Commercial International Bank (Egypt) SAE, Egypt's largest listed private-sector bank, released its condensed standalone interim financial statements for the nine months ended 30 September 2026 on 10 November 2026. The results show net profit of 62.97 billion Egyptian pounds for the period, a modest increase from 62.21 billion Egyptian pounds in the same period a year earlier. Total assets grew materially to 1.83 trillion Egyptian pounds, up from 1.44 trillion Egyptian pounds at 31 December 2025, underscoring the bank's continued balance sheet expansion in an evolving Egyptian macroeconomic environment.

Key Points

  • Commercial International Bank (Egypt) SAE (CBKD) — Egyptian private-sector banking group with GDR listing
  • Nine-month standalone net profit reached 62.97 billion Egyptian pounds for the period ended 30 September 2026
  • Total assets grew to 1.83 trillion Egyptian pounds; customer deposits rose to 1.45 trillion Egyptian pounds from 1.11 trillion Egyptian pounds at year-end 2025
  • Investors may be watching net interest income growth, loan book quality, and the trajectory of administrative cost increases through the remainder of 2026

CIB Net Interest Income Rises to 92.72 Billion EGP as Customer Deposit Base Expands Sharply

Net interest income for the nine months to 30 September 2026 reached 92.72 billion Egyptian pounds, rising from 78.36 billion Egyptian pounds in the comparable prior-year period. Interest and similar income totalled 174.27 billion Egyptian pounds against interest expense of 81.55 billion Egyptian pounds. Net fee and commission income also improved, reaching 9.02 billion Egyptian pounds compared with 6.34 billion Egyptian pounds a year earlier. Customer deposits, the bank's primary funding source, expanded to 1.45 trillion Egyptian pounds from 1.11 trillion Egyptian pounds at 31 December 2025, reflecting strong deposit inflows across CIB's Egyptian retail and corporate client base.

CIB Standalone Balance Sheet Reaches 1.83 Trillion EGP with Net Customer Loans at 614.10 Billion EGP

Total assets on the standalone balance sheet stood at 1.83 trillion Egyptian pounds at 30 September 2026, compared with 1.44 trillion Egyptian pounds at the 2025 year-end. Net loans and advances to customers grew to 614.10 billion Egyptian pounds from 503.36 billion Egyptian pounds, while financial investments in assets measured at amortised cost increased to 328.55 billion Egyptian pounds from 234.69 billion Egyptian pounds. Total equity, including net profit for the period, stood at 256.60 billion Egyptian pounds, up from 230.01 billion Egyptian pounds at December 2025, with paid-up capital recorded at 34.05 billion Egyptian pounds.

Administrative Costs and OCI Movements Weigh on Comprehensive Income Despite Profit Growth

Total comprehensive income for the nine months to 30 September 2026 amounted to 54.14 billion Egyptian pounds, a decline from 68.62 billion Egyptian pounds in the same period of 2025. The reduction was driven primarily by a negative net change on financial assets at fair value through other comprehensive income of 7.62 billion Egyptian pounds, contrasting with a positive 6.81 billion Egyptian pounds movement in the prior year. Administrative expenses also rose to 15.38 billion Egyptian pounds from 11.88 billion Egyptian pounds, a factor investors may monitor for its impact on cost efficiency through the final quarter of 2026.

CIB Basic Earnings Per Share Dip Marginally to 16.66 as Dividends Paid Double Year-on-Year

Basic earnings per share for the nine-month period were recorded at 16.66, compared with 16.84 in the equivalent 2025 period, while diluted earnings per share stood at 16.45 against 16.64 previously. The statements, signed by Group CFO and Executive Board Member Islam Zekry and CEO and Executive Board Member Hisham Ezz Al-Arab, also disclose that dividends paid during the nine months to September 2026 totalled 29.04 billion Egyptian pounds, more than double the 14.71 billion Egyptian pounds paid in the same period of 2025, indicating a significantly higher distribution to shareholders from prior-year profits.