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. — Q1 2026 Earnings Presentation
43 slides from Commercial International Bank - Egypt (cib) S.a.e's earnings presentation, 2026
Slide 1: Investor Relations Presentation 1Q 2026
Investor Relations Presentation 1Q 2026
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: Table of Contents
Table of Contents 01 CIB INVESTMENT CASE 05 AWARDS 02 CIB AT A GLANCE 06 OPERATING ENVIRONMENT 03 FINANCIAL PERFORMANCE 07 COMI INVESTMENT HIGHLIGHTS 04 ESG
Slide 4: CIB Investment Case
\\ CIB INVESTMENT CASE 01
Slide 5: CIB Investment Case
CIB INVESTMENT CASE A market leader with unmatched scale, profitability and growth potential Dynamic Growth Strategy Prudent risk management CIB’s disciplined risk framework safeguards asset quality and capital strength, supported Building the bank of tomorrow through expansion of the customer base,
Slide 6: Strategic Direction
STRATEGIC DIRECTION Executing today while building tomorrow’s future-ready Bank By 2030, we aim to strengthen our core business, diversify thoughtfully, lead the market in digital and mobile first experiences, and invest in talent and cutting-edge technology. Our strategy is designed to seize the op
Slide 7: CIB at a Glance
Vi | AY EIB QO IBATA LANCE
Slide 8: CIB at a Glance
CIB AT A GLANCE . Egypt’s largest private sector bank trusted by more than +2 5mn clients Business Segments CIB surpassed 1tr in both assets and Key Facts liabilities CorporateandInstitutionalBanking TotalAssets CIB is Egypt’s leading corporate bank, serving a diverse range of clients from industry
Slide 9: Corporate Banking
CORPORATE BANKING Leading Provider of Private Corporate Banking Services in the Egyptian Banking Sector CORPORATE LOANS MARKET CORPORATE DEPOSITS CORPORATE LOANS GROWTH SHARE* MARKET SHARE* BY SECTOR ** 11.3% 2.0% 1.7% 1.6% 1.6% 2.1% 10.1% 2.3% 3.2% 3.4% 4.2% 41.6% 7.11% 6.99% 5.2% 5.4% 5.74% 5.78%
Slide 10: Retail Banking
RETAIL BANKING CIB is Egypt’s digital banking leader - driving growth and efficiency Total Retail Deposits* Total New To Bank Customers* Total Retail Gross Contribution* 838.8Bn vs 760.7Bn +10.3% 100,241 vs 79,426 +26% 6.6Bn vs 4.26Bn +55.8% FCY Consumer CMB & BB LCY 95,858 vs 75,390 4,383 vs 4,036
Slide 11: Empowering SMEs
EMPOWERING SMEs Fueling growth and driving innovation SME Assets SME Liabilities SME Revenues 121,975,966 3,405,586 20,477,119 2,718,925 15,573,027 89,580,205 Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025 Q1 2026 SME Gross Contribution SME CASA 113,607,424 2,175,782 82,217,749 1,574,509 93% of 93% of 93%
Slide 12: Empowering SMEs: CIB Business Banking in Q1 2026
EMPOWERING SMEs Fueling growth and driving innovation +300 CIB Business Banking In Q1 2026 +95K +680 Business Banking Female Led Experienced Relationship Customer Base Business Borrowers Managers Launched BB Export Bundle Representing 14% of Growing network of SMEs benefiting from tailored approved
Slide 13: Risk Management
RISK MANAGEMENT Prudent risk management safeguarding long-term value RISK APPETITE Risk Governance – Three Lines Model Risk Appetite is an integral component of CIB’s ERM framework as a governance and Boardof Directors monitoring tool in evaluating the Bank’s risks. It covers all material risks (fin
Slide 14: Embracing Digital
EMBRACING DIGITAL Smarter banking and seamless experience External Transfer +10.4% CD Booking -0.8% Internal Transfer Migration +1.3% Migration Migration 2025 2026 2025 2026 2025 2026 96.1% 97.4% 76.31% 86.68% 90.51% 89.66% New To Bank Digital +10.4% E-statement Subscriber Digital lead contribution
