Commercial International Bank-Egypt (CIB) reported consolidated net income of EGP 20.1bn in the fourth quarter of 2025, up 57% year on year. Full-year 2025 consolidated net income reached EGP 82.2bn, marking a 49% increase compared with 2024.
Commercial International Bank-Egypt (CIB) announced its financial results for fiscal year 2025 on Tuesday, with consolidated revenues reaching EGP 117bn, while fourth-quarter revenues amounted to EGP 33.7bn. The bank's management stated that 2025 ended on a strong note, supported by relative stability in domestic macroeconomic conditions and its continued commitment to enhancing the overall customer banking experience.
“Echoing the stability and predictability witnessed in local macroeconomic conditions, CIB delivered another remarkable set of results in 2025,” management said. Full-year net income reached EGP 82.2bn, growing by 49% year on year, equivalent to $1.7bn and representing growth of 59% in US-dollar terms. After normalising for the positive impact of the released provision from the Expected Credit Loss (ECL) model recalibration, full-year net income would have amounted to EGP 70.6bn, or $1.5bn, with year-on-year growth of 28% in local currency and 36% in US-dollar terms.
Revenue growth of 19% year on year drove the performance, supported by 19% balance-sheet expansion, while net interest margins remained resilient at 8.95%, down 53 basis points. Deposits grew by 14% to EGP 1.11trn, with local-currency deposits up 21% and foreign-currency up 12%. Gross loans expanded by 44% to EGP 576bn, or EGP 617bn after securitisation deals, with the loan-to-deposit ratio rising to 52%, and 71% for local currency.
CIB maintained a strong capital position, with a capital adequacy ratio of 27% and Common Equity Tier 1 ratio of 23%. The bank proposed a cash dividend representing a 25% payout ratio of net profit. In digital banking, active users grew 19% to over 2 million, and transaction value across digital channels increased 60% to EGP 5.3trn. The bank added 393,000 new customers, bringing the total to 2.5 million.