The standalone financial statements of Commercial International Bank (CIB) for the first 3 months of 2026 show that the bank's net profit rose to EGP 17.738 billion at the end of March 2026, up 6.9% from EGP 16.595 billion at the end of March 2025.

The bank's financial data show that large corporates accounted for 48% of CIB's net profit at the end of the first quarter of 2026, with the segment's net profit reaching EGP 8.51 billion. Retail accounted for 21.5% of the bank's net profit at the end of March 2026, with the segment's net profit at EGP 3.806 billion.

Investments accounted for 20.4% of the bank's net profit at the end of last March, with the segment's net profit at EGP 3.615 billion.

The statements also showed that the asset and liability management segment accounted for 5.4% of the bank's net profit in the first 3 months of 2026, with the segment's net profit at EGP 966.7 million.

The bank's small and medium-sized enterprise segment earned EGP 838.9 million, accounting for 4.7% of the bank's net profit in the first quarter of this year.

Banky's view

The breakdown of Commercial International Bank (CIB)'s profits in the first quarter of 2026 shows the bank's continued reliance on its large-corporates business as the main driver of profitability, amid strong demand from large companies for financing and integrated banking services. This gave the segment an exceptional contribution of about 48% of total profit. The retail segment's 21.5% contribution confirms the bank's success in keeping its retail banking business strong, supported by growth in personal loans, cards and deposits, which diversifies its income sources and limits its reliance on any single segment.

The investments segment's 15.1% contribution reflects the bank's efficiency in managing its investment portfolio and benefiting from high interest rates over the past period, while profits from the asset and liability management segment show the bank's ability to manage liquidity efficiently and generate stable returns.

The growth in SME profits reflects the bank's drive to strengthen its presence in this promising business, especially with growing support for the sector in the Egyptian market, which could raise its contribution to profits in the coming periods.