Commercial International Bank - Egypt (cib) S.a.e. · EGX:COMI
Commercial International Bank - Egypt (cib) S.a.e — Commercial International Bank - Egypt (CIB) S.A.E. — ESG Presentation (2025)
39 slides from Commercial International Bank - Egypt (cib) S.a.e's sustainability presentation, 2025
Slide 1: ESG Presentation 1H 2025
ESG Presentation 1H 2025
Slide 2: Disclaimer
DISCLAIMER By attending the meeting where this presentation deck is being presented and/or distributed or by reading through its slides, you agree with the following limitations: The information in this presentation may contain future projections and forward-looking statements that reflect the Bank’
Slide 3: CIB at a Glance
CIB AT A GLANCE In 2025, Commercial International Bank (CIB) celebrates 50 years of leadership and resilience, cementing its position as Egypt’s largest private-sector bank. The anniversary reflects CIB’s legacy of innovation, global trust, and its pioneering role in 5 10 sustainability—having embra
Slide 4: About CIB
ABOUT CIB 01 Investor Relations Presentation Q1 2025
Slide 5: CIB at a Glance
CIB AT A GLANCE Taking security seriously A dynamic long-term strategy CIB’s security and governance policies are aligned with international standards and CIB’s strategy centers on prudent balance sheet growth and funding best practices. Launched in 2017, the Bank’s Cybersecurity Operations Center i
Slide 6: CIB at a Glance
CIB AT A GLANCE Key Factors TotalAssets Presence Branches Employees Revenues 213 8,403 EGP 54.9bn EGP 1.32 (Trillion) 9% YtD Change Clients ATMs Market Cap +2mn 1,452 EGP 281bn Profits by Lines of bussiness Total Customer Desposits Subsidiaries and Associates • CIB Kenya Limited 100% • Commercial In
Slide 7: COMI and Credit Ratings
COMI AND CREDIT RATINGS STOCK EXCHANGES TICKER SHARE INFORMATION 52 WEEKS PERFORMANCE P/B Listed Egyptian Exchange (EGX) COMI Shares outstanding 3,070,851,000 High EGP 92 1.57* London Stock Exchange (LSE) Par value EGP 10.00 Low EGP 73 Listed CBKD GDR convertibility 1 : 1 Traded OTCQX Int’l Premier
Slide 8: Frameworks and ESG Ratings
FRAMEWORKS AND ESG RATINGS CIB has been engaging and aligning with ESG standards, frameworks, ratings and indices since 2015. The Bank is a founding signatory of the UNEP FI PRB since 2019, the first supporter in Egypt of the TCFD in 2020, and a founding signatory of the NZBA and the commitment to F
Slide 9: Strategy
Vi | MV [IB STRATEGY 03
Slide 10: Strategy
STRATEGY TODAY TOMORROW Financial Performance • Quality loan growth, with focus on increasing product penetration & SoW • Differentiating our lending portfolio towards sectors of the future • Deposit growth, particularly from households clients • Focus on underpenetrated retail banking segments with
Slide 11: ESG Approach and Disclosures
ESG APPROACH 04 AND DISCLOSURES Investor Relations Presentation 1H 2025
Slide 12: Our Approach
OUR APPROACH CIB’s System’s Thinking approach empowered us to realize the connection between the ESG dimensions and our Business Growth We have been focused on sustainability that is material to our financial performance, and that ensures impact and value creation. Our record testifies that sustaina
Slide 13: Our Sustainability Journey
OUR SUSTAINABILITY JOURNEY Introduced the Transition Finance Program Secured USD 60 million from EBRD for green projects and Women in Business CIB Foundation Bank-wide Energy FTSE4Good Founding Signatory of Supporter of the Task Signatory of the UNEPFI Met the Bank’s first ENciency Project Constitue
Slide 14: Value Creation Approach
VALUE CREATION APPROACH Financial Capital Intellectual Capital Allocating financial capital to solidify market Enhancing and developing progressive presence, expanding into new regions to drive programs, processes, and digital systems to growth. deliver robust and diverse solutions in a simpler, saf
Slide 15: Transparency and Disclosures
TRANSPARENCY AND DISCLOSURES CIB has been committed to disclosing its ESG activities through publishing several sustainability reports and disclosures. The integrated ESG Data & Digitization (ESGDD) report is inclusive of CIB sustainability frameworks and standards, covering GRI, SASB, TCFD, NZBA, P
Slide 16: ESG Institutional Pillars
ESG INSTITUTIONAL 04 PILLARS Investor Relations Presentation 1H 2025
Slide 17: The Way Forward: ESG Integration
THE WAY FORWARD: ESG INTEGERATION PILLAR 01 PILLAR 04 CIB has established key institutional pillars that SUSTAINABILITY SUSTAINABILITY GOVERNANCE MANAGEMENT drive sustainability and business performance SYSTEM across all its operations. The Pillars have CIB inspired the Sustainable Finance Policy an
Slide 18: ESG Institutional Pillars: Sustainability Governance
ESG INSTITUTIONAL PILLARS Board Sustainability Committee: Provides oversight and direction in ESG matters and regulatory mandates, including new trends such as transition finance, climate resilience and ESG data governance. Sustainable Finance Steering Committee: Directs and follows up on execut
Slide 19: ESG Institutional Pillars: Policy and Frameworks
ESG INSTITUTIONAL PILLARS The Sustainable Finance Policy: Asserts CIB’s commitment to integrating sustainability, embodying Environmental, Social, and Governance (ESG) dimensions across the Bank’s policies, procedures, operations, and culture to sustain value creation in the short, medium & long t
