NBE statements are Arabic-first and carry decades of customer history. Pull them into Excel and your accountant can complete the ETA return in hours instead of days.
Convert your NBE statementNBE serves more than thirty million customers — the broadest customer base of any Egyptian bank. Statements include the mass-market mix: state salary credits, pension deposits, savings certificate interest, agricultural cooperative flows, and SME corporate accounts. The volume and variety make Arabic-only NBE statements harder to prep manually.
Egypt's tax rules apply to every NBE account holder above the EGP 60,000 threshold: 14% VAT, 22.5% corporate income tax, progressive personal income tax up to 25%, and 20% withholding on savings interest deducted at source. NBE's certificates are particularly important — interest rates reached 27% during the 2023 crisis, and the withholding is already applied.
Transaction descriptions are Arabic-only. "مرتب" or "راتب" for salary, "فائدة" for interest, "قسط" for loan installments, "شهادة ادخار" for certificate-related entries. The English appears only in field labels on the header. Account headers carry account number, branch code, customer name, and statement period.
Certificate maturity payouts can be enormous and one-time. Don't treat these as recurring income. NBE's high-interest certificate offers during the 2023 crisis period (up to 27%) produced very visible interest credits — these are taxed 20% at source, so the credited amount is already net.
Match NBE's narration patterns to the lines on Egypt's tax forms. The patterns are stable, which makes filtering reliable once you know the labels.
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 |
Egyptian corporate tax at 22.5% requires quarterly advance payments; converted statements showing quarterly income help CPAs calculate accurate installment amounts to avoid penalties.
Pull the filing period from Al Ahly Mobile
Egyptian personal returns cover Jan–Dec. Corporate returns may be fiscal. Request an NBE statement covering your full filing period. Download from Al Ahly Mobile or the customer portal.
Upload and review Arabic narration
Drop the PDF in. Kashfbank reads NBE's Arabic-only narration natively. Each row keeps its original "مرتب" or "فائدة" label so categorisation matches the source.
Categorise by ETA form line
Salary lines for the income section. Interest lines for the investment income section (with gross-up). Certificate maturities annotated as principal return. Outbound ETA payments as pre-paid tax.
Hand off to your accountant
Share the CSV with a note flagging certificate maturity rows and any savings certificate interest gross-ups. Egyptian tax accountants are familiar with these patterns and will complete the return faster from structured data.
Common challenges
How does the 20% interest withholding work on NBE certificates?
NBE deducts 20% withholding from certificate interest at source. The amount credited to your account is already net. To report gross interest income on the ETA form, divide the net credit by 0.80. Most tax accountants do this automatically.
I got a large NBE certificate maturity credit. Is that all taxable income?
No. The principal portion is return of your original investment, not income. Only the interest earned is taxable, and that interest has already been withheld at 20%. Check your original certificate purchase amount to separate principal from interest.
My NBE statement uses Hijri-style dates in some rows. How does Kashfbank handle that?
NBE primarily uses Gregorian (DD/MM/YYYY) on retail accounts. If any row shows a Hijri date, Kashfbank converts it to Gregorian in the output for ETA compatibility. The original date stays viewable in the source PDF.
Can my accountant import the CSV directly into Bisan?
Yes. The standard CSV layout (Date, Description, Debit, Credit, Balance, Category) imports into Bisan and other Egyptian accounting tools. Some accountants prefer a chart-of-accounts mapping step in Excel first.
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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