Banque Du Caire (BQDC) Q3 2025 earnings summary

Executive summary

• Nine-month net profit reached EGP 12,571,704 thousand, up 46% YoY; operating income increased 22% to EGP 30.6bn.

• At 30 September 2025, total assets were EGP 534,792,254 thousand and customer deposits were EGP 397,444,923 thousand; gross loans reached EGP 251bn.

• Limited review concluded that nothing came to the reviewers’ attention indicating the interim statements were not fairly presented in all material respects.

Financial highlights

• Nine-month net interest income was EGP 25,128,413 thousand, up 25% YoY; net fee and commission income was EGP 4,555,466 thousand, up 9%.

• Profit before tax reached EGP 17,695,657 thousand, up 40% YoY; net profit was EGP 12,571,704 thousand, versus EGP 8,639,785 thousand.

• Nine-month operating income rose 22% to EGP 30.6bn; administrative expenses increased 24% to EGP 9.9bn and ECL expense increased 14% to EGP 3.8bn.

• Q3 net profit was EGP 5,112,092 thousand versus EGP 2,929,534 thousand; Q3 operating income was EGP 10.3bn, up 16% YoY.

• Total comprehensive income was EGP 13,092,004 thousand; nine-month basic EPS was EGP 1.24.

Segment performance

• Gross loan growth included increases of EGP 13.1bn in corporate banking and EGP 10.8bn in retail banking; profit growth was supported by retail, treasury, corporate and SME segments.

• Retail loans were EGP 99,570,799 thousand and corporate loans EGP 128,414,888 thousand at 30 September 2025; net customer loans were EGP 209,867,757 thousand.

• Geographic credit exposure totaled EGP 410,717,215 thousand, including EGP 309,210,675 thousand in Cairo; geographic segment assets in Cairo were EGP 454,547,443 thousand.