Banque Du Caire (BQDC) investor relations material

Executive summary

• 9M 2026 consolidated net profit was EGP 13.11bn, up 4.7% YoY; growth was ~19% excluding three non-recurring 2025 income items.

• Core revenues increased 10.8% to EGP 33.72bn on reported comparatives; normalized growth was 14.5%.

• Total assets were EGP 600.93bn at 30 September 2026, versus EGP 540.38bn at 31 December 2025.

• Total comprehensive income was EGP 11.12bn versus EGP 13.04bn in 9M 2025, reflecting negative OCI on debt instruments at FVOCI.

• Deposits grew 17.0% YtD to EGP 473.48bn; gross loans to customers and banks rose 11.3% to EGP 287.37bn.

Financial highlights

• Consolidated operating income increased 10.5% to EGP 34.56bn; profit before tax rose 8.1% to EGP 19.19bn.

• Net interest income grew 10.4% to EGP 28.45bn and net fee and commission income rose 13.0% to EGP 5.26bn.

• Expected credit loss charges declined 44.0% to EGP 2.11bn; administrative expenses increased 18.0% to EGP 12.44bn.

• Q3 net profit fell 13.1% QoQ to EGP 4.17bn as credit loss charges rose to EGP 1.09bn from EGP 0.49bn in Q2.

Key financial ratios and metrics

• Annualized ROAE was 26.3%, ROAA 3.1%, net interest margin 7.2% and cost-to-income ratio 36.0%.

• NPLs were 3.70% of gross loans, with 173.1% coverage; adjusted standalone NPL ratio excluding legacy loans was 2.49%.

• Capital adequacy ratio was 22.15%, Tier 1 was 18.73%, and leverage ratio was 10.27%, above the 3% minimum.

• Standalone LCR was 759.0% and NSFR 177.3%; gross loan-to-deposit ratio was 60.7%, and CASA was 52.7%, up 130 bps YtD.