Slide 15: Financial Performance
FINANCIAL PERFORMANCE 03
Slide 16: Key Growth Drivers
KEY GROWTH DRIVERS CIB’s agility and responsiveness results in impressive KPIs 1 HIGHEST TOTALASSETS IN EGYPT’S PRIVATE BANKS CUSTOMER DRIVENASSET GROWTH EGP 1.57tn (+9% Ytd) 2 STRATEGICALLY MANAGED FUNDING STRUCTURE NO WHOLE SALE FUNDING LOW COST OF FUNDS CASA 62% STRINGENT CREDIT CULTURE 3 SOLIDAS
Slide 17: Revenue Growth in USD Terms
REVENUE GROWTH IN USD TERMS USD growth highlighting true resilience REPORTED TOP LINE REPORTED BOTTOM LINE 31,227 27,039 ↑15% EGP million EGP million 16,632 17,822 ↑7% 1Q25 1Q26 1Q25 1Q26 TOP LINE IN USD TERMS BOTTOM LINE IN USD TERMS 572 535 ↑7% USD million USD million 329 326 ↓1% 1Q25 1Q26 1Q25 1Q
Slide 18: Resilient Balance Sheet Management
RESILIENT BALANCE SHEET MANAGEMENT Efficient Balance Sheet structure optimizing returns Net Interest Margin Net Interest Spread Asset Yield Cost of Funds (Managerial Standalone) (Managerial Standalone) (Managerial Standalone) (Managerial Standalone) 1Q26 8.88% 1Q26 7.62% 1Q26 15.7% 1Q26 8.06% 1Q25 9
Slide 19: Income Statement Highlights
INCOME STATEMENT HIGHLIGHTS Continued growth trajectory in top and bottom line, resulting in maximizing value to shareholders 1,673 1,222 NET INCOME MOVEMENT 4,304 EGP million 104 16,633 17,823 1Q25 Net Income Income & Deferred Tax Non-Interest Expense Impairment Charge for Non-Interest Income Net I
Slide 20: Loans and Advances
LOANS AND ADVANCES Driving value through sustainable loan growth TOTAL LOANS COMPOSITION CORPORATE LOANS COMPOSITION INDIVIDUAL LOANS COMPOSITION Other Corporate Loans, Overdraft, 3.02% Syndicated Corporate 0.35% Loans, 17.05% Overdraft, Mortgage loans, 23.40% 8.76% Individual/ Gross Credit card, Lo
Slide 21: Customers' Deposits
CUSTOMERS’ DEPOSITS Stable funding fueled by low cost deposit growth DEPOSITS COMPOSITION DEPOSIT BREAKDOWN BY PRODUCT DEPOSIT BREAKDOWN BY TENOR Other Deposits, 0.8% Saving Corporate, Deposits, 40.6% 19.5% Demand Long-term, deposits, 39% 41.2% Certificates CASA, 61% of Deposit, 22.8% Individual, 59
Slide 22: Cost Efficiency
COST EFFICIENCY Optimization at scale: maximizing value, minimizing cost NON- INTEREST EXPENSE HEADCOUNT 6,000 8,800 8,586 8,600 5,000 5,155 8,313 8,400 4,000 3,932 8,200 8,052 3,000 2,928 8,000 7,735 7,800 2,000 2,063 7,600 1,000 7,400 0 7,200 1Q23 1Q24 1Q25 1Q26 1Q23 1Q24 1Q25 1Q26 COST EFFICIENCY
Slide 23: Provisions and Coverage
PROVISIONS AND COVERAGE Robust coverage protecting asset quality NPL RATIO NPL COVERAGE RATIO 6.00% 400% 5.26% 350% 344% 5.00% 4.35% 337% 300% 4.00% 307% 250% 233% 3.00% 3.14% 200% 150% 2.00% 1.73% 100% 1.00% 50% 0.00% 0% 1Q23 1Q24 1Q25 1Q26 1Q23 1Q24 1Q25 1Q26 TOTAL PROVISIONS* -405 -509 EGP millio
Slide 24: Capital and Liquidity
CAPITAL AND LIQUIDITY Strong capital and ample liquidity underpinning growth RISK WEIGHTED ASSETS (EGP BN) CAPITAL BASE 1,000 810 900 748 890 672 755 736 800 700 485 553 600 500 427 542 400 382 300 200 100 - Jan-24 Jan-25 Jan-26 Mar-24 Mar-25 Mar-26 May-24 May-25 Sep-25 Sep-23 Dec-23 Feb-24 Sep-24 D
Slide 25: Position Among Peers (FY2025)
POSITION AMONG PEERS (FY2025) Best-in-class returns with strong capital buffers Loan Market Share** Deposit Market Share** Total Assets Net Income 1,436 EGP Billions 7.0% EGP Billions 5.5% 916 954 4.5% 4.9% 4.3% 81.8 2.6% 484 1.8% 2.1% 352 1.7% 242 29.1 0.8% 1.2% 146 17.3 16.7 20.5 0.6% 0.6% 0.7% 6.
