EBank’s 9M 2026 Net Profit Jumps 12% to EGP 4.83 Billion as Assets Surpass EGP 230 Billion
The consolidated financial indicators of the Export Development Bank of Egypt (EBank) revealed a 12% growth in net profit during the first nine months of 2026, reaching EGP 4.829 billion compared to EGP 4.313 billion during the same period in 2025—an increase of EGP 516 million.
Regarding pre-tax profits, the financial statements for the period ended September 30, 2026, showed a 26.6% rise to EGP 7.846 billion, up from EGP 6.195 billion in the comparative period last year, marking an increase of approximately EGP 1.651 billion.
Net Interest Income Grows to EGP 8.09 Billion
The bank’s interest income rose by 6% during the first nine months of 2026, recording EGP 23.495 billion compared to EGP 22.160 billion in the corresponding period of 2025, an increase of EGP 1.335 billion. Conversely, interest expenses increased by 10.1% to EGP 16.404 billion, up from EGP 14.902 billion last year.
Consequently, net interest income rose by 11.5% to reach EGP 8.091 billion by the end of September 2026, compared to EGP 7.257 billion in the comparative period. Net interest margin (NIM) also improved by 1.69 percentage points, reaching 34.44% compared to 32.75%.
Total Assets Exceed EGP 230 Billion
The bank’s financial position recorded remarkable expansion, with total assets growing by 10.3% to reach EGP 230.044 billion at the end of September 2026, compared to EGP 208.520 billion at the end of December 2025—an increase of EGP 21.524 billion.
Key asset components were distributed as follows:
Cash and Balances with the Central Bank of Egypt (CBE): Increased by EGP 762 million to reach EGP 20.057 billion, compared to EGP 19.295 billion at the end of 2025.
Due from Banks: Decreased by approximately EGP 6.111 billion to record EGP 14.840 billion, compared to EGP 20.951 billion.
Financial Investments at Fair Value through Other Comprehensive Income (FVOCI): Reached EGP 40.275 billion, compared to EGP 43.326 billion at the end of last year.
Financial Investments at Amortized Cost: Recorded EGP 23.019 billion, compared to EGP 22.931 billion at the end of December 2025.
Customer Deposits Jump 16.4% and Loan Portfolio Grows 21.8%
The bank successfully attracted additional liquidity worth EGP 23.444 billion during the first nine months of 2026, lifting total customer deposits by 16.4% to reach EGP 166.728 billion at the end of September, up from EGP 143.284 billion at the end of December 2025.
In parallel, the bank expanded its lending activity; net loans and facilities to customers and banks (after deducting provisions) jumped by 21.8% to record EGP 110.358 billion, compared to EGP 90.589 billion at the end of 2025, an increase of EGP 19.769 billion. Customer loans alone rose by 20.1% to EGP 102.683 billion, while loans to banks surged by 51.4% to record EGP 7.675 billion.
Shareholders' Equity Reaches EGP 28.51 Billion
Financial data showed a 15.9% rise in total shareholders' equity, reaching EGP 28.510 billion at the end of September 2026, compared to EGP 24.603 billion at the end of 2025—an increase of EGP 3.907 billion.
Issued and paid-up capital remained stable at EGP 13.6 billion, alongside EGP 4.4 billion recorded under capital increase payments (compared to zero in December 2025). Reserves also grew by 20.3% to reach EGP 3.031 billion, while retained earnings declined by 11.5% to record EGP 7.439 billion.
Major Positive Turnaround in Operating Cash Flows
The consolidated cash flow statement achieved a notable turnaround in operating activities, recording net positive cash inflows of EGP 18.681 billion during the first nine months of 2026, compared to net outflows of EGP 6.960 billion in the comparative period of 2025—a total improvement of EGP 25.641 billion.
Meanwhile, net cash used in investing activities amounted to EGP 9.654 billion (compared to EGP 8.456 billion), while net cash outflows from financing activities decreased by 19.4% to record EGP 1.942 billion.
Standalone Q3 Profits Decline by 43.9%
On a standalone quarterly basis for Q3 (July – September 2026), the bank’s net profit declined by 43.9% to record EGP 934.472 million, compared to EGP 1.666 billion during the corresponding quarter of 2025, a decrease of EGP 731.528 million.
Pre-tax profit during Q3 stood at approximately EGP 1.663 billion, while net interest income reached EGP 2.722 billion, and net fee and commission income recorded roughly EGP 170 million.
