Major UAE-headquartered bank with MENA retail, corporate, and digital banking operations. Comparable as a broader Middle East franchise-level peer with similar regional corporate-banking capabilities and digital-first positioning.
• Emirates NBD Group PJSC: Parent company of Emirates NBD Egypt and one of the largest banking groups in the Middle East. Operates across UAE, Saudi Arabia, Singapore, UK, and India with multi-segment banking, serving as the parent and benchmark for the Egypt subsidiary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/EmiratesNBD_EGY
• YouTubeyoutube.com/playlist?list=PL38eg_9ofa1JmZQ133aekEIpq3IuQ6D0N&si=7qbKcWXmhMYAPPU6
• Facebookfacebook.com/EmiratesNBDEgypt
• LinkedInlinkedin.com/company/posts
• Instagraminstagram.com/emiratesnbd_egy

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Emirates NBD Egypt