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. — Q3 2025 Earnings Presentation
42 slides from Commercial International Bank - Egypt (cib) S.a.e's earnings presentation, 2025
Slide 1: Investor Relations Presentation 3Q25
Investor Relations Presentation 3Q25
Slide 2: Table of Contents
Table of Contents 01 Operating Environment 04 Financial Performance 02 About CIB 05 Risk Management 03 Strategy Overview 06 ESG Investor Relations Presentation 1H 2025
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’
Slide 4: Operating Environment
OPERATING ENVIRONMENT 01 Investor Relations Presentation 3Q 2025
Slide 5: Macroeconomic Environment
MACROECONOMIC ENVIRONMENT Egypt: reforms, resilience and more room to bank the unbanked Real GDP Growth (%) Inflation (%) 41% 6.2% 34.20% 31.2% 29.00% 5.1% 26.64% 24.5% 23.20% 22.60% 4.2% 3.6% 14.6% 11.40% 11.30% 9.40% 2.5% 2.4% 6.3% 36% 33.70% 2.0% 29.80% 27.51% 25.8% 24.10% 24.00% 21.3% 7.3% 13.2%
Slide 6: Macroeconomic Environment: A Well Diversified Economy
MACROECONOMIC ENVIRONMENT A Well Diversified Economy Economic Activity Contribution to GDP Key Sector Growth (%) (Q3 2024/2025) (Q3 2024/2025) 7.0% 12.0% 6.4% 5.6% 10.6% 3.0% 15.9% 3.9% 1.9% 10.2 16.2 14.9% 7.9% 0.6% 12.4 12.3 5.4% 9 0.5% 4.4 0.4% 3.3% 2.9 4 Agriculture, Forests & Fishing Extraction
Slide 7: Egypt's Banking Sector
EGYPT’S BANKING SECTOR Expanding financial infrastructure creates a massive inclusion opportunity Total Branches Total Debit Cards ('000) Total Credit Cards ('000) 4754 6,699 27,521 4,638 4,598 24,428 4,577 22,960 5,249 20,110 4,810 17,756 4,163 4,451 16,012 3,573 3,158 4,298 18/19 19/20 20/21 21/22
Slide 8: Position Among Peers (1H2025)
POSITION AMONG PEERS (1H2025) Best-in-class returns with strong capital buffers Total Assets Loan Market Share Deposit Market Share 1,315 EGP Billions 5.3% 7.0% 927 4.4% 831 4.5% 4.7% 2.7% 461 1.8% 1.9% 239 300 0.8% 1.3% 1.5% 135 0.6% 0.6% 0.7% CAE HSBC ALEX FAB AAIB QNB CIB CAE ALEX HSBC FAB AAIB Q
Slide 9: About CIB
ABOUT CIB 02 Investor Relations Presentation 3Q 2025
Slide 10: CIB Investment Case
CIB INVESTMENT CASE A market leader with unmatched scale, profitability and growth potential A dynamic long-term strategy A focus on digital transformation CIB’s strategy centers on prudent balance sheet growth and funding CIB’s comprehensive digital suite continued to advance banking in Egypt, with
Slide 11: CIB at a Glance
CIB AT A GLANCE Egypt’s largest private sector bank trusted by more than +2mn clients Business Segments CIB surpassed 1tr in both assets and Key Factors liabilities CorporateandInstitutionalBanking TotalAssets CIB is Egypt’s leading corporate bank, serving a diverse range of clients from industry gi
Slide 12: CIB at a Glance: Ownership and Credit Ratings
CIB AT A GLANCE Well diversified ownership base and solid credit profile across all agencies STOCK EXCHANGES TICKER SHARE INFORMATION 52 WEEKS PERFORMANCE P/B Egyptian Exchange (EGX) 1.6* Listed COMI Shares outstanding 3,070,851,000 High EGP 108.6 London Stock Exchange (LSE) Par value EGP10.00 Low E
Slide 13: Strategy Overview
