NBE is the largest bank in Egypt and the salary bank for millions of government employees who freelance on the side. Pull side-income out of your NBE PDF in seconds.
Convert your NBE statementThe National Bank of Egypt (NBE), founded in 1898, is Egypt's largest bank by assets and the salary bank for government employees and public-sector workers. Many of those employees also freelance — tutoring, design, online platforms — and their NBE statement is where the side-income lands alongside the state salary.
The Egyptian Tax Authority (ETA) treats side-income above EGP 60,000 as reportable. The challenge with NBE statements is separating the regular state "مرتب" credit from Instapay person-to-person transfers (which may be client payments) and from certificate interest credits (which are taxed separately at source).
NBE issues an Arabic-first PDF. English field labels appear on the account-summary header, but transaction descriptions are Arabic-only. Columns: serial number, date (DD/MM/YYYY), Arabic description, debit (EGP), credit (EGP), running balance. Multiple account types appear: "توفير" (savings), "جاري" (current), "شهادات" (investment certificates).
Older NBE PDFs (pre-2020) can have lower-resolution scans and OCR confidence drops on faded print. Kashfbank handles this but flags low-confidence rows for manual review. Instapay transfers appear as "INSTAPAY" or "تحويل فوري" with the sender's name.
The ETA wants gross side-income separated from salary. NBE statements need careful filtering because certificate maturities can look like windfalls but are largely return of principal.
Arabic-first PDF with English field labels on the account header. Transaction table columns: transaction serial, date, description (Arabic), debit (EGP), credit (EGP), running balance (EGP). Account header includes account number, branch code, customer name, statement period. Common Arabic terms: 'إيداع نقدي', 'سحب نقدي', 'تحويل بنكي', 'فائدة', 'قسط'. Multiple account types supported: savings ('توفير'), current ('جاري'), investment certificates ('شهادات'). The 2022–2024 EGP devaluation created periods where USD-linked transactions show very large EGP equivalents.
| Label | Meaning |
|---|---|
| إيداع نقدي | Cash deposit |
| سحب نقدي | Cash withdrawal |
| تحويل بنكي | Bank transfer (internal or to another bank) |
| فائدة | Interest credit on savings account or certificate |
| قسط | Loan instalment deduction |
Egypt's large informal freelance sector means many transactions are cash or Vodafone Cash; bank statements will show only the formal income that flows through the account, requiring supplementary records for full disclosure.
Pull twelve months from Al Ahly Mobile
Open Al Ahly Mobile (NBE's app), request the twelve-month statement, and download the PDF. NBE branch-printed statements work too — Kashfbank handles both.
Upload and confirm Arabic decoding
Drop the PDF in. Kashfbank reads NBE's Arabic-only narration natively. If your PDF is a pre-2020 scan, check the low-confidence flag column after conversion.
Separate salary from side-income
Filter "مرتب" credits as your declared salary income. Then look at Instapay transfers and other inbound "تحويل" rows — these are your candidate side-income lines.
Exclude certificate movements
Savings certificate maturities can produce one-time credits in the tens or hundreds of thousands. These are mostly principal return, not income. Annotate them as such in your file.
Export and file
Download the CSV. Hand off to your accountant with a note on the certificate rows so they don't get counted as taxable income.
Common challenges
Does Kashfbank handle NBE's Arabic-only descriptions?
Yes. NBE statements have Arabic transaction narration with English field labels only on the header. Kashfbank reads Arabic natively and preserves each row's original description for ETA review.
How do I separate my state salary from freelance Instapay credits?
Filter on "مرتب" or "راتب" for salary. Instapay client payments appear as "INSTAPAY" or "تحويل فوري" with the sender's name. Match those against your invoice records to confirm which are client payments versus family transfers.
I have a savings certificate that matured this year. Is that taxable as income?
The interest portion is income — and it's already been taxed at 20% withholding at source. The principal return is not income. NBE doesn't always show the split clearly on the statement, so check the certificate purchase value against the maturity credit.
What if my NBE PDF is a scan with low quality?
Older branch-printed NBE statements can be lower-resolution scans. Kashfbank flags low-confidence rows in the output. Manually verify those against the original PDF before relying on them for ETA filing.
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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