Banque du Caire posts EGP 13.1bn consolidated net profit in 9M 2026

Banque du Caire provided strong monetary efficiency throughout the very first 9 months of 2026, supported by robust core success, healthy organization development, an enhancing financing mix and a strong capital position.

The bank’s combined net earnings increased by roughly 19% after omitting the effect of 3 non-recurring earnings products identified throughout the relative duration in 2025.
Net earnings
The bank tape-recorded combined net revenue of EGP 13.1 bn throughout the very first 9 months of 2026, compared to EGP 11.06 bn in the matching duration of 2025. Leaving out the effect of 3 non-recurring earnings products identified throughout the relative duration, net revenue development reached around 19%.

These products made up earnings produced from an interest-free subordinated loan, which was paid back in December 2025; dividend earnings from the bank’s financial investment in the African Export-Import Bank (Afreximbank), which was consequently offered; and forex gains related to this foreign currency-denominated financial investment.

Earnings before tax reached EGP 19.2 bn, compared to EGP 15.9 bn in the very same duration of the previous year, representing a boost of 20.9%.
Overall operating earnings
Consolidated overall operating earnings increased by 16.2% throughout the very first 9 months of 2026 to EGP 34.6 bn, compared to EGP 29.74 bn in the matching duration of 2025. This development was driven by a 14.8% boost in net interest earnings and a 13.0% increase in net cost and commission earnings.

Core incomes, making up net interest earnings and net charge and commission earnings, increased by 14.5% to EGP 33.7 bn.

Administrative costs increased by 18.0% to EGP 12.4 bn, showing ongoing financial investment in core banking modernisation and digital change. The cost-to-income ratio stood at 36.0%.
Overall properties
Consolidated overall possessions increased by 11.2% to EGP 600.9 bn since September 30, 2026, compared to EGP 540.4 bn at the end of December 2025. Possessions likewise grew by 7.1% compared to the end of June 2026.

Client deposits increased by 17.0%, or around EGP 69bn, to EGP 473.5 bn, representing quarter-on-quarter development of 6.7%. Retail consumers represented 74% of the deposit base, while the bank account and cost savings account (CASA) ratio enhanced by 130 basis indicate 52.7%.

Gross loans to clients and banks increased by 11.3% to EGP 287.4 bn, representing quarter-on-quarter development of 2.5%. Business financing increased by 12.0%, while retail financing grew by 10.2%. The gross loan-to-deposit ratio stood at 60.7%.

Overall equity, consisting of non-controlling interests, increased by 12.3% to EGP 70.3 bn.
Possession quality and capital adequacy
Property quality stayed sound, with the non-performing loan (NPL) ratio standing at 3.70% and the arrangement protection ratio reaching 173.1% since September 30, 2026.

On a standalone basis, the adjusted NPL ratio, omitting loans approved before 2020, stood at 2.49%.

Anticipated credit loss charges decreased by 44.0% to EGP 2.1 bn, compared to EGP 3.8 bn in the matching duration of the previous year. The expense of threat likewise enhanced to 1.03%, compared to 2.09% in the very first 9 months of 2025.

The bank kept a strong capital base, with a capital adequacy ratio of 22.15% and a Tier 1 capital ratio of 18.73%.

Its liquidity position likewise stayed strong, with a liquidity protection ratio of 759.0% and a net steady financing ratio of 177.3%, both on a standalone basis.

Annualised return on typical equity stood at 26.3%, while annualised return on typical properties reached 3.1%. Net interest margin stood at 7.2%.
Third-quarter efficiency
Throughout the 3rd quarter of 2026, combined operating earnings increased by 2.2% quarter on quarter to EGP 11.8 bn, while core incomes increased by 1.7% to EGP 11.5 bn.

Net earnings decreased by 13.1% to EGP 4.2 bn, compared to EGP 4.8 bn in the 2nd quarter of 2026. This was primarily attributable to greater anticipated credit loss charges, which reached EGP 1.1 bn, compared to EGP 489m in the previous quarter, along with other costs of EGP 231m, compared to other earnings of EGP 115m in Q2 2026.