البنك بيقفل بدري.

A rough Egyptian Arabic pronunciation is il-bank biyiʔfil badri.

A few notes:

• الـ in البنك is usually heard as il- or el- in Egyptian.
• ق in بيقفل is often pronounced as a glottal stop in Cairo-style Egyptian, written here as ʔ.
• You may hear small vowel differences from one speaker to another, but that pronunciation is a good starting point.

More or less, yes. بنك is a loanword, and it refers to a financial bank.

So for an English speaker, this word is pleasantly easy:

• بنك = bank

It is written in Arabic script, but the meaning is exactly what you expect here.

الـ is the Arabic definite article, meaning the.

So:

• بنك = bank
• البنك = the bank

In this sentence, the noun is definite, so الـ is required.

Because ب is a moon letter, not a sun letter.

That means the ل of الـ stays audible:

• البنك = il-bank / el-bank

Compare that with a sun-letter word, where the ل would assimilate. But here it does not.

In Egyptian Arabic, بيـ is a very common marker for the ordinary present or habitual form.

So:

• يقفل by itself is not the normal standalone everyday present in Egyptian
• بيقفل is the natural form for closes / does close / is in the habit of closing

That is why the sentence uses بيقفل, not just يقفل.

Usually, in a sentence like this, it means closes in the sense of a general fact or routine.

So البنك بيقفل بدري normally means:

• the bank closes early
• the bank shuts early

Depending on context, the same form can sometimes refer to something happening around the present time, but the most natural reading here is habitual/simple present.

Because the verb already carries the subject information, and the noun البنك is stated explicitly.

In English, you might think of:

• The bank closes early
• or It closes early

In Arabic, once البنك is there, you do not need a separate it. The verb بيقفل already matches that subject.

Yes. بيقفل here is the 3rd person singular masculine form, matching البنك.

In Arabic, nouns have grammatical gender, and بنك is treated as masculine. So the verb agrees with it:

• البنك بيقفل

That is the normal agreement pattern.

In Egyptian Arabic, especially Cairene speech, ق is very often pronounced as a glottal stop.

So بيقفل does not usually sound like a strong q sound. It sounds more like:

• biyiʔfil

You can think of the ʔ as a little catch in the throat.

بدري means early.

It is a very common Egyptian Arabic word, and it can be used naturally in everyday speech. In more formal Arabic, you are more likely to see something like مبكرًا or مبكر.

So:

• Egyptian everyday speech: بدري
• More formal/Standard Arabic: مبكرًا

Because this is a very natural Egyptian Arabic way to state a general fact: subject + verb + adverb.

So the sentence is built like:

• البنك = the bank
• بيقفل = closes
• بدري = early

Starting with البنك makes the topic clear right away. This is extremely normal in spoken Egyptian Arabic.

You would usually use ما ... ش around the verb in Egyptian Arabic:

• البنك ما بيقفلش بدري

That means The bank doesn’t close early.

Notice that:

• the بيـ stays
• the negation wraps around the verb: ما بيقفلش

The easiest way is just to keep the same words and use question intonation:

• البنك بيقفل بدري؟

You can also say:

• هو البنك بيقفل بدري؟

That extra هو often helps introduce the question conversationally, something like So, does the bank close early?

For the past:

• البنك قفل بدري = The bank closed early

For the future:

• البنك هيقفل بدري = The bank will close early

So you can compare:

• بيقفل = closes / usually closes
• قفل = closed
• هيقفل = will close

It can mean either, depending on context.

In everyday Egyptian Arabic, قفل can be used for:

• closing a shop or bank
• shutting a door
• locking something

In this sentence, with البنك, the natural meaning is close in the sense of business hours, not literally lock.