Commercial International Bank - Egypt (cib) S.a.e. · EGX:COMI
Commercial International Bank - Egypt (cib) S.a.e — Commercial International Bank - Egypt (CIB) — FY2025 Earnings Presentation
41 slides from Commercial International Bank - Egypt (cib) S.a.e's earnings presentation, 2026
Slide 1: Investor Relations Presentation FY25
Investor Relations Presentation FY25
Slide 2: Table of Contents
Table of Contents 01 Operating Environment 05 Risk Management 02 About CIB 06 ESG 03 Strategy Overview 07 Awards and Recognitions 04 Financial Performance
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
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Slide 5: Macroeconomic Environment: Egypt reforms and resilience
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% 4.4% 3.6% 14.6% 11.40% 11.80% 2.5% 2.4% 36% 33.70% 2.0% 6.3% 29.80% 27.51% 25.8% 24.10% 24.00% 21.3% 13.2% 14.90% 12.30%
Slide 6: Macroeconomic Environment: A Well Diversified Economy
MACROECONOMIC ENVIRONMENT A Well Diversified Economy Economic Activity Contribution to GDP Key Sector Growth (%) (2024/2025) (2024/2025) 7.1% 11.6% 6.6% 5.9% 10.9% 15.4% 3.5% 3.7% 11.2 17.3 1.9% 13.8 14.5% 8.0% 0.5% 12.2 5.5% 7 0.6% 4.1 0.4% 3.3% 2.8 3.7 Agriculture, Forests & Fishing Extractions Ma
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 4,638 4,598 27,521 4,577 6,699 24,428 22,960 20,110 4,451 5,249 17,756 4,810 16,012 4,163 3,573 3,158 4,298 18/19 19/20 20/21 21/22
Slide 8: Position Among Peers (9M2025)
POSITION AMONG PEERS (9M2025) Best-in-class returns with strong capital buffers Deposit Market Share Total Assets Net Income Loan Market Share 1,349 62.2 EGP Billions EGP Billions 5.3% 6.8% 4.6% 919 4.8% 867 4.4% 2.7% 21.6 472 1.9% 2.0% 13.2 14.4 308 11.2 12.3 0.8% 1.1% 1.5% 226 0.6% 0.6% 0.7% 138 5
Slide 9: About CIB
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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 Listed Egyptian Exchange (EGX) COMI Shares outstanding 3,377,936,100 High EGP 140.2 2.02 Listed London Stock Exchange (LSE) CBKD Par value EG
Slide 13: Strategy Overview
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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 +71.7% Internal Transfer Migration +1.3% 2024 2025 2024 2025 15.9M 27.3M 96.1% 97.4% Monthly Active Users on +14% New To Bank Digital +27.7% Mobile App registration rate 2024 2025 2024 2025 934.8K 1.06M 279.2K 356.5K Exter
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* 760.7Bn vs 625.6Bn +21.6% 396,719 vs 277,140 +43% LCY FCY Consumer CMB & BB 24Bn vs 17.6Bn +36.5% 379,247 vs 262,503 17,472 vs 14,
Slide 17: Empowering SMEs
EMPOWERNG SMEs Fueling growth and driving innovation +91K 12K +300 Strategic shift from deposits-led Business Banking Female Led Experienced Relationship Business Managers business to balanced business Customer Base model with special focus on Asset growth By 2030 Representing 14% total Growing netw
Slide 18: Financial Performance
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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 1.4tn (+19% YoY) 2 STRATEGICALLY MANAGED FUNDING STRUCTURE NO WHOLE SALE FUNDING LOW COST OF FUNDS CASA 61% STRINGENT CREDIT CULTURE 3 SOLID
Slide 20: Resilient Balance Sheet Management
RESILIENT BALANCE SHEET MANAGEMENT Efficient Balance Sheet structure optimizing returns NET INTEREST MARGIN NET INTEREST SPREAD COST OF FUNDS ASSET YIELD (MANAGERIAL STANDALONE) (MANAGERIAL STANDALONE) (MANAGERIAL STANDALONE) (MANAGERIAL STANDALONE) FY25 8.95% FY25 7.60% FY25 17.35% FY25 9.75% FY24
Slide 21: Loans and Advances
LOANS AND ADVANCES Driving value through sustainable loan growth TOTAL LOANS COMPOSITION CORPORATE LOANS COMPOSITION Other Corporate Loans, INDIVIDUAL LOANS COMPOSITION 0% Mortgage Individual/ Syndicated Overdraft, 3% Gross Loans, Loans, 17% loans, 9% Corporate 16.93% Overdraft, 25% Credit card, 20%
Slide 22: Customers' Deposits
CUSTOMERS’ DEPOSITS Stable funding fueled by low cost deposit growth DEPOSITS BREAKDOWN BY PRODUCT DEPOSITS BREAKDOWN BY TENOR Other Deposits, 0.7% Saving DEPOSITS COMPOSITION Deposits, Long-term, 19.0% Demand 40% deposits, 41.6% Corporate, Certificates 41.4% CASA, 61% of Deposit, 22.4% Time Deposit
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 ** 10.95% 2.1% 10.11% 1.9% 1.7% 2.6% 2.6% 2.7% 2.7% 2.8% 5.72% 7.11% 34.4% 6.90% 3.6% 5.19% 4.83% 3.
