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| TIDM | CBKD |
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Commercial Intnl Bank (Egypt) SAE released its Condensed Separate Interim Financial Statements on 12 May 2026, for the period ended March 31, 2026. The statements reported total assets of 1,560,794,750 as of March 31, 2026, and a net profit of 17,738,347 for the period ending March 31, 2026.
| Date | 12 May 2026 |
| Time | 10:18:09 |
| Category | Results |
| ID | 9495D |
Condensed Separate Interim Statement of Financial Position as at March 31, 2026 |
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Notes |
Mar. 31, 2026 |
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Dec. 31, 2025 |
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Assets |
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Cash and balances at the central bank |
14 |
91,222,851 |
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88,094,579 |
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Due from banks |
15 |
171,464,712 |
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136,581,804 |
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Loans and advances to banks, net |
17 |
55,185,042 |
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34,440,770 |
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Loans and advances to customers, net |
18 |
545,902,541 |
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503,361,099 |
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Derivative financial instruments |
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515,109 |
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620,349 |
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Financial investments |
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- Financial Assets at Fair Value through OCI |
19.1 |
374,988,506 |
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375,180,260 |
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- Financial Assets at Amortized cost |
19.1 |
264,070,109 |
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234,685,457 |
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Investments in subsidiaries and associates |
20 |
1,257,430 |
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1,157,430 |
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Non-current assets held for sale |
32 |
279,104 |
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279,104 |
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Other assets |
21 |
49,136,404 |
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53,904,113 |
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Deferred tax assets |
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1,185,389 |
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2,410,347 |
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Property and equipment |
22 |
5,587,553 |
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5,437,519 |
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Total assets |
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1,560,794,750 |
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1,436,152,831 |
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Liabilities and equity |
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Liabilities |
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Due to banks |
23 |
14,337,104 |
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3,796,866 |
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Due to customers |
24 |
1,210,058,565 |
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1,105,355,617 |
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Derivative financial instruments |
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81,585 |
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137,802 |
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Current income tax liabilities |
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5,380,432 |
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20,570,313 |
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Other liabilities |
25 |
60,117,408 |
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25,411,706 |
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Issued debt instruments |
26 |
5,455,820 |
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4,761,558 |
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Other loans |
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34,530,873 |
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30,471,499 |
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Other provisions |
27 |
16,594,297 |
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15,632,737 |
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Total liabilities |
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1,346,556,084 |
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1,206,138,098 |
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Equity |
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Issued and paid capital |
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33,779,361 |
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33,779,361 |
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Reserves |
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135,250,237 |
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105,426,594 |
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Reserve for employee stock ownership plan (ESOP) |
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2,715,948 |
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2,343,532 |
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Retained earnings* |
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42,493,120 |
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88,465,246 |
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Total equity and net profit for the period / year |
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214,238,666 |
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230,014,733 |
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Total liabilities and equity |
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1,560,794,750 |
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1,436,152,831 |
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The accompanying notes are an integral part of these financial statements. |
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(Review report attached) |
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* |
Including net profit for the period |
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Condensed Separate Interim Income Statement for The Period Ended March 31, 2026 |
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Notes |
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Mar. 31, 2026 |
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Mar. 31, 2025 |
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Interest and similar income |
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53,038,335 |
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52,299,641 |
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Interest and similar expense |
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(23,508,947) |
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(27,003,143) |
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Net interest income |
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29,529,388 |
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25,296,498 |
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Fee and commission income |
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4,407,520 |
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3,510,324 |
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Fee and commission expense |
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(2,221,186) |
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(1,586,144) |
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Net fee and commission income |
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2,186,334 |
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1,924,180 |
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Dividend income |
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24,830 |
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12,751 |
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Net trading income |
9 |
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418,338 |
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641,395 |
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Profits (losses) on financial investments |
19.2 |
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168,162 |
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376,684 |
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Administrative expenses |
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(4,971,613) |
