Commercial International Bank - Egypt (cib) S.a.e. · EGX:COMI
Commercial International Bank - Egypt (cib) S.a.e — Commercial International Bank (CIB) — FY2012 Earnings Presentation
30 slides from Commercial International Bank - Egypt (cib) S.a.e's earnings presentation, February 2013
Slide 1: Commercial International Bank IR presentation Year End 2012
Commercial International Bank IR presentation Year End 2012
Slide 2: Disclaimer
Disclaimer This document is the property of CIB and it may contain confidential information solely for use as an investor presentation. It must be treated confidentially by attendees at such presentation and should not be reproduced, redistributed or passed to any other person. The information conta
Slide 3: Agenda
Agenda Macro-Environment About CIB CIB Financial Highlights Consumer Banking Snapshot CIB Strategy Summary and Conclusion
Slide 4: Macro-Environment
Macro-Environment
Slide 5: Egypt Fact Sheet
Egypt Fact Sheet -Population: 87.1mn* -Median age: 24 -Growth: 3.1% over 2010 Favorable -Private consumption/GDP: 71.7% -Public consumption/GDP: 11.9% Demographics -Labor force/population: 27.9%* -Unemployment rate:12%* Attractive Growth -Nominal GDP: EGP 381,246bn2 -Historical GDP growth: 5.31% (20
Slide 6: Macroeconomics Snapshot
Macroeconomics Snapshot GDP Growth Inflation 8% 7.1% 7.2% 20% 18.3% 6% 5.1% 16% 13.5% 4.7% 12% 10.3% 4% 9.6% 6.9% 2.2% 8% 1.9% 4.7% 2% 4% 0% 0% 06/07 07/08 08/09 09/10 10/11 11/12 2007 2008 2009 2010 2011 2012 *GDP at Factor Cost (Constant prices 2006/2007) **FY 11/12 based on preliminary figures 15
Slide 7: Egyptian Banking Sector Snapshot
Egyptian Banking Sector Snapshot 67% 61% 60% 59% 58% 53% 52% 52% 49% 50% 965 1035 900 756 820 658 497 543 571 438 293 304 318 344 382 399 427 464 471 502 02/03 03/04 04/05 05/06 06/07 07/08 08/09 09/10 10/11 Aug-12 Total deposits (EGP bn) Total loans (EGP bn) loans to deposits ratio December 03/04 0
Slide 8: About CIB
About CIB
Slide 9: Strategic Milestones
Strategic Milestones Chase Divestiture : First GDR Ripplewood led Strategic Subsidiaries US$ 120M consortium divested half Renamed CIB established to complement 22.2% of share capital of its holdings our core business in CIB to Actis 1975 1987 1993 1994 1995 1996 1997 1998 2006 2009 Consortium led b
Slide 10: General Information
General Information CIB’s Stock is listed in the Egyptian Stock Exchange, London Stock Exchange and traded in New York Stock Exchange Shareholding Structure Share Information Actis Shares outstanding 597,227,541 9.14% Par value EGP 10.00 GDR Ratio 1:1 Last 52 weeks Hi 39.6 Free Last 52 weeks Lo 21.1
Slide 11: CI Group Structure
CI Group Structure CAPITAL 4 | MiBene ere
Slide 12: CIB's Distribution Network
CIB’s Distribution Network 12
Slide 13: CIB's Business Segments
CIB’s Business Segments Business Institutional Consumer CI Capital Segments Banking Banking Description • Market leader in Egypt • The take-off for a • Full-fledged world class • The prime Investment consumer banking contributor to Banking arm franchise profitability Focus on • Multinationals and Eg
Slide 14: Corporate Governance
Corporate Governance Commitment to Corporate Importance of Corporate Governance Governance Corporate governance is an issue that rates high It has been demonstrated over and on our list of priorities over that effective corporate CIB’s commitment to maintaining the highest governance in banks standa
Slide 15: Commitment to Corporate Governance, CIB's Board of Directors
