Commercial International Bank - Egypt (cib) S.a.e. · EGX:COMI
Commercial International Bank - Egypt (cib) S.a.e — Commercial International Bank - Egypt (CIB) — Investor Presentation (2026)
43 slides from Commercial International Bank - Egypt (cib) S.a.e's investor presentation, 2026
Slide 1: Investor Relations Presentation 1H 2026
Investor Relations Presentation 1H 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
LS —\\ 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 SHARE* CORPORATE DEPOSITS MARKET SHARE* CORPORATE LOANS GROWTH BY SECTOR ** 1.9% 2% 11.3% 2% 11.1% 2.2% 3% 3.0% 3.2% 30% 4% 6.99% 7% 6.67% 5.74% 5.66% 8.1% 5.02% 4.98% 5.35%
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 872.5Bn vs 760.7Bn +14.7% 226,908vs 168,705 +34.5% 16.0Bn vs 9.91Bn +61.6% FCY Consumer CMB & BB LCY 217,312 vs 160,765 9,596vs 7,940
Slide 11: Empowering SMEs
EMPOWERING SMEs Fueling growth and driving innovation SME Assets SME Liabilities SME Revenues 133,149,358 22,245,706 7,083,840 101,734,712 5,698,480 16,508,623 Q2 2025 Q2 2026 Q2 2025 Q2 2026 Q2 2025 Q2 2026 SME Gross Contribution SME CASA 5,002,319 3,640,680 93% of 93% of 93% of 94% of Total Total
Slide 12: Empowering SMEs
CIB Business Banking In Q2 2026 EMPOWERING SMEs Fueling growth and driving innovation MENA Banking Excellence +97.7K +715 +300 Award 2026 CIB Egypt has been recognized as Best SME Bank – Business Banking Female Led Experienced Relationship Egypt at MEED’s MENA Banking Excellence Retail, Managers Dig
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 +3.6% CD Booking +0.02% Internal Transfer Migration +1.3% Migration Migration 2025 1H2026 2025 2025 1H2026 1H2026 97.2% 97.7% 82.4% 86% 90.19% 90.22% New To Bank Digital +10.4% E-statement Subscriber +2.2% Digital lead contr
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 TOTAL ASSETS IN EGYPT’S PRIVATE BANKS CUSTOMER DRIVEN ASSET GROWTH EGP 1.69tn (+17% Ytd) 2 STRATEGICALLY MANAGED FUNDING STRUCTURE NO WHOLE SALE FUNDING LOW COST OF FUNDS CASA 63% STRINGENT CREDIT CULTURE 3 SOLI
Slide 17: Revenue Growth in USD Terms
REVENUE GROWTH IN USD TERMS USD growth highlighting true resilience Reported Top Line Reported Bottom Line 65,587 54,870 ↑20% 39,313 EGP million EGP million 33,346 ↑18% 1H25 1H26 1H25 1H26 Top Line in USD Terms Bottom Line in USD Terms 1,332 1,106 ↑20% USD million USD million 799 672 ↑19% 1H25 1H26
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) 1H26 8.61% 1H26 7.45% 1H26 15.4% 1H26 7.96% 1H25 8
Slide 19: Income Statement Highlights
INCOME STATEMENT HIGHLIGHTS Continued growth trajectory in top and bottom line, resulting in maximizing value to shareholders 1,932 NET INCOME MOVEMENT 1,226 2,440 9,491 EGP million 377 39,314 33,346 1H25 Net Income Income & Deferred Tax Non-Interest Expense Total Provisions Non-Interest Income Net
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 Syndicated Mortgage Overdraft, 2.59% Loans, 0.25% Corporate Loans, loans, Overdraft, 17.86% 9.04% Individual/ 21.65% Credit Gross Loans, c
