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# CIB Egypt Q1 2025 Net Income Rises 39% to EGP 16.6 Billion on Lower Provisions and Loan Growth
- URL: https://www.theglobalbanker.com/cib-egypt-q1-2025-net-income-rises-39-percent-egp-16-6-billion-lower-provisions-loan-growth/
- Published: 2025-05-13T14:20:00.000Z
- Updated: 2026-10-02T13:59:22.000Z
- Description: Commercial International Bank Egypt posted Q1 2025 consolidated net income of EGP 16.6 billion, up 39.5% year-on-year, with ROAE of 43% and provisions down more than 95%.
- Author: TGB Editorial Team
- Tags: Banking News, MENA, #archive

Commercial International Bank Egypt reported consolidated net income of EGP 16.6 billion for the first quarter of 2025, a 39.5% increase year-on-year, with earnings per share reaching EGP 4.83, the bank reported on 13 May 2025\. Return on average equity was 43%.

Net funded income — the primary revenue line for the bank's lending and deposit activities — expanded 35.1% year-on-year to EGP 25.4 billion, driven by a combination of loan book growth and the elevated Egyptian interest rate environment that has prevailed since the central bank's tightening, which culminated in a 600-basis-point hike alongside the March 2024 currency liberalisation. Net advances rose 40% year-on-year to EGP 380.4 billion.

#### PROVISIONS FALL ON MODEL RECALIBRATION

CIB booked only EGP 68.5 million in provisions during the quarter, compared with EGP 1.48 billion in Q1 2024, a reduction of more than 95%. The bank attributed the movement to a recalibration of its expected credit loss model, after the bank concluded that the conservative assumptions of recent years had pushed provisioning well above market averages.

The non-performing loan ratio stood at 3.1%, with provision coverage of 337%. 

#### LOAN GROWTH

Growth in net advances was led by the corporate banking segment, with local-currency loans up 52% year-on-year.