CIB Achieves Record EGP 62.1 Billion Net Income in 9M-2025, Driven by Strong Core Growth and Strategic Provision Recalibration
Commercial International Bank (CIB Egypt) announced consolidated net income of EGP 28.8 billion for Q3-2025 and EGP 62.1 billion for the first nine months of 2025, up 47% year-on-year, marking a historic performance milestone.
The Bank highlighted that the results reflect a robust balance sheet, strategic recalibration of Expected Credit Losses (ECL) releasing EGP 13.1 billion transferred to a Special Reserve, and sustained growth in commercial banking activities.
CIB became the first private-sector bank in Egypt to surpass EGP 1 trillion in customer deposits, with CASA ratio rising to 60% and gross loans up 47% YoY to achieve a 9.65% corporate loan market share. The Bank reported a Return on Average Equity (ROAE) of 45.9% and maintained a CET1 ratio of 26%.
Digitally, CIB’s transaction volumes surged—digital platform usage up 17%, with total digital transaction value hitting EGP 3.6 trillion, while over 132,000 credit cards were issued in the first nine months of 2025, underscoring the Bank’s ongoing leadership in digital transformation.
