Banque Du Caire (BQDC) Q4 2025 earnings summary

Executive summary

• Net profit after tax was EGP 16,069,644 thousand for FY2025, versus EGP 12,300,008 thousand in FY2024; the audit opinion was unmodified.

• Total assets reached EGP 540,381,955 thousand at 31 Dec 2025, versus EGP 489,369,729 thousand a year earlier.

Financial highlights

• Net interest income was EGP 34,971,529 thousand, versus EGP 28,728,977 thousand; net interest, fee and commission income was EGP 41,441,173 thousand, versus EGP 34,602,515 thousand.

• Profit before tax was EGP 23,316,140 thousand, versus EGP 17,928,621 thousand; income tax expense was EGP 7,246,496 thousand, versus EGP 5,628,613 thousand.

• Net fee and commission income was EGP 6,469,644 thousand, versus EGP 5,873,538 thousand; administrative expenses rose to EGP 14,559,756 thousand from EGP 11,677,033 thousand.

• Expected credit loss charge was EGP 5,601,714 thousand, versus EGP 3,683,538 thousand; other operating revenue was EGP 937,032 thousand, versus an expense of EGP 2,166,389 thousand.

• Q4 2025 operating income increased 13% YoY to EGP 10.871bn; profit after tax fell 5% to EGP 3.561bn.

Segment performance

• Gross loans grew EGP 30.7bn, driven by corporate banking growth of EGP 17.1bn and retail banking growth of EGP 13.5bn.

• Profit before tax growth was supported by retail, treasury, corporate and SME business segments; banking activities also include large, medium and small enterprises, investment, retail and other activities.