Arab African International Bank (AAIB) announced its financial results for the first half of 2026, delivering a 27% year-over-year increase in net profit to reach USD 202.8 million, supported by robust revenue growth, improved operational efficiency, and disciplined risk management.
Key Financial Highlights
Net Banking Income: Rose 15% year-over-year to USD 398.4 million, driven by an 18% increase in net interest income.
Asset Quality: The Non-Performing Loan (NPL) ratio improved sharply to 1.2% (compared to 2.1% in December 2025), reflecting strong asset quality and material recoveries.
Profitability & Capital: Annualized Return on Average Equity (ROAE) reached 13.5%, while the Capital Adequacy Ratio stood strong at 18.3%, well above the 12.75% regulatory requirement.
Balance Sheet Momentum: Total assets grew 5% to USD 21.1 billion. Customer loans increased 16% to USD 5.8 billion, and customer deposits rose 4% to USD 15 billion.
Summary Financial Disclosures (in USD Mn)Net Interest Income: H1 2025: 293.5 | H1 2026: 346.2 | Growth: 18% Net Banking Income: H1 2025: 346.3 | H1 2026: 398.4 | Growth: 15% Net Profit: H1 2025: 160.2 | H1 2026: 202.8 | Growth: 27% EPS (USD / share): H1 2025: 1.45 | H1 2026: 1.84 | Growth: 27%
Outlook
Going into the second half of 2026, AAIB will continue to navigate global economic uncertainties by optimizing its balance sheet, streamlining assets, managing risks prudently, and delivering sustainable double-digit returns to shareholders.
Established in 1964 as Egypt’s first multi-national bank, AAIB operates a network of 103 branches in Egypt alongside a presence in the UAE, offering comprehensive retail, corporate, and investment banking solutions.
