Commercial International Bank - Egypt (cib) S.a.e. · EGX:COMI

Commercial International Bank - Egypt (cib) S.a.e — Commercial International Bank - Egypt (CIB) — H1 2025 Earnings Presentation

40 slides from Commercial International Bank - Egypt (cib) S.a.e's earnings presentation, 2025

  1. Slide 1: Investor Relations Presentation 1H 2025

    Investor Relations Presentation 1H 2025

  2. Slide 2: Table of Contents

    Table of Contents 01 About CIB 04 ESG 02 Operating Scene 05 Financial Performance 03 Strategy Investor Relations Presentation 1H 2025

  3. Slide 3: 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’

  4. Slide 4: About CIB

    ABOUT CIB 01 Investor Relations Presentation 1H 2025

  5. Slide 5: CIB at a Glance

    CIB AT 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 is

  6. Slide 6: CIB at a Glance

    CIB AT 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 Inte

  7. 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

  8. Slide 8: Operating Environment

    OPERATING ENVIRONMENT 02 Investor Relations Presentation 1H 2025

  9. Slide 9: Macroeconomic Environment

    MACROECONOMIC ENVIRONMENT Real GDP Growth (%) Inflation (%) 41% 6.2% 34.20% 31.2% 29.00% 5.1% 26.64% 24.5% 23.20% 22.60% 3.9% 3.6% 14.6% 9.40% 11.40% 2.5% 2.4% 6.3% 36% 33.70% 2.0% 29.80% 27.51% 25.8% 24.10% 24.00% 21.3% 13.2% 13.62% 14.90% 7.3% Jan-22 Jun-22 Dec-22 Jan-23 Jun-23 Dec-23 Jan-24 Jun-2

  10. Slide 10: Macroeconomic Environment

    MACROECONOMIC ENVIRONMENT Economic Activity Contribution to GDP Key Sector Growth (%) (Q1 2024/2025) (Q1 2024/2025) 6.8% 12.4% 6.4% 5.2% 10.5% 3.0% 15.5% 9.8 12.6 13.2 3.8% 11.2 9.7 1.8% 0.6% 5 4.1 15.9% 7.8% 2.2 5.7% 0.5% 0.4% 3.2% -9 Agriculture, Forests & Fishing Extractions Manufacturing Industr

  11. Slide 11: Egypt's Banking Sector

    EGYPT’S BANKING SECTOR Total Branches Total ATMs 24,862 4775 4,638 22,708 21,459 4,577 4,598 4,451 16,962 14,152 12,656 4,298 18/19 19/20 20/21 21/22 22/23 Dec-24 18/19 19/20 20/21 21/22 22/23 Dec-24 Total Debit Cards ('000) Total Credit Cards ('000) Total POS 227,978 215,923 188,429 173,401 26,231

  12. Slide 12: Egypt's Banking Sector

    EGYPT’S BANKING SECTOR Total Loans Total Deposits EGP billion EGP billion 8,786 14,151 13,600 8,310 9,473 4,718 7,370 5,751 3,490 4,701 2,856 4,007 2,180 1,840 18/19 19/20 20/21 21/22 22/23 23/24 24/25 18/19 19/20 20/21 21/22 22/23 23/24 24/25 LDR 61% 62% 50% 47% 50% 46% 46% 18/19 19/20 20/21 21/22

  13. Slide 13: Strategy

    STRATEGY 03 Investor Relations Presentation 1H 2025

  14. Slide 14: Strategy: Today and Tomorrow

    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

  15. Slide 15: ESG

    ESG 04 Investor Relations Presentation 1H 2025

  16. Slide 16: 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

  17. Slide 17: Our Approach

    OUR APPROACH INTERNATIONAL STANDARDS AND GUIDELINES PILLAR 01 PILLAR 04 SUSTAINABILITY SUSTAINABILITY GOVERNANCE MANAGEMENT SYSTEM CIB PILLAR 02 SUSTAINABLE PILLAR 05 SUSTAINABLE FINANCE & POLICY FINANCE SUSTAINABILITY COMMUNICATION FRAMEWORKS ARCHITECTURE INSTITUTIONAL & EDUCATION PILLARS PILLAR 03