Slide 26: ESG
ESG 04
Slide 27: Corporate Governance
CORPORATE GOVERNANCE Sound governance ensuring long term sustainability Commitment to sound corporate governance practices continues to define CIB The Board carries on with its mandate to continuously improve the overall corporate governance framework by regularly reviewing and supervising the Bank’
Slide 28: Corporate Governance: Board Directors
CORPORATE GOVERNANCE Governance excellence with diversified board expertise CIB’s Board consists of 11 members; Audit 8 are non-executive, 5 are independent and 2 representing the interests of Alpha Oryx Ltd* Committee Nevine Hisham Ezz Al- Fadhel Al Ali Aziz Moolji Hoda Mansour Jawaid Mirza Sabbour
Slide 29: ESG Governance
ESG GOVERNANCE Strong ESG oversight, driving sustainable value The integration of sustainability into CIB’s core operation starts at the highest level with signoff from the bank’s Board of Directors who are committed to advancing the bank’s governance structures to ensure the integration of ESG into
Slide 30: Environmental, Social and Climate Risk
ENVIRONMENTAL, SOCIAL AND CLIMATE RISK Integrating E and S considerations into risk management CIB has had a robust Environmental and Social Risk Management System (ESRM) in place since 2016, which positions the Bank as the leader in sustainable finance in the Egyptian market and provides clients wi
Slide 31: Our Sustainability Journey
OUR SUSTAINABILITY JOURNEY Egypt’s no.1 sustainable finance bank – pioneering ESG integration 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 the Supporter of the Task
Slide 32: Awards
= —\\ AWARDS 05 sy | EIB
Slide 33: Awards
AWARDS Global Finance Athar Award EMEAFinance Best securitisation house in Africa ▪ Best Private Bank in Egypt ▪ Best Bank in Egypt ▪ Best Practices in Sustainability and CSR ▪ Best SME Bank in Egypt ▪ Top Financial Innovations inAfrica ▪ Egypt's Best Trade Finance Providers ▪ Best Bank for Sustaina
Slide 34: Operating Environment
OPERATING ENVIRONMENT 06
Slide 35: Macroeconomic Environment
MACROECONOMIC ENVIRONMENT Egypt: reforms, resilience and more room to bank the unbanked FDIs Remittances Tourism Revenue Suez Canal Receipts (USD bn) 16,725 46,065 40,000 36,460 13,629 8.76 35,000 27,758 31,425 6.99 31,924 14,376 5.91 30,000 6.63 12,571 25,000 10,748 25,151 21,938 9,859 20,000 22,07
Slide 36: Macroeconomic Environment: A Well Diversified Economy
MACROECONOMIC ENVIRONMENT A Well Diversified Economy Economic Activity Contribution to GDP Key Sector Growth (%) (1Q 2025/2026) (1Q 2025/2026) 6.8% 14.1% 6.2% 4.6% 10.7% 12 14.5 10.2 13.8 3.1% 15.9% 2 3.3 3.9 4.6 3.9% -5.3 1.9% 14.5% 0.5% 6.9% 6.0% 0.5% 0.5% 3.4% Agriculture, Forests & Fishing Extra
Slide 37: Egypt's Banking Sector (FYE25)
EGYPT’S BANKING SECTOR (FYE25) Expanding financial infrastructure creates a massive inclusion opportunity Total Branches Total Debit Cards ('000) Total Credit Cards ('000) 4,787 29,093 4,638 6,968 24,428 4,598 22,960 4,577 20,110 5,249 17,756 4,810 4,451 16,012 4,163 3,573 3,158 4,298 18/19 19/20 20
Slide 38: COMI Investment Highlights
COMI 07 INVESTMENT HIGHLIGHTS
Slide 39: COMI at a Glance
COMI AT A GLANCE Well diversified ownership base and solid credit profile across all agencies STOCK EXCHANGES TICKER SHARE INFORMATION 52 WEEKS PERFORMANCE P/B Listed Egyptian Exchange (EGX) COMI Shares outstanding 3,377,936,100 High EGP 145.01 2.12 Listed London Stock Exchange (LSE) CBKD Par value
Slide 40: Why CIB?
WHY CIB? Delivering consistent performance through sustained growth Leading private-sector bank supported Strong capital, liquidity, and resilient Market Sustainable by diversified funding and proactive asset quality support consistent Leadership Performance asset–liability management, with strong p
Slide 41: Why Egypt?
WHY EGYPT? Unlocking structural growth through reforms, resilience, and financial deepening Growth Improved Momentum Large and External Supported by Underpenetrated Buffers and Private Market Foreign Inflows Investment Fiscal Consolidation Flexible FX Strong Banking Containing RegimeActing Sector Bo
Slide 42: Investor Relations contacts
For more information, please visit our website; www.cibeg.com Investor Relations contacts Headquarters: Email: Hotline: NileTower Building CIB.InvestorRelations@cibeg.com 19666 21/23Charles De GaulleSt., Giza P.OBox 2430 Cairo-Egypt 42
Slide 43: Thank You
Thank You
Commercial International Bank - Egypt (CIB) S.A.E. — Q1 2026 Earnings Presentation on 6ix