Commitment to Corporate Governance CIB’s Board of Directors We take pride in our strong CIB was the first Egyptian corporation to establish corporate governance structures an Audit Committee in 1998 which include The Board and its committees are governed by Experienced team of well-defined charters
Slide 16: CIB's Top Management
CIB’sTop CIB’s TopManagement Management 16 16
Slide 17: Awards and Recognition
Mo, emeatinance {= %) Awards and Recognition Best Bank in Egypt for the last 16 years Best Foreign Exchange Ban| for the last 10 years in Egypt - 2013 BEST SUB-CUSTODIAN Bank in Egypt for the 4" consecutive year Best Trade Finance Bank in Egypt - 2013, for the last 7 years Best Provider of Money Mar
Slide 18: CIB Financial Highlights
CIB Financial Highlights
Slide 19: Performance Snapshot: YTD September 2012
Performance Snapshot: YTD September2012 Total Assets Net Loans Customer Deposits Shareholders’ Equity EGP 94,014mn EGP 41,877mn EGP 78, 729mn EGP 10,822mn Year End 2011 : EGP85,506mn; Year End 2011 : EGP41,065mn; Year End 2011 :EGP71,468mm; Year End 2011 : EGP 8,712mm; +10.0% +2.0% +10.2% +24.2% Rev
Slide 20: Historical Performance
Historical Performance 56% 56% 57% 56.3% 55% 56% 2.90% 3.08% 2.87% 2.89% 54% 2.50 2.37% 52% 50% 1.94% 2.09% 2.01% 94,104 78.7 75,425 85,534 63.4 71.5 47,906 57,462 64,255 48.9 54.8 39.5 27,977 30,389 37,553 24.0 14.024.9 17.531.6 20.5 26.3 27.4 35.2 41.1 41.8 13.4 2004 2005 2006 2007 2008 2009 2010
Slide 21: CIB Vs. Peers
CIB Vs. Peers 40% 35.09% ROAE 3% 2.84% ROAA Gross Loans to Deposits 80% 72.86% 2.48% 2.46% 68.41% 65.46% 61.70% 30% 55.15% 23.46% 1.95% 1.92% 60% 22.36% 2% 1.77% 45.56% 18.41% 18.27% 17.57% 20% 40% 1% 10% 20% 0% 0% 0% HSBC CAE CIB NSGB AAIB Alex HSBC NSGB CIB AAIB CAE Alex NSGB Alex AAIB CAE CIB HSB
Slide 22: CIB Market Shares Trends
CIB Market Shares Trends Total Loans Total Deposits • CIB’s Loans Market share recorded 8.45% & Deposits Market share stood at 7.29% as of November2012 • N.B: CIB’s loans market share from performing loans is significantly higher • All figures are on a standalone basis 22
Slide 23: Consumer Banking Snapshot
Consumer Banking Snapshot
Slide 24: Consumer Banking Assets Portfolio Growth
Consumer Banking Assets Portfolio Growth Assets Assets Mix In Million 24
Slide 25: CIB Strategy
CIB Strategy
Slide 26: CIB's Future Growth Opportunities
CIB’s Future Growth Opportunities Here is where we stand today … But this is where we will be tomorrow Quality portfolio Product penetration and increase share of Product-centric wallet without risking quality Developed initiatives to instill client Customer-centric solutions focused culture • Offer
Slide 27: Summary and Conclusion
Summary and Conclusion
Slide 28: Why CIB?
Why CIB? CIB is the leading financial institution in Egypt, has been Profitability Asset Quality a key player in the market for more than 30 years • Market leader • NPL/Gross loans 3.6% • NPAT EGP 2.26bn • Coverage Ratio 120% Strongest brand equity in the • Total revenues 5.34bn Egyptian corporate b
Slide 29: Conclusion
Conclusion • Egypt has been a hot spot for investments, given its favorable demographics (1/3 of the population is under 15 years), its diversified economy and implementation of economic reforms that enhanced accessibility • With the revolution of 25th January 2011, we at CIB feel that the future of
Slide 30: Thank you
Investor Relations contacts: Sherif Khalil Head of IR Sherif.khalil@cibeg.com Yasmine Hemeda IR Analyst Yasmine.Hemeda@cibeg.com Thank you For more information, please visit www.cibeg.com To read about the projects that the CIB Foundation has helped support and ways in which you can donate, please v
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