  18. Slide 18: ESG Governance

    ESG GOVERNANCE 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 the bank’s policies and culture Board of Board

  19. Slide 19: Climate Change Governance

    CLIMATE CHANGE GOVERNANCE Board Board Oversight Board of Directors Oversight Board Board Board Sustainability Audit Committee Risk Committee Committee Chief Executive ONcer and Managing Director Executive Management Executive Management Oversight Sustainable Finance Oversight Steering Committee Memb

  20. Slide 20: Environmental, Social and Climate Risk

    ENVIRONMENTAL, SOCIAL AND CLIMATE RISK 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 with the necessary tools and products to aid their transit

  21. Slide 21: 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

  22. Slide 22: Corporate Governance

    CORPORATE GOVERNANCE CIB’s Board consists of 11members; Audit 8 are non-executive, 5 are independent and 2 representing the interests of Alpha Oryx Ltd* Committee Nevine Hisham Ezz Sherif Samy Fadhel Al Ali Aziz Moolji Georgios Sabbour Al-Arab Anagnostopoulos Independent, Non- Board Member Board Mem

  23. Slide 23: Risk Management

    RISK MANAGEMENT 05 Investor Relations Presentation 1H 2025

  24. Slide 24: Risk Management

    RISK MANAGEMENT RISK APPETITE Risk Appetite is an integral component of CIB’s ERM framework as a governance Risk Governance – Three Lines Model and monitoring tool in evaluating the Bank’s risks. It covers all material risks (financial and non-financial) including its policies, processes, controls,

  25. Slide 25: Financial Performance

    FINANCIAL PERFORMANCE 06 Investor Relations Presentation 1H 2025

  26. Slide 26: Income Statement Highlights

    INCOME STATEMENT HIGHLIGHTS 2,058 NET INCOME MOVEMENT TOP LINE PROGRESS 2,117 9,798 54,870 EGP million 46,253 EGP million 33,346 25,476 27,547 14,670 (1,357) 1H24 Net Income Income & Deferred Non-Interest Impairment Charge Non-Interest Net Interest Income 1H25 Net Income 1H2022 1H2023 1H2024 1H2025

  27. Slide 27: Loans and Advances

    LOANS AND ADVANCES LOANS JUN-25 LOANS COMPOSITION 500,000 Individual/ Gross Loans, 400,000 19.64% EGP 85bn 300,000 384,677 330,979 312,887 278,251 261,871 248,747 200,000 205,863 EGP 385bn 197,995 198,784 190,941 100,000 79,496 80,877 85,011 69,064 74,881 65,227 60,065 56,522 53,072 52,961 - Corpora

  28. Slide 28: Loans and Advances

    LOANS AND ADVANCES INDIVIDUAL LOAN PRODUCTS CORPORATE LOAN PRODUCTS Mortgage loans, Personal Loans, 8.1% Retail Overdraft, 3.7% Syndicated 69.3% Loans, 21% Corporate Overdraft, 29% Credit card, 18.9% Corporate Direct Loans, 50% Investor Relations Presentation 1H 2025

  29. Slide 29: Customers' Deposits

    CUSTOMERS’ DEPOSITS DEPOSITS JUN-25 DEPOSITS COMPOSITION 448 426 432 386 369 349 Corporate, 43% 305 306 306 284 EGP billion EGP 448bn 574 597 511 540 444 489 351 360 369 EGP 597bn 290 Individual, 57% Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Individual Corporate DEPOSITS

  30. Slide 30: Customers' Deposits

    CUSTOMERS’ DEPOSITS JUN-25 DEPOSITS BREAKDOWN BY PRODUCT JUN-25 DEPOSITS BREAKDOWN BY TENOR Saving Deposits, Other Deposits, 1% 18% Long-term, 41% Demand deposits, 40% Certificates of CASA, 59% Deposit, 23% Time Deposits, 18% Investor Relations Presentation 1H 2025