Slide 20: ESG Institutional Pillars: E&S Management System
ESG INSTITUTIONAL PILLARS CIB’s ESRM System: CIB has established a robust Environmental and Social Risk Management (ESRMS) covering all departments' functions E&S and Sustainability Sustainable Finance Policy: A comprehensive and progressive policy document issued in Management System January 20
Slide 21: ESG Institutional Pillars: Sustainable Finance Strategy
ESG INSTITUTIONAL PILLARS Value Preservation: Managing ESG Risks including Climate Risk to enhance resilience Value Creation: Ensuring access to capital by meeting DFIs' ESG due diligence requirements, qualifying for FCY funding and technical assistance by the IFC, EBRD and PROPARCO targeting clim
Slide 22: ESG Institutional Pillars
ESG INSTITUTIONAL PILLARS CIB’ SUSTAINABLE FINANCE STRATEGY LEVERAGES THE ESG DIMENSIONS TO ACHIEVE VALUE PRESERVATION, CREATION AND ACCELERATION IN THE SHORT, MEDIUM AND LONG TERM Championing Sustainable Finance Innovation to Trend-Setting & Sustain Growth Sustainable Finance Future Proofing Establ
Slide 23: ESG Institutional Pillars: Advocacy and Stakeholder Engagement
ESG INSTITUTIONAL PILLARS Internal Staff Engagement: Sustainability Strategic Network (SSN) activities: CIB has provided focused sustainability capacity building to the SSN group, comprised of selected representatives from lines of business and support functions, to act as drivers for the system tra
Slide 24: External Stakeholders Engagement
External Stakeholders Engagement: CIB works to ensure engaging stakeholders within its sustainability ecosystem to unleash synergies and advocate for sustainable finance on the local and regional spheres across various sectors, ranging from education to access to capital and technical assistance Glo
Slide 25: ESG Institutional Pillars: Sustainable Finance Innovation
ESG INSTITUTIONAL PILLARS ESG Data Digitization Platform Ecological Footprint: CIB is developing an Ecological Footprint (EFP) module for the Sustainable Finance bank’s own operations. Innovation The Sustainable Innovation Pillar E&S Green Portfolio Reporting and Monitoring: Developing an automated
Slide 26: Diversity and Inclusion
DIVERSITY 05 AND INCLUSION Investor Relations Presentation 1H 2025
Slide 27: Financial Inclusion
FINANCIAL INCLUSION Expanding acquisition channels at optimum cost New segmentation strategy Investor Relations Presentation 1H 2025
Slide 28: Financial Inclusion
FINANCIAL INCLUSION Expanding acquisition channels at optimum cost New segmentation strategy Investor Relations Presentation 1H 2025
Slide 29: Diversity and Inclusion
DIVERSITY AND INCLUSION CIB has pioneered several internal and external initiatives related to women empowerment and diversity and inclusion Expanding acquisition channels at optimum cost New segmentation strategy Investor Relations Presentation 1H 2025
Slide 30: Employee Engagement
EMPLOYEE ENGAGEMENT CIB has a robust engagement strategy that supports the improvement of culture, and enriches productivity while providing sustainable performance Expanding acquisition channels at optimum cost ESG Capacity Building New segmentation strategy Investor Relations Presentation 1H 2025
Slide 31: Community Development
COMMUNITY 05 DEVELOPMENT Investor Relations Presentation 1H 2025
Slide 32: CIB Foundation
CIB FOUNDATION In 2010, CIB shareholders voted to establish the CIB Foundation and permanently endow it with 1.5% of the Bank’s annual profits. The Foundation has built strategic partnerships with healthcare providers from the governmental, private, and non-governmental sectors to maximize its impac
Slide 33: Corporate Governance
CORPORATE 06 GOVERNANCE Investor Relations Presentation 1H 2025
Slide 34: Corporate Governance
CORPORATE GOVERNANCE The Board carries on with its mandate to continuously improve the overall corporate governance framework Commitment to sound corporate governance practices continues to define CIB by regularly reviewing and supervising the Bank’s practices • Internal policies, risk controls, and
Slide 35: Corporate Governance
CORPORATE GOVERNANCE CIB’s Board consists of 11members; Audit Committee 8 are non-executive, 5 are independent and 2 representing the interests of Alpha Oryx Ltd* Nevine Hisham Ezz Sherif Samy Fadhel Al Ali Aziz Moolji Georgios Sabbour Al-Arab Independent, Non- Anagnostopoulos Board Member Board Mem
Slide 36: Awards
AWARDS 07 Investor Relations Presentation 1H 2025
Slide 37: Awards
AWARDS Global Finance MEED EMEA Finance Best securitisation house in Africa Best FX bank in Egypt 2025 Best SME Bank – Egypt 2025 Best Private Bank award winner Excellence in Supply Chain Financing Best SME Bank Award 2025 Best Bank – Egypt Best Trade Finance Award for 2025 Best ESG
Slide 38: Investor Relations contacts
• For more information, please visit our website; www.cibeg.com Investor Relations contacts: Headquarters: Email: Hotline: Nile Tower Building CIB.InvestorRelations@cibeg.com 19666 21/23 Charles De Gaulle St., Giza P.O Box 2430 Cairo-Egypt Investor Relations Presentation 1H 2025
Slide 39: Thank You
Thank You
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