الصيدلية مفتوحة دلوقتي، بس البنك مقفول.

In Egyptian Arabic, the verb to be is usually not said in the present tense.

So:

الصيدلية مفتوحة
literally looks like the pharmacy open, but it means the pharmacy is open.

This is very normal in Arabic. If you wanted past or future, then you would use a verb:

• الصيدلية كانت مفتوحة = the pharmacy was open
• الصيدلية هتكون مفتوحة = the pharmacy will be open

So in the present, no separate is is needed.

Because الصيدلية is a feminine noun, and the predicate adjective agrees with it in gender.

• masculine: مفتوح
• feminine: مفتوحة

Since صيدلية ends in ة, that is a strong clue that it is feminine.

So:

• الصيدلية مفتوحة = the pharmacy is open
• المحل مفتوح = the shop is open

Because البنك is masculine, so the word describing it also stays masculine.

• البنك مقفول = the bank is closed
• الشركة مقفولة = the company is closed

So the sentence has:

• الصيدلية → feminine → مفتوحة
• البنك → masculine → مقفول

Because here they are predicate adjectives, not attributive adjectives.

There is an important difference:

• الصيدلية مفتوحة = the pharmacy is open
• الصيدلية المفتوحة = the open pharmacy

In the sentence you gave, مفتوحة and مقفول are part of the statement about the noun, so they stay indefinite.

This is one of the most useful patterns to notice in Arabic:

• definite noun + indefinite adjective often means X is Y

For example:

• البيت كبير = the house is big
• العربية سريعة = the car is fast

Yes. دلوقتي is a very common Egyptian Arabic word meaning now or right now.

You may also see or hear:

• دلوقت
• دلؤتي in some spellings
• transliterated as delwa’ti or dilwa’ti

In Modern Standard Arabic, the usual word is الآن.

So:

• Egyptian: دلوقتي
• MSA: الآن

Here, بس means but.

So the sentence is contrasting two facts:

• the pharmacy is open
• but the bank is closed

In Egyptian Arabic, بس is very common and can have different meanings depending on context, such as:

• but
• only / just
• that’s enough

In this sentence, the meaning is clearly but.

This is because of sun letters and moon letters.

In الصيدلية

The first main letter after ال is ص, which is a sun letter.
That means the l sound of ال is not pronounced separately; it assimilates.

So الصيدلية is pronounced roughly like:

es-seydaleyya / is-saydaliyya

In البنك

The first letter after ال is ب, which is a moon letter.
So the l sound stays.

It is pronounced roughly:

el-bank

So even though both words are written with ال, they do not sound the same at the beginning.

Because the sentence is talking about a specific, understood pharmacy and bank, not just any pharmacy or bank.

In Arabic, using ال often makes the noun sound like:

• the known one
• the one in the situation
• the one we are both talking about

So:

• الصيدلية مفتوحة = the pharmacy is open
• البنك مقفول = the bank is closed

Without ال, the meaning would feel less specific and more like a pharmacy or a bank.

Yes. دلوقتي is flexible.

Your sentence:

الصيدلية مفتوحة دلوقتي، بس البنك مقفول

is very natural.

But you could also hear:

• الصيدلية دلوقتي مفتوحة
• دلوقتي الصيدلية مفتوحة، بس البنك مقفول

The exact placement changes the emphasis a little:

• مفتوحة دلوقتي = open now
• دلوقتي الصيدلية مفتوحة = now, the pharmacy is open

So the version you have is normal, but not the only possible order.

Historically, they are related to passive participles, but in everyday Egyptian Arabic they function very much like normal adjectives.

Learners can usually treat them as adjectives meaning:

• مفتوح / مفتوحة = open
• مقفول / مقفولة = closed

They behave like adjectives because they agree with the noun:

• الباب مقفول = the door is closed
• الشباك مفتوح = the window is open
• الصيدلية مفتوحة = the pharmacy is open

So for practical learning, it is completely fine to think of them as adjectives.

Yes, you could, and it would be understood.

• البنك مقفول = the bank is closed
• البنك مش مفتوح = the bank is not open

The meanings are close, but there is a small difference in feel:

• مقفول is the direct word closed
• مش مفتوح is literally not open

In everyday speech, مقفول is the more direct and natural choice here.

A natural MSA version would be:

الصيدلية مفتوحة الآن، لكن البنك مغلق.

Main differences:

• Egyptian دلوقتي → MSA الآن
• Egyptian بس → MSA لكن
• Egyptian مقفول → MSA often prefers مغلق

So the sentence you have is clearly Egyptian colloquial Arabic, not formal written Arabic.