Commercial International Bank (Egypt) SAE, Egypt's largest listed private-sector bank trading under the ticker CBKD, has published its condensed consolidated interim financial statements for the nine months ended 30 September 2026. The results show net profit attributable to bank shareholders of EGP 63.08 billion, up from EGP 62.10 billion in the same period of 2025. Total assets expanded to EGP 1.83 trillion from EGP 1.44 trillion at 31 December 2025, signalling continued balance-sheet growth that investors in the GDR Reg S-listed securities may wish to monitor closely.

Key Points

  • Commercial International Bank (Egypt) SAE (CBKD) — GDR Reg S listing
  • Nine-month net profit reached EGP 63.08 billion attributable to bank shareholders, with basic earnings per share of EGP 16.66 versus EGP 16.84 in the prior-year period
  • Total assets rose to EGP 1.83 trillion at 30 September 2026, up from EGP 1.44 trillion at 31 December 2025; customer deposits grew to EGP 1.45 trillion
  • Investors may watch net interest margin trends and loan-book growth, given net interest income of EGP 93.26 billion for the nine months

CIB Net Interest Income Rises to EGP 93.26 Billion as Loan Book Expands in Nine Months to September 2026

The income statement discloses that interest and similar income reached EGP 175.13 billion for the nine months to 30 September 2026, compared with EGP 158.40 billion in the equivalent prior-year period. After deducting interest and similar expense of EGP 81.87 billion, net interest income stood at EGP 93.26 billion, up from EGP 78.65 billion a year earlier. Net fee and commission income also improved to EGP 9.12 billion from EGP 6.38 billion, while net trading income rose to EGP 2.78 billion from EGP 1.28 billion, contributing to profit before income tax of EGP 87.06 billion against EGP 83.29 billion in the prior-year period.

CIB Total Assets Cross EGP 1.83 Trillion as Customer Deposits and Loan Advances Surge

The consolidated balance sheet at 30 September 2026 records total assets of EGP 1.83 trillion, a substantial increase from EGP 1.44 trillion at 31 December 2025. Net loans and advances to customers expanded to EGP 621.93 billion from EGP 507.95 billion, while amounts due from banks more than doubled to EGP 276.03 billion. On the liabilities side, customer deposits grew markedly to EGP 1.45 trillion from EGP 1.11 trillion at the prior year-end, underscoring the bank's continued franchise strength within Egypt's retail and corporate deposit market.

CIB Shareholders' Equity Reaches EGP 258.41 Billion After EGP 29.05 Billion Dividend Payment

Total equity attributable to bank shareholders stood at EGP 258.41 billion at 30 September 2026, rising from EGP 231.49 billion at the start of the period. The statement of changes in equity confirms dividends paid of EGP 29.05 billion during the nine months, significantly higher than the EGP 14.77 billion distributed in the comparable prior-year period. Total comprehensive income for the period was EGP 54.42 billion, below the EGP 68.62 billion recorded in the nine months to September 2025, partly reflecting an EGP 7.82 billion adverse movement in fair-value reserves on financial assets measured through other comprehensive income.

Administrative Cost Growth and OCI Volatility Represent Key Risks for CIB Investors to Monitor

Administrative expenses rose to EGP 15.97 billion for the nine months to September 2026 from EGP 12.43 billion in the prior-year period, a material increase that the announcement does not provide further explanation for. Additionally, the bank recorded a net negative change on financial assets at fair value through OCI of EGP 7.82 billion, compared with a positive EGP 7.31 billion movement in the equivalent 2025 period. The figures were signed off by Group CFO and Executive Board Member Islam Zekry, and CEO and Executive Board Member Hisham Ezz Al-Arab, with a review report noted as attached to the full filing.