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(3,748,977) |
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Other operating income (expenses) |
10 |
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(2,426,872) |
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(1,735,421) |
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Release (charges) for ECL |
11 |
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532,097 |
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(68,528) |
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Profit before income tax |
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25,460,664 |
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22,698,582 |
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Income tax expense |
12 |
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(6,304,551) |
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(6,514,216) |
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Deferred tax assets (liabilities) |
12 |
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(1,417,766) |
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411,246 |
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Net profit for the period |
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17,738,347 |
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16,595,612 |
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Earnings per share |
13 |
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Basic |
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4.65 |
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4.37 |
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Diluted |
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4.59 |
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4.32 |
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Islam Zekry |
Hisham Ezz Al-Arab |
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Group CFO & Executive Board Member |
CEO & Executive Board Member |
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Condensed Separate Interim Statement of Comprehensive Income for The Period Ended March 31, 2026 |
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Mar. 31, 2026 |
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Mar. 31, 2025 |
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Net profit for the period |
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17,738,347 |
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16,595,612 |
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Net change on financial assets at fair value through comprehensive income after tax |
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(4,612,788) |
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2,141,325 |
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Effect of ECL on debt instruments measured at fair value through OCI |
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(263,772) |
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841,407 |
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Total comprehensive income for the period |
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12,861,787 |
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19,578,344 |
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Condensed Separate Interim Cash Flows for The Period Ended March 31, 2026 |
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Notes |
Mar. 31, 2026 |
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Mar. 31, 2025 |
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Cash flow from operating activities |
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Profit before income tax |
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25,460,664 |
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22,698,582 |
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Adjustments to reconcile profits to net cash provided by operating activities |
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Fixed assets depreciation |
22 |
544,724 |
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353,476 |
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Impairment release/charge for credit losses (loans and advances to customers and banks) |
11 |
(328,665) |
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(1,099,420) |
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Net charge/release for other provisions |
27 |
989,760 |
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317,074 |
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Impairment release/charge for credit losses (due from banks) |
11 |
7,565 |
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144,661 |
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Impairment release/charge for credit losses (financial investments) |
11 |
(210,997) |
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1,023,287 |
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Exchange revaluation differences for financial assets at fair value through OCI and AC |
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(23,298,906) |
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212,785 |
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Revaluation differences impairment charge for Financial Assets at Fair value through OCI |
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534,661 |
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(13,337) |
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Revaluation differences impairment charge for Financial Assets at Amortized cost |
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51,512 |
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1,240 |
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Revaluation differences impairment charge for due from banks |
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19,270 |
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- |
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Net utilized/recovered for other provisions |
27 |
(1,152,649) |
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(520) |
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Exchange revaluation differences of other provisions |
27 |
1,124,449 |
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103,160 |
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Profits/losses from selling property and equipment |
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- |
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(6,006) |
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Profits/losses from selling financial investments at fair value through OCI |
19.2 |
(168,162) |
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(195,124) |
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Profits/losses from selling investments in associates |
19.2 |
- |
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(181,560) |
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Share based payments |
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372,416 |
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316,185 |
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Operating profits before changes in operating assets and liabilities |
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3,945,642 |
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23,674,483 |
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Net decrease / increase in assets and liabilities |
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Due from banks |
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527,549 |
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121,695,741 |
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Derivative financial instruments |
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68,390 |
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(142,036) |
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Loans and advances to banks and customers |
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(62,957,049) |
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(26,329,852) |
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Other assets |
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5,056,275 |
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6,045,337 |
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Due to banks |
23 |
10,540,238 |
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1,734,021 |
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Due to customers |
24 |
104,702,948 |
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28,224,178 |
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Current income tax obligations paid |
|
(924,119) |
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(948,354) |
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Other liabilities |
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(6,132,228) |
