CIB - Condensed Balance Sheet Standalone (9M26)

Summary by AI ^BETAClose X

CIB reported 9M26 net profit of EGP 62,973,508 (basic EPS 16.66), broadly flat versus 9M25 (EGP 62,207,506), while total assets rose 27.1% to EGP 1,825.74m and net loans increased 21.9% to EGP 614.10m; customer deposits grew 31.4% to EGP 1,452.47m and equity rose 11.6% to EGP 256.60m. Net interest income increased to EGP 92.72m, operating cash generated was strong at EGP 265.66m and cash & equivalents ended at EGP 269.83m; the bank paid EGP 29.04m in dividends. Total comprehensive income fell to EGP 54.14m, mainly due to a EGP 7.62m FVOCI fair‑value loss.

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Commercial International Bank (Egypt) SAE GDR (Reg S) (CBKD)

UK 100

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Condensed Separate Interim Statement of Financial Position as at September 30, 2026 Click on, or paste the following link into your web browser, to view the full announcement text: http://www.rns-pdf.londonstockexchange.com/rns/4299C_1-2026-11-9.pdf
		Notes	Sep. 30, 2026	Dec. 31, 2025
	Assets
	Cash and balances at the central bank	14	100,320,998	88,094,579
	Due from banks	15	277,076,227	136,581,804
	Loans and advances to banks, net	17	51,133,049	34,440,770
	Loans and advances to customers, net	18	614,095,530	503,361,099
	Derivative financial instruments		36,516	620,349
	Financial investments
	- Financial Assets at Fair Value through OCI	19.1	379,415,570	375,180,260
	- Financial Assets at Amortized cost	19.1	328,549,745	234,685,457
	Investments in subsidiaries and associates	20	9,616,565	1,157,430
	Non-current assets held for sale	32	279,104	279,104
	Other assets	21	57,650,643	53,904,113
	Deferred tax assets		1,107,301	2,410,347
	Property and equipment	22	6,459,471	5,437,519
	Total assets		1,825,740,719	1,436,152,831
	Liabilities and equity
	Liabilities
	Due to banks	23	21,826,384	3,796,866
	Due to customers	24	1,452,466,360	1,105,355,617
	Derivative financial instruments		282,234	137,802
	Current income tax liabilities		16,081,403	20,570,313
	Other liabilities	25	30,568,943	25,411,706
	Issued debt instruments	26	-	4,761,558
	Other loans		32,300,727	30,471,499
	Other provisions	27	15,611,164	15,632,737
	Total liabilities		1,569,137,215	1,206,138,098
	Equity
	Issued and paid capital		34,051,391	33,779,361
	Reserves		132,132,542	105,426,594
	Reserve for employee stock ownership plan (ESOP)		2,718,833	2,343,532
	Retained earnings*		87,700,738	88,465,246
	Total equity and net profit for the period / year		256,603,504	230,014,733
	Total liabilities and equity		1,825,740,719	1,436,152,831

	The accompanying notes are an integral part of these financial statements.
	(Review report attached)
*	Including net profit for the period

Condensed Separate Interim Income Statement for The Period Ended September 30, 2026
		Last 9 Months	Last 9 Months
	Notes	Sep. 30, 2026	Sep. 30, 2025
Interest and similar income		174,266,929	157,761,416
Interest and similar expense		(81,545,566)	(79,403,286)
Net interest income		92,721,363	78,358,130

Fee and commission income		15,494,846	11,565,784
Fee and commission expense		(6,472,951)	(5,224,939)
Net fee and commission income		9,021,895	6,340,845

Dividend income		213,788	125,185
Net trading income	9	2,753,112	1,276,502
Profits (losses) on financial investments	19.2	360,970	598,228
Administrative expenses		(15,383,108)	(11,880,346)
Other operating income (expenses)	10	(4,174,858)	687,384
Release (charges) for ECL	11	1,439,075	7,976,997
Profit before income tax		86,952,237	83,482,925

Income tax expense	12	(23,030,304)	(21,867,730)
Deferred tax assets (liabilities)	12	(948,425)	592,311
Net profit for the period		62,973,508	62,207,506

