CBK Quarterly Financial Performance Overview

CBK reported steady quarterly results with core revenue meeting expectations and net slippage falling to 24bps. The bank achieved 4.7% QoQ loan growth, outperforming its peers through broad-based expansion.

Although reported NIM at 2.5% is the lowest in its peer group, it is expected to reach a bottom as new lending yields improve and deposit costs are optimized. The bank plans to absorb a one-time ECL impact—estimated at 10% of equity—over two years, with a minimal sustainable impact of less than 10bps.