STRATEGY 03 OVERVIEW Investor Relations Presentation 3Q 2025
Slide 14: 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 15: Embracing Digital
EMBRACING DIGITAL Smarter banking and seamless experience Number of Transfers +61% Internal Transfer Migration +1% 2024 2025 2024 2025 11.7M 18.9M 96.1% 97.4% Monthly Active Users on +14% New To Bank Digital +28% Mobile App registration rate 2024 2025 2024 2025 901.4K 1M 198.8K 254K External Transfe
Slide 16: 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 725.4Bn vs 625.6Bn +16% 281,456 vs 193,829 +45% 16.8Bn vs 13.0Bn FCY Consumer CMB & BB +29% LCY 268,936 vs 183,679 12,520 vs 10,150 4
Slide 17: Empowering SMEs
EMPOWERNG SMEs Fueling growth and driving innovation +89K +300 76.6% Strategic shift from deposits- Business Banking Experienced Relationship of total CIB Payroll led business to balanced Customer Base Managers companies business model with special Growing network of SMEs focus on Asset growth benef
Slide 18: Financial Performance
FINANCIAL PERFORMANCE 06 Investor Relations Presentation 3Q 2025
Slide 19: Key Growth Drivers
KEY GROWTH DRIVERS CIB’s agility and responsiveness results in impressive KPIs 1 HIGHEST TOTAL ASSETS IN EGYPT’S PRIVATE BANKS CUSTOMER DRIVEN ASSET GROWTH EGP 1.35tn (+12% YTD) 2 STRATEGICALLY MANAGED FUNDING STRUCTURE NO WHOLE SALE FUNDING LOW COST OF FUNDS CASA 60% STRINGENT CREDIT CULTURE 3 SOLI
Slide 20: 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) 9M25 8.92% 9M25 7.55% 9M25 17.70% 9M25 10.16% 9M24
Slide 21: Loans and Advances
LOANS AND ADVANCES Driving value through sustainable loan growth TOTAL LOANS COMPOSITION CORPORATE LOANS COMPOSITION INDIVIDUAL LOANS COMPOSITION Other Corporate Mortgage Individual/ Overdraft, 3.5% Loans, 0.4% Corporate loans, 8.3% Gross Loans, Syndicated Overdraft, 18.1% Loans, 26.0% Credit card,
Slide 22: Customers' Deposits
CUSTOMERS’ DEPOSITS Stable funding fueled by low cost deposit growth DEPOSITS COMPOSITION DEPOSIT BREAKDOWN BY PRODUCT DEPOSIT BREAKDOWN BY TENOR Saving Deposits, Other Deposits, 0.7% Corporate, 18.9% 41.2% Demand Long-term, deposits, 40.3% 40.1% Certificates CASA, of Deposit, 59.7% Individual, 58.8
Slide 23: Corporate Banking
CORPORATE BANKING Leading Provider of Private Corporate Banking Services in the Egyptian Banking Sector CORPORATE LOANS MARKET CORPORATE DEPOSITS MARKET CORPORATE LOANS GROWTH SHARE* SHARE* BY SECTOR ** 10.11% 9.87% 1.1% 3.1% 3.4% 3.3% 3.8% 7.11% 5.54% 6.84% 6.0% 37.6% 4.83% 5.78% 4.62% 5.48% 4.28%
Slide 24: Retail Banking
RETAIL BANKING CIB is Egypt’s digital banking leader - driving growth and efficiency HOUSEHOLD DEPOSITS MARKET SHARE RETAIL DEPOSITS BY SEGMENT 1% 7.12% 6.87% 5% 8% 2024-Dec 2025-Sep 9% 34% 15% HOUSEHOLD LOANS MARKET SHARE 6.95% 6.48% 28% 2024-Dec 2025-Sep Wealth Private BB & CMB Plus Overseas Prime
Slide 25: Empowering SMEs
EMPOWERING SMEs Fueling growth and driving innovation SME Assets SME Liabilities SME Revenues 17,803,629 106,278,023 8,930,229 13,152,877 83,229,113 6,857,552 24-Sep 25-Sep 24-Sep 25-Sep 24-Sep 25-Sep SME Gross Contribution SME CASA 6,430,126 97,326,702.69 5,032,829 77,187,157.64 CIB continues to ma