Earnings per share	13
Basic		16.66	16.84
Diluted		16.45	16.64




Islam Zekry		Hisham Ezz Al-Arab
Group CFO & Executive Board Member		CEO & Executive Board Member

Condensed Separate Interim Statement of Comprehensive Income for The Period Ended September 30, 2026
	Last 9 Months	Last 9 Months
	Sep. 30, 2026	Sep. 30, 2025
Net profit for the period	62,973,508	62,207,506
Transferred to RE from financial assets at fair value through OCI	-	3,586
Net change on financial assets at fair value through comprehensive income after tax	(7,623,412)	6,805,836
Effect of ECL on debt instruments measured at fair value through OCI	(1,213,889)	(399,884)
Total comprehensive income for the period	54,136,207	68,617,044

Condensed Separate Interim Cash Flows for The Period Ended September 30, 2026
		Notes	Sep. 30, 2026	Sep. 30, 2025
	Cash flow from operating activities
	Profit before income tax		86,952,237	83,482,925
	Adjustments to reconcile profits to net cash provided by operating activities
	Fixed assets depreciation	22	1,741,775	1,244,370
	Impairment release/charge for credit losses (loans and advances to customers and banks)	11	(831,266)	(7,980,073)
	Net charge/release for other provisions	27	703,491	(4,080,370)
	Impairment release/charge for credit losses (due from banks)	11	10,622	151,236
	Impairment release/charge for credit losses (financial investments)	11	(618,431)	(148,160)
	Exchange revaluation differences for financial assets at fair value through OCI and AC		(14,793,139)	4,669,694
	Revaluation differences impairment charge for Financial Assets at Fair value through OCI		348,094	(225,004)
	Revaluation differences impairment charge for Financial Assets at Amortized cost		14,301	(16,709)
	Revaluation differences impairment charge for due from banks		12,012	(7,813)
	Net utilized/recovered for other provisions	27	(1,205,347)	(2,039)
	Exchange revaluation differences of other provisions	27	480,283	(52,461)
	Profits/losses from selling property and equipment		(4,500)	(8,006)
	Profits/losses from selling financial investments at fair value through OCI	19.2	(360,970)	(416,668)
	Profits/losses from selling investments in associates	19.2	-	(181,560)
	Share based payments		1,218,347	990,324
	Operating profits before changes in operating assets and liabilities		73,667,509	77,419,686

	Net decrease / increase in assets and liabilities
	Due from banks		(24,164,341)	158,353,929
	Financial assets at fair value through P&L		-	(2,203,869)
	Derivative financial instruments		370,892	(306,569)
	Loans and advances to banks and customers		(126,593,623)	(120,567,170)
	Other assets		(395,375)	(2,706,703)
	Due to banks	23	18,029,518	4,726,166
	Due to customers	24	347,110,743	75,309,375
	Current income tax obligations paid		(6,948,901)	(6,009,912)
	Other liabilities		(15,413,075)	(12,872,687)
	Net cash generated from (used in) operating activities		265,663,347	171,142,246

	Cash flow from investing activities
	Proceeds from sale of investments in associates		-	339,920
	Payments for investment in subsidiaries		(8,459,135)	(542,256)
	Payments for purchases of property, equipment and branches construction		(6,116,703)	(5,833,944)
	Proceeds from selling property and equipment	10	4,500	8,006
	Proceeds from redemption of financial assets at amortized cost		12,259,860	21,249,023
	Payments for purchases of financial assets at amortized cost		(105,671,194)	(83,115,289)
	Payments for purchases of financial assets at fair value through OCI		(154,612,829)	(192,334,673)
	Proceeds from selling financial assets at fair value through OCI		157,194,816	98,063,752
	Net cash generated from (used in) investing activities		(105,400,685)	(162,165,461)

Condensed Separate Interim Cash Flows for The Period Ended September 30, 2026 (Cont.)
			Sep. 30, 2026	Sep. 30, 2025
	Cash flow from financing activities
	Other loans		1,829,228	6,286,889
	Dividends		(29,037,813)	(14,714,434)
	Issued debt instruments		(4,761,558)	(288,320)
	Capital increase		272,030	276,930
	Net cash generated from (used in) financing activities		(31,698,113)	(8,438,935)