Slide 21: 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, 0.6% 19.7% Corporate, 43.1% Long-term, Demand 37% deposits, 42.4% Certificates of Deposit, CASA, 63% Individual, 56.9% 21
Slide 22: Cost Efficiency
COST EFFICIENCY Optimization at scale: maximizing value, minimizing cost NON- INTEREST EXPENSE HEADCOUNT 12,000 8,800 8,691 9,981 8,700 10,000 7,916 8,600 8,500 8,000 8,403 8,400 5,799 6,000 8,300 8,200 8,106 4,000 8,100 8,000 2,000 7,900 0 7,800 1H24 1H25 1H26 1H24 1H25 1H26 COST EFFICIENCY 15.8% 1
Slide 23: Provisions and Coverage
PROVISIONS AND COVERAGE Robust coverage protecting asset quality NPL RATIO NPL COVERAGE RATIO 4.50% 4.13% 370% 4.00% 360% 358% 3.50% 350% 3.00% 338% 2.68% 340% 2.50% 2.00% 330% 1.50% 1.59% 320% 314% 1.00% 310% 0.50% 300% 0.00% 290% 1H24 1H25 1H26 1H24 1H25 1H26 TOTAL PROVISIONS 2,239 EGP million 1,0
Slide 24: Capital and Liquidity
- 100 200 300 400 500 600 700 800 900 1,000 Jun-24 542 Jul-24 Aug-24 26.2% Sep-24 553 Oct-24 Nov-24 Dec-24 672 Jan-25 26.2% Feb-25 Mar-25 755 Apr-25 May-25 Jun-25 736 Jul-25 24.1% Aug-25 Sep-25 748 Oct-25 RISK WEIGHTED ASSETS (EGP BN) Nov-25 Dec-25 810 Jan-26 Strong capital and ample liquidity under
Slide 25: Position Among Peers (1Q26)
POSITION AMONG PEERS (1Q26) Best-in-class returns with strong capital buffers Loan Market Share** Deposit Market Share** Net Income Total Assets 1,561 7.2% EGP Billions EGP Billions 5.6% 5.2% 1,028 1,043 4.3% 4.3% 17.7 2.5% 533 1.7% 1.9% 2.1% 416 8.9 1.2% 264 5.0 6.5 6.0 0.6% 0.6% 0.8% 0.7% 156 3.6
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: Directors
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- Fadhel Al Ali Aziz Moolji Hoda Mansour Jawaid Mirza Sabbou
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 MEED EMEAFinance Best securitisation house in Africa ▪ Best Private Bank in Egypt ▪ Best Payment Ecosystem Integration ▪ Best Bank in Egypt ▪ Best SME Bank in Egypt ▪ Best SME Bank in Egypt ▪ Top Financial Innovations in Africa Euromoney ▪ Egypt's Best Trade Finance Providers ▪
Slide 34: Operating Environment
OPERATING ENVIRONMENT 06
Slide 35: Macroeconomic Environment
MACROECONOMIC ENVIRONMENT Egypt: reforms, resilience and more room to bank the unbanked Suez Canal Revenue (USD bn) FDI (USD bn) Remittances (USD bn) Tourism Revenue(USD bn) 46.06 44.25 10.00 8.76 50.00 50.00 25.00 20.47 36.46 7.00 6.63 40.00 40.00 31.92 16.73 8.00 5.73 5.81 5.91 31.43 20.00 27.76 1
Slide 36: Macroeconomic Environment
MACROECONOMIC ENVIRONMENT A Well Diversified Economy ECONOMIC ACTIVITY CONTRIBUTION TO GDP KEY SECTOR GROWTH (%) (2025/2026) (2025/2026) 6.7% 12.1% 6.3% 4.7% 10.2% 3.3% 16.2% 12 4.0% 14.5 13.8 10.2 2 3.3 3.9 4.6 1.8% 15.9% 7.4% 0.5% -5.3 5.7% 0.5% 3.6%Extractions Agriculture, Forests & Fishing 0.4%
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 3,405,139,100 High EGP 145.01 2.09 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 Regime Acting Sector B
Slide 42: 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 42
Slide 43: Thank You
Thank You
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