Banque Du Caire (BQDC) Q2 2025 earnings summary

Executive summary

• H1 2025 net profit rose to EGP 7,459,612 thousand from EGP 5,710,251 thousand YoY; total assets reached EGP 513,221,802 thousand at 30 June 2025.

• Operating income rose 25% YoY to EGP 20.3bn; total assets increased 6% YTD and gross loans rose 8% to EGP 245bn.

Financial highlights

• Net interest income reached EGP 16,548,512 thousand vs EGP 12,842,069 thousand; net fee and commission income was EGP 2,918,967 thousand vs EGP 2,637,624 thousand YoY.

• Profit before tax was EGP 10,726,072 thousand vs EGP 8,340,354 thousand; net profit was EGP 7,459,612 thousand vs EGP 5,710,251 thousand.

• Administrative expenses rose to EGP 6,631,443 thousand from EGP 5,017,155 thousand; ECL charges were EGP 3,116,084 thousand vs EGP 1,886,031 thousand.

• Customer deposits grew 8% YTD to EGP 380bn; fixed-income investments increased 25% to EGP 100bn.

Segment performance

• Gross loans grew EGP 18bn YTD, driven by increases of EGP 11.6bn in corporate and EGP 6.5bn in retail banking; PBT growth was supported by retail, treasury, corporate and SME segments.

• Retail loans and advances were EGP 95,241,640 thousand and corporate loans EGP 126,456,700 thousand at 30 June 2025.

• Geographic assets at 30 June 2025: Cairo EGP 434,118,442 thousand; Alexandria, Delta and Sinai EGP 54,145,252 thousand; Upper Egypt EGP 24,958,108 thousand.