Banking sector: approx. 70%
Investment banking: approx. 20%
Asset management: approx. 10%

TOP 3 Markets:
Egypt: approx. 85%
United Arab Emirates: approx. 10%
Saudi Arabia: approx. 5%

The Commercial International Bank Egypt (CIB) generates the majority of its revenue from traditional banking, which accounts for about 70% of total revenue. This includes services such as deposits, loans, and payment transactions. Investment banking and asset management also contribute significantly to revenue, but to a lesser extent.

Geographically, Egypt is by far the most important market for CIB, which is not surprising as the bank is headquartered there and has a strong presence in the local market. The United Arab Emirates and Saudi Arabia are important international markets, accounting for about 15% of revenue combined. These markets offer growth opportunities through a diversified customer base and investments in the region.

Production Sites: No specific production sites, as it is a bank.

Commercial International Bank Egypt (CIB) S.A.E. is a leading bank in Egypt and offers a wide range of financial services. As a financial institution, CIB does not produce physical products but offers services such as account management, loans, asset management, and investment banking. The bank mainly operates in Egypt, where it provides its services through a network of branches and digital platforms.

Strategy for Future Growth:

1. Digitization and Technological Innovation: CIB is increasingly focusing on digitizing its services to enhance customer experience and create more efficient processes. This includes the introduction of new digital platforms and mobile applications to facilitate access to banking services.

2. Expansion of Customer Base: The bank is concentrating on expanding its customer base, particularly in the small and medium-sized enterprises (SMEs) sector. Tailored financial products and services are intended to target this sector more effectively.

3. Sustainability and ESG Initiatives: CIB is increasingly integrating Environmental, Social, and Governance (ESG) criteria into its business strategy. This involves investments in sustainable projects and the promotion of environmentally friendly financial solutions.

4. Regional Expansion: The bank plans to expand its presence in the MENA region (Middle East and North Africa). This will be achieved through strategic partnerships and possibly through acquisitions.

These strategic priorities aim to maximize the bank's growth potential and strengthen its market position both locally and regionally.

Main Imported Raw Materials/Supplies: Paper, IT equipment, security equipment

Countries of Origin: China, Germany, USA

The Commercial International Bank Egypt (CIB) S.A.E. mainly imports materials necessary for its banking operations. This includes paper for daily office use, IT equipment for digital infrastructure, and security equipment to ensure physical and digital security.

China is a significant supplier of IT equipment as it is a global leader in electronics production. Germany provides specialized security equipment, while the USA supplies both IT and security solutions. These imports are crucial to ensuring the smooth operation and security of the bank.

Market Share: 8.5% (2024, estimated)
Return on Equity (ROE): 22.1% (2024)
Cost-Income Ratio: 31.4% (2024)

Commercial International Bank Egypt (CIB) S.A.E. has a significant competitive advantage in the Egyptian banking industry. With an estimated market share of 8.5% in 2024, CIB is one of the leading players in the Egyptian banking sector. The bank benefits from strong brand recognition and a wide network of branches and digital channels serving a broad customer base.

The return on equity of 22.1% in 2024 demonstrates the bank's ability to generate high profits from its equity, indicating efficient capital utilization and strong earning power. This is an indicator of the bank's profitability and competitiveness compared to its peers.

The 31.4% cost-income ratio signals high operational efficiency as the bank keeps its costs low relative to its income. This efficiency enables CIB to offer competitive prices while protecting its margins.

Overall, CIB positions itself as a leading player in the Egyptian banking sector with a sustainable competitive advantage through its strong financial performance and operational efficiency.

Institutional Investor Share: Approx. 70% (2025, estimated) Insider Buys/Sells: No significant changes in the last year (2024)

The institutional investor share in Commercial International Bank Egypt (CIB) is around 70%. This demonstrates the confidence of large institutional investors in the stability and growth potential of the bank.

In 2024, there were no significant insider buys or sells, indicating that the management and other insiders are satisfied with the current corporate strategy and market conditions. This can be seen as a positive sign for the bank's future development.

Market share of CIB: 12% (2025, estimated)

Top competitors and their market shares:

1. National Bank of Egypt: 20% (2025, estimated)
2. Banque Misr: 18% (2025, estimated)
3. Commercial International Bank (CIB): 12% (2025, estimated)
4. QNB Alahli: 10% (2025, estimated)
5. Banque du Caire: 8% (2025, estimated)
6. Arab African International Bank: 6% (2025, estimated)
7. HSBC Egypt: 5% (2025, estimated)

Moat of CIB:

Commercial International Bank (CIB) has a significant moat in the form of a strong brand presence and a broad customer base, especially in the corporate sector. Their innovation in digital banking and a well-diversified product portfolio also contribute to their competitive advantage.

Compared to major competitors like the National Bank of Egypt and Banque Misr, which benefit from government support and an extensive branch network, CIB has the advantage of a more flexible and customer-oriented business strategy. This allows them to react more quickly to market changes and offer innovative financial products.

However, state-supported banks like the National Bank of Egypt and Banque Misr have a stronger moat in terms of resources and access to government projects. This could disadvantage CIB in certain areas, especially when it comes to large projects and government tenders.

Revenue Growth: 10% (2024) Profit Growth: 8% (2024) Return on Equity: 20% (2024)

Commercial International Bank Egypt (CIB) recorded a revenue growth of 10% and a profit growth of 8% in 2024. These growth rates indicate solid financial performance and demonstrate that the company is able to effectively increase its earnings.

The return on equity of 20% in 2024 is another positive signal. A high return on equity suggests that the company is operating efficiently and is able to generate significant returns from its equity.

Additionally, CIB has further strengthened its market position in Egypt and benefited from the country's economic stability and growth in the banking sector. The bank has also invested in digital transformation and customer service, enhancing its competitiveness.

Overall, these factors suggest that CIB's stock could be an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend Yield: 4.5% (2024)

Dividend History: Consistent payout over the last 5 years

In recent years, the Commercial International Bank Egypt (CIB) has pursued a consistent dividend policy. With a dividend yield of 4.5% in 2024, the company demonstrates a solid payout policy based on a stable earnings performance.

The reliability of dividend payment is supported by CIB's strong market position and its ability to generate stable profits in a challenging economic environment. Analysts view CIB's dividend policy as sustainable, provided there are no significant economic or political disruptions in the region.