CBQK: Higher ECL weighed on profit as core income grew and strategic execution continued

9M operating income rose 2.9%, but higher provisions reduced profit; net cost of risk reached 108 bps after a macroeconomic ECL adjustment. Strategy remains focused on disciplined growth, fee income, digital investment, and legacy-book cleanup.

Based on Commercial Bank (Q.S.C.) [CBQK] Q3 2026 Audio Transcript — Oct. 26 2026