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(1,891,062) |
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Net cash generated from (used in) operating activities |
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54,827,646 |
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152,062,456 |
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Cash flow from investing activities |
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Proceeds from sale of investments in associates |
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- |
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226,698 |
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Payments for investment in subsidiaries |
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(100,000) |
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(140,000) |
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Payments for purchases of property, equipment and branches construction |
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(983,324) |
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(3,193,660) |
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Proceeds from selling property and equipment |
10 |
- |
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6,006 |
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Proceeds from redemption of financial assets at amortized cost |
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8,104,535 |
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2,537,401 |
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Payments for purchases of financial assets at amortized cost |
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(35,484,752) |
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(23,457,385) |
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Payments for purchases of financial assets at fair value through OCI |
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(45,986,599) |
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(29,004,342) |
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Proceeds from selling financial assets at fair value through OCI |
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62,163,317 |
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6,611,128 |
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Net cash generated from (used in) investing activities |
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(12,286,823) |
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(46,414,154) |
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Condensed Separate Interim Cash Flows for The Period Ended March 31, 2026 (Cont.) |
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Mar. 31, 2026 |
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Mar. 31, 2025 |
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Cash flow from financing activities |
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Other loans |
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4,059,374 |
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(13,765) |
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Dividends |
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(8,742,653) |
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(6,552,255) |
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Issued debt instruments |
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694,262 |
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(22,830) |
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Net cash generated from (used in) financing activities |
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(3,989,017) |
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(6,588,850) |
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Net increase (decrease) in cash and cash equivalent during the period |
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38,551,806 |
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99,059,452 |
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Beginning balance of cash and cash equivalent |
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141,266,643 |
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227,028,744 |
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Cash and cash equivalent at the end of the period |
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179,818,449 |
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326,088,196 |
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Cash and cash equivalent comprise: |
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Cash and balances at the central bank |
14 |
91,222,851 |
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67,709,656 |
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Due from banks |
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171,624,229 |
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314,289,639 |
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Treasury bills and other governmental notes |
16 |
129,038,860 |
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116,517,989 |
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Obligatory reserve balance with CBE |
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(70,980,930) |
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(43,718,398) |
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Due from banks with maturity more than three months |
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(12,048,530) |
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(14,867,792) |
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Treasury bills and other governmental notes with maturity more than three months |
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(129,038,031) |
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(113,842,898) |
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Total cash and cash equivalent |
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179,818,449 |
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326,088,196 |
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Condensed Separate Interim Statement of Changes in Shareholders' Equity |
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Mar. 31, 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 |
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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 |
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Transferred to reserves |
- |
2,771,284 |
18,971,298 |
- |
- |
2,246 |
- |
- |
(21,744,828) |
- |
- |
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Dividend paid |
- |
- |
- |
- |
- |
- |
- |
- |
(14,714,434) |
- |
(14,714,434) |
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Net profit for the period |
- |
- |
- |
- |
- |
- |
- |
- |
16,595,612 |
- |
16,595,612 |
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Net change on financial assets at fair value through OCI after tax |
- |
- |
- |
- |
- |
- |
2,141,325 |
- |
- |
- |
2,141,325 |
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|
Transferred (from) to banking risk reserve |
- |
- |
- |
- |
- |
- |
- |
(2,628) |
2,628 |
- |
- |
|
|
|
Effect of ECL on debt instruments measured at fair value through OCI |
- |
- |
- |
- |
- |
- |
841,407 |
- |
- |
- |
841,407 |
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Cost of employees' stock ownership plan (ESOP) |
- |
- |
- |
- |
- |
- |
- |
- |
- |
316,185 |
316,185 |
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|
Ending Balance |
30,431,580 |
8,979,958 |
81,394,090 |
1,549,445 |
- |
25,064 |
(4,113,009) |
15,296 |
36,399,429 |
2,184,420 |
156,866,273 |
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Mar. 31, 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 |
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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 |
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|
Transferred to reserves |
- |
4,089,832 |
30,606,170 |
- |
- |
13,005 |
- |
- |
(34,709,007) |
- |
- |
|
|
|
Dividends paid |
- |
- |
- |
- |
- |
- |
- |
- |
(29,010,270) |
- |
(29,010,270) |
|
|
|
Net profit for the period |
- |
- |
- |
- |
- |
- |
- |
- |
17,738,347 |
- |
17,738,347 |
|
|
|
Net change on financial assets at fair value through OCI after tax |
- |
- |
- |
- |
- |
- |
(4,612,788) |
- |
- |
- |
(4,612,788) |
|
|
|
Transferred (from) to banking risk reserve |
- |
- |
- |
- |
- |
- |
- |
(8,804) |
8,804 |
- |
- |
|
|
|
Effect of ECL on debt instruments measured at fair value through OCI |
- |
- |
- |
- |
- |
- |
(263,772) |
- |
- |
- |
(263,772) |
|
|
|
Cost of employees' stock ownership plan (ESOP) |
- |
- |
- |
- |
- |
- |
- |
- |
- |
372,416 |
372,416 |
|
|
|
Ending Balance |
33,779,361 |
13,069,790 |
109,716,721 |
1,549,445 |
13,145,012 |
38,069 |
(2,275,292) |
6,492 |
42,493,120 |
2,715,948 |
214,238,666 |
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