Slide 26: Income Statement Highlights
INCOME STATEMENT HIGHLIGHTS Continued growth trajectory in top and bottom line, resulting in maximizing value to shareholders 4,916 Net Income Movement 12,971 Top Line Progress EGP million 3,252 83,684 71,966 EGP million 62,101 42,348 (16,203) 39,325 (1,253) 23,122 9M24 Net Income & Non-Interest Imp
Slide 27: Cost Efficiency
COST EFFICIENCY Optimization at scale: maximizing value, minimizing cost Non-interest Expenses Headcount 14,000 8800 8,532 8600 12,000 12,433 8400 8195 10,000 8200 9,181 8,000 8000 7,791 6,502 7800 6,000 7560 5,142 7600 4,000 7400 2,000 7200 0 7000 9M2022 9M2023 9M2024 9M2025 9M2022 9M2023 9M2024 9M
Slide 28: Provisions and Coverage
PROVISIONS AND COVERAGE Robust coverage protecting asset quality NPL Ratio NPL COVERAGE RATIO 6.0% 350% 5.0% 289% 5.0% 4.6% 300% 281% 233% 4.4% 250% 216% 4.0% 200% 3.0% 2.5% 150% 2.0% 100% 1.0% 50% 0.0% 0% 9M2022 9M2023 9M2024 9M2025 9M2022 9M2023 9M2024 9M2025 Investor Relations Presentation 3Q 202
Slide 29: Capital and Liquidity
CAPITAL AND LIQUIDITY Strong capital and ample liquidity underpinning growth Risk Weighted Assets (EGP mn) Capital Base (egp bn) 800,000 748,344 553,265 700,000 755,187 735,915 672,199 250,000 600,000 200,000 500,000 541,985 427,202 484,592 400,000 150,000 381,507 300,000 100,000 200,000 50,000 100,
Slide 30: Real Growth in USD Terms
REAL GROWTH IN USD TERMS USD growth highlighting true resilience Reported Top Line Reported Bottom Line ↑16% 83,683 ↑47% 71,965 62,100 EGP million EGP million 42,348 9M24 9M25 9M24 9M25 Top Line in USD Terms Bottom Line in USD Terms ↑17% 1,748 ↑48% 1,490 1,297 USD million USD million 877 9M24 9M25 9
Slide 31: Risk Management
RISK 05 MANAGEMENT Investor Relations Presentation 3Q 2025
Slide 32: Risk Management: Prudent Risk Management Safeguarding Long-Term Value
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 33: ESG
ESG 04 Investor Relations Presentation 3Q 2025
Slide 34: 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 35: 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 36: 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 37: 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 38: Corporate Governance
CORPORATE GOVERNANCE Governance excellence with diversified board expertise CIB’s Board consists of 1 1 members; Audit 8 are non-executive, 5 are independent and 2 representing the interests of Alpha Oryx Ltd* Committee Nevine Hisham Ezz Al- Sherif Samy Fadhel Al Ali Aziz Moolji Georgios Sabbour 6 A
Slide 39: Awards and Recognition
AWARDS AND 05 RECOGNITION Investor Relations Presentation 3Q 2025
Slide 40: Awards
AWARDS Global Finance MEED EMEAFinance 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 S
Slide 41: 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 21/23Charles De GaulleSt., Giza P.O Box 2430 Cairo-Egypt Investor Relations Presentation 3Q 2025 41
Slide 42: Thank You
Thank You
Commercial International Bank - Egypt (CIB) S.A.E. — Q3 2025 Earnings Presentation on 6ix