Slide 24: Empowering SMEs
EMPOWERING SMEs Fueling growth and driving innovation SME Assets SME Liabilities SME Revenues 12,294,088 116,083,245 19,522,290 9,515,042 90,865,511 14,814,230 2024 2025 2024 2025 2024 2025 Bank Awards SME Gross Contribution SME CASA CIB has been awarded the Pioneering Network Tokenization Award at
Slide 25: Income Statement Highlights
INCOME STATEMENT HIGHLIGHTS Continued growth trajectory in top and bottom line, resulting in maximizing value to shareholders NET INCOME MOVEMENT 1,841 16,636 7,444 3,666 EGP million 82,259 55,256 (19,636) FY24 Net Income Income & Deferred Tax Non-Interest Expense Impairment Charge for Credit Non-In
Slide 26: Cost Efficiency
COST EFFICIENCY Optimization at scale: maximizing value, minimizing cost Non- Interest Expense Headcount 20,000 8,665 8800 18,000 17,562 8600 16,000 8290 8400 14,000 13,896 12,000 8200 10,000 10,076 7,917 8000 8,000 7700 7800 7,372 6,000 7600 4,000 2,000 7400 0 7200 FY2022 FY2023 FY2024 FY2025 FY202
Slide 27: Provisions and Coverage
PROVISIONS AND COVERAGE Robust coverage protecting asset quality NPL Ratio NPL COVERAGE RATIO 6.00% 400% 351% 350% 309% 358% 5.00% 4.89% 300% 229% 4.00% 3.59% 250% 3.30% 200% 3.00% 150% 2.00% 1.71% 100% 1.00% 50% 0.00% 0% FY2022 FY2023 FY2024 FY2025 FY2022 FY2023 FY2024 FY2025 IMPAIRMENT RELEASE (CH
Slide 28: Capital and Liquidity
CAPITAL AND LIQUIDITY Strong capital and ample liquidity underpinning growth Risk Weighted Assets (EGP mn) Capital Base 900,000 809523.8095 800,000 250,000 755,187 735,915 748,344 700,000 672,199 553,265 200,000 600,000 500,000 484,592 541,985 150,000 427,202 400,000 381,507 300,000 100,000 200,000
Slide 29: Real Growth in USD Terms
REAL GROWTH IN USD TERMS USD growth highlighting true resilience Reported Top Line Reported Bottom Line 82,239 117,433 ↑49% ↑19% 98,956 55,196 EGP million EGP million FY24 FY25 FY24 FY25 Top Line in USD Terms Bottom Line in USD Terms 1,725 ↑59% 2,463 ↑27% 1,946 USD million USD million 1,086 FY24 FY2
Slide 30: Risk Management
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Slide 31: 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 32: ESG
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Slide 33: 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 34: 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 35: 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 36: 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 37: Corporate Governance: Diversified board expertise
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
Slide 38: Awards and Recognition
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Slide 39: 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 40: 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 40
Slide 41: Thank You
Thank You
Commercial International Bank - Egypt (CIB) — FY2025 Earnings Presentation on 6ix