Egyptian lenders want 6 months of statements and a clean view of income, existing instalments, and overdraft history. Convert your QNB Al Ahli statement to Excel and check it before you submit.
Convert your QNB Al Ahli statementQNB Al Ahli has a reputation among Egyptian customers for relatively quick retail loan decisions and a streamlined documentation process. The QNB Group operational standards bring some consistency to the underwriting file. When you apply for a personal loan, a car loan, or a top-up at QNB Al Ahli or at another Egyptian bank, the 6-month statement is the primary document under review.
Egyptian banks calculate an instalment-to-income ratio. The reviewer wants to see stable monthly salary or business credits, manageable existing instalments, and absence of repeated overdraft incidents. The Central Bank of Egypt sets prudential guidance on retail lending; individual banks apply their own ratios within that. Converting the statement to Excel lets you run the math yourself before the bank does.
QNB Al Ahli issues a bilingual Arabic-English PDF. Columns: Date, Description, Debit (EGP), Credit (EGP), Balance (EGP). Internet banking and mobile transactions show 'IB' or 'MOB' channel codes — useful signals of the customer's digital engagement, which underwriters factor into the picture of an active and managed account.
Salary credits arrive monthly with the employer reference and 'Salary' or 'راتب' label. Existing loan instalments appear as monthly debits with a loan reference. Time deposit placements and maturities sit in their own section of the statement if the customer holds those products. Overdraft incidents, returned cheques, and any NSF charges sit in the rows — the reviewer will find them, so it is better to find them first.
The underwriting file pulls a specific set of signals from the QNB Al Ahli statement. Income stability, existing obligations, average balance, and clean operating history.
Bilingual Arabic-English PDF. Columns: date, description, debit (EGP), credit (EGP), balance (EGP). Account header shows QNB Group branding, Egyptian bank name, IBAN, account type, branch, and statement period. Online and mobile banking transactions have channel identifiers in the narration ('IB', 'MOB'). Multi-product accounts may generate multi-page statements with section dividers per product type.
| Label | Meaning |
|---|---|
| IB Transfer | Transfer executed via QNB Al Ahli internet banking |
| MOB Transfer | Transfer executed via QNB Al Ahli mobile app |
| POS | Point-of-sale purchase |
| Time Deposit | Fixed deposit placement or maturity credit |
| Salary | Monthly salary credit |
Egyptian banks are increasingly requesting 6 months of statements as EGP volatility makes 3-month income snapshots unreliable for multi-year loan underwriting.
Request 6 months from QNB Al Ahli Mobile
Open QNB Al Ahli Mobile or internet banking and request a statement covering the most recent 6 months. Some Egyptian lenders ask for the bank's stamped version — request it from the branch if needed.
Upload to Kashfbank
Drop the PDF into Kashfbank. The Excel export keeps EGP figures intact, preserves bilingual narration, and tags each row by category. Channel codes (IB, MOB) are kept in the Description column.
Run the instalment-to-income calculation
In the export, sum every recurring monthly instalment debit. Compare the total to your net monthly salary. Egyptian lenders typically want the ratio under 50%, with some banks at 40% or 35% depending on the loan type. If you are at 35% already and the new loan brings you to 45%, you are likely fine. At 55% the application is uphill.
Submit the Excel alongside the PDF
Most Egyptian lenders accept the bank-stamped PDF as the primary document and welcome an Excel for the reviewer's working file. The structured CSV speeds underwriting because the lender does not need to rekey rows.
Common challenges
Does the export show overdraft incidents clearly?
Yes. Any day the closing balance went below zero appears as a negative figure in the Balance column. NSF charges and returned cheque fees appear as separate debits with descriptive narration. The Excel makes them easy to count and to explain in the application cover note if there is a one-off cause.
I receive Gulf remittances on this account. Do they count as income for underwriting?
Egyptian banks treat regular remittances as supplementary income when the pattern is consistent — same originator, monthly or near-monthly cadence, similar amounts. Irregular family transfers are usually not counted. The QNB Al Ahli statement shows the originator detail in the narration; the underwriter judges based on the pattern.
Does QNB Al Ahli give preferential rates for time deposit holders?
Customers with sizeable time deposit balances at QNB Al Ahli may be eligible for preferential personal loan rates or higher limits. The statement evidences the deposit holdings either in a separate section or via the maturity and rollover entries. Talk to the branch about the specific product tier you qualify for.
What does the lender do with the export?
The lender's credit officer uses the Excel to calculate the instalment-to-income ratio, verify salary stability over 6 months, check overdraft frequency, and confirm there is no large unexplained inbound that could be a hidden loan. The PDF stays in the file as the primary evidence; the Excel is the working document.
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Regulator: Central Bank of Egypt (CBE)
Fiscal year: Jul 1 – Jun 30 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English