	Net increase (decrease) in cash and cash equivalent during the period		128,564,549	537,850
	Beginning balance of cash and cash equivalent		141,266,643	227,028,744
	Cash and cash equivalent at the end of the period		269,831,192	227,566,594

	Cash and cash equivalent comprise:
	Cash and balances at the central bank	14	100,320,998	20,916,631
	Due from banks		277,231,543	228,295,965
	Treasury bills and other governmental notes	16	185,717,863	140,546,840
	Obligatory reserve balance with CBE		(73,614,596)	(2,725,245)
	Due from banks with maturity more than three months		(34,106,753)	(19,202,757)
	Treasury bills and other governmental notes with maturity more than three months		(185,717,863)	(140,264,840)
	Total cash and cash equivalent		269,831,192	227,566,594

Condensed Separate Interim Statement of Changes in Shareholders' Equity
Sep. 30, 2025	Issued and paid capital	Legal reserve	General reserve	General risk reserve	Special reserve	Capital reserve	Reserve for financial assets at fair value through OCI	Banking risks reserve	Retained earnings	Reserve for employee stock ownership plan	Total

Beginning Balance	30,431,580	6,208,674	62,422,792	1,549,445	-	22,818	(7,095,741)	17,924	56,260,451	1,868,235	151,686,178
Capital increase	276,930	-	-	-	-	-	-	-	-	-	276,930
Transferred to reserves	-	2,771,284	19,758,610	-	-	2,246	-	-	(21,744,828)	(787,312)	-
Dividend paid	-	-	-	-	-	-	-	-	(14,714,434)	-	(14,714,434)
Net profit for the period	-	-	-	-	-	-	-	-	62,207,506	-	62,207,506
Transferred to RE from financial assets at fair value through OCI	-	-	-	-	-	-	3,586	-	(3,586)	-	-
Transferred from net profit to special reserve	-	-	-	-	13,145,012	-	-	-	(13,145,012)	-	-
Net change on financial assets at fair value through OCI after tax	-	-	-	-	-	-	6,805,836	-	-	-	6,805,836
Transferred (from) to banking risk reserve	-	-	-	-	-	-	-	(2,628)	2,628	-	-
Effect of ECL on debt instruments measured at fair value through OCI	-	-	-	-	-	-	(399,884)	-	-	-	(399,884)
Cost of employees' stock ownership plan (ESOP)	-	-	-	-	-	-	-	-	-	990,324	990,324
Ending Balance	30,708,510	8,979,958	82,181,402	1,549,445	13,145,012	25,064	(686,203)	15,296	68,862,725	2,071,247	206,852,456


Sep. 30, 2026	Issued and paid capital	Legal reserve	General reserve	General risk reserve	Special reserve	Capital reserve	Reserve for financial assets at fair value through OCI	Banking risks reserve	Retained earnings	Reserve for employee stock ownership plan	Total

Beginning Balance	33,779,361	8,979,958	79,110,551	1,549,445	13,145,012	25,064	2,601,268	15,296	88,465,246	2,343,532	230,014,733
Capital increase	272,030	-	-	-	-	-	-	-	-	-	272,030
Transferred to reserves	-	4,089,832	31,449,216	-	-	13,005	-	-	(34,709,007)	(843,046)	-
Dividends paid	-	-	-	-	-	-	-	-	(29,037,813)	-	(29,037,813)
Net profit for the period	-	-	-	-	-	-	-	-	62,973,508	-	62,973,508
Net change on financial assets at fair value through OCI after tax	-	-	-	-	-	-	(7,623,412)	-	-	-	(7,623,412)
Transferred (from) to banking risk reserve	-	-	-	-	-	-	-	(8,804)	8,804	-	-
Effect of ECL on debt instruments measured at fair value through OCI	-	-	-	-	-	-	(1,213,889)	-	-	-	(1,213,889)
Cost of employees' stock ownership plan (ESOP)	-	-	-	-	-	-	-	-	-	1,218,347	1,218,347
Ending Balance	34,051,391	13,069,790	110,559,767	1,549,445	13,145,012	38,069	(6,236,033)	6,492	87,700,738	2,718,833	256,603,504

CIB - Condensed Balance Sheet Standalone (9M26)

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