  31. Slide 31: Non-Interest Income

    NET INTEREST INCOME/ NON-INTEREST INCOME NON-INTEREST INCOME NET INTEREST INCOME 5000 4,716 120,000 105,161 4500 100,000 81,692 4000 80,000 3,535 3500 60,000 45,115 3000 40,000 24,313 2500 20,000 2000 1,583 0 1H2022 1H2023 1H2024 1H2025 1500 -20,000 (10,584) 941 1000 (21,221) -40,000 500 (40,155) (5

  32. Slide 32: Cost Efficiency

    COST EFFICIENCY NON-INTEREST EXPENSES HEADCOUNT 8600 9,000 8,403 8,000 7,916 8400 8106 7,000 5,799 8200 6,000 8000 4,297 5,000 7,725 7800 4,000 3,270 7494 7600 3,000 7400 2,000 1,000 7200 0 7000 1H2022 1H2023 1H2024 1H2025 1H2022 1H2023 1H2024 1H2025 COST EFFICIENCY 0.0% 54,870 -5.0% 46,253 -12.5% -

  33. Slide 33: Provisions and Coverage

    PROVISIONS AND COVERAGE NPL Ratio NPL COVERAGE RATIO 6.0% 400% 4.8% 5.1% 338% 350% 5.0% 300% 4.0% 4.1% 314% 250% 236% 3.0% 200% 2.7% 209% 150% 2.0% 100% 1.0% 50% 0.0% 0% 1H2022 1H2023 1H2024 1H2025 1H2022 1H2023 1H2024 1H2025 IMPAIRMENT CHARGES 19,940 14,986 EGP million 9,390 5,356 2,239 1,213 695 7

  34. Slide 34: Capital and Liquidity

    CAPITAL AND LIQUIDITY RISK WEIGHTED ASSETS CAPITAL BASE 755 800 672 736 35 27 700 250 542 553 27 25 6 600 382 485 200 439 24 500 427 150 400 174 300 100 155 136 135 117 98 200 50 100 - - Tier I Capital Tier II Capital CAPITAL ADEQUACY RATIO 35.0% 29.1% 30.0% 26.8% 25.2% 26.2% 24.1% 28.4% 25.0% 20.0%

  35. Slide 35: Position Among Peers (1Q2025)

    POSITION AMONG PEERS (1Q2025) ROAE Cost to Income 53.9% 50.8% 27.1% 43.0% 24.9% 37.5% 20.9% 20.1% 31.2% 16.6% 9.7% 24.9% 16.0% 14.1% AAIB FAB QNB CAE CIB HSBC ALEX AAIB CAE HSBC ALEX FAB QNB CIB Gross Loans to Deposits* Capital Adequacy 32.5% 30.8% 26.8% 27.4% 22.9% 19.7% 21.1% HSBC AAIB ALEX CIB* Q

  36. Slide 36: Position Among Peers (Continued)

    POSITION AMONG PEERS (Continued) Loan Market Share* Deposit Market Share* 7.1% 4.8% 4.4% 4.9% 5.0% 2.7% 1.8% 1.6% 1.9% 0.7% 0.9% 1.2% 0.7% 0.7% CAE HSBC ALEX FAB AAIB QNB CIB CAE ALEX HSBC FAB AAIB QNB CIB Net Income** Assets** 16.6 1,257 848 893 EGP Billions EGP Billions 7.0 5.9 462 3.2 3.6 3.9 302

  37. Slide 37: CIB's Market Share

    CIB’S MARKET SHARE 7.15% 7.16% 7.12% 7.09% 7.07% 6.94% 6.96% 6.97% 6.96% 6.87% 6.88% 6.90% 6.47% 4.77% 4.72% 4.68% 4.65% 4.62% 4.66% 4.67% 4.61% 4.59% 4.60% 4.61% 4.54% 4.53% Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Total Loans Total Deposits Investo

  38. Slide 38: 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

  39. Slide 39: 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

  40. Slide 40: Thank You

    Thank You

Commercial International Bank - Egypt (CIB) — H1 2025 Earnings Presentation on 6ix