The earnings call presents a strong financial performance by CIB, highlighted by significant loan and deposit growth, high ROE, and a strong capital position. Despite challenges such as increased administrative expenses and natural NIM compression, the bank's strategic initiatives and favorable macroeconomic conditions contributed to a positive outlook.

Company Guidance

During the CIB's 3Q '25 earnings call, management provided guidance based on the bank's recent financial performance and macroeconomic conditions. The bank reported a loan growth of EGP 119 billion, translating to a 30% increase, driven by a 38% increase in local currency loans and a 17% increase in foreign currency loans. Deposits reached EGP 1.04 trillion, up by 8%, with the CASA ratio improving from 55% to 60%. The bank's loan-to-deposit ratio rose to 49.7%, with local currency NIMs at 13%, amidst a declining interest rate environment. Costs were managed efficiently, with a cost-to-income ratio of 14.3%. The recalibrated ECL model led to a one-time provision release of EGP 13.1 billion. CIB's ROE was recorded at 45.9%, with a CET1 ratio of 26%. The bank expects continued strong performance with a focus on disciplined growth, maintaining a solid balance sheet, and leveraging macroeconomic improvements.

Strong Loan Growth

Loans grew by EGP 119 billion, translating to a growth of 30%, driven by local currency loan bookings of 38% and foreign currency loans growing by 17%.

Deposit Growth and CASA Improvement

Total deposits recorded EGP 1.04 trillion, growing by 8% or EGP 75.3 billion year-to-date. The healthy share of CASA to total deposits grew from 55% last year to 60% this year.

High Return on Equity

ROE recorded 45.9% and upon excluding the one-off provision release, it's 37.7%.

Record Noninterest Income Growth

Fees and commissions income grew by 22% year-over-year.

Strong Capital Position

Maintained a strong capital position with a CAR of 30% and a CET1 ratio of 26% by end of third quarter 2025.

Grupo Cibest (CIB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CIB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Feb 19, 2026	2025 (Q4)	- / -	―	―	―	―
Nov 06, 2025	2025 (Q3)	1.81 / 2.37	1.435	64.88% (+0.93)	―	―
Aug 06, 2025	2025 (Q2)	1.67 / 1.85	1.491	24.41% (+0.36)	―	―
May 05, 2025	2025 (Q1)	1.61 / 1.70	1.778	-4.22% (-0.07)	―	―
Feb 19, 2025	2024 (Q4)	1.39 / 1.70	1.539	10.72% (+0.17)	―	―
Nov 07, 2024	2024 (Q3)	1.42 / 1.44	1.523	-5.78% (-0.09)	―	―
Aug 08, 2024	2024 (Q2)	1.48 / 1.49	1.535	-2.87% (-0.04)	―	―
May 09, 2024	2024 (Q1)	1.44 / 1.78	1.577	12.75% (+0.20)	―	―
Feb 20, 2024	2023 (Q4)	1.40 / 1.54	1.411	9.07% (+0.13)	―	―
Nov 08, 2023	2023 (Q3)	1.42 / 1.52	1.411	7.94% (+0.11)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CIB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Nov 06, 2025	$60.27	$63.22	+4.89%
Aug 06, 2025	$45.40	$46.64	+2.73%
May 05, 2025	$40.47	$41.19	+1.78%
Feb 19, 2025	$37.10	$37.48	+1.02%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Grupo Cibest (CIB) report earnings?

Grupo Cibest (CIB) is schdueled to report earning on Feb 19, 2026, After Close (Confirmed).

What is Grupo Cibest (CIB) earnings time?

Grupo Cibest (CIB) earnings time is at Feb 19, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

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What is CIB EPS forecast?

Currently, no data Available

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