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Home CompaniesCommercial International Bank -Egypt S.A.E

Commercial International Bank -Egypt S.A.E

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
2.21 GBX -0.04 ( 1.78%)
Last update at 2026-10-23T07:00:00Z
VOLUME
473175
Market Cap
569683.87M
P/E
0.05

Momentum Score

…

Commercial International Bank Egypt (CIB) S.A.E. provides retail, corporate, and investment banking services in Egypt. The company operates through Corporate Banking & SME's; Investment; Retail Banking; and Assets and Liabilities Management segments. It offers current and saving accounts, certificates and time deposits, saving solutions, and account services; personal, car finance, travel, education, and solar loans; funds; and insurance products, as well as overdraft, and mortgages services. The company also provides CIB VISA platinum debit cards, VISA platinum credit cards, and corporate deposit cards; prepaid cards; lending services; payment acceptance solutions; payroll services; and financial institution and correspondent banks, global transaction banking, treasury, and digital banking services. In addition, it provides credit, debit, and prepaid cards; concierge, overseas banking, phone indemnity, and email indemnity services; safe deposits; credit facilities; and financial derivatives. Further, the company offers financial instruments, structured financing, corporate leasing, and merger and acquisitions information services; and foreign currency services. The company was formerly known as Chase National Bank of Egypt and changed its name to Commercial International Bank Egypt (CIB) S.A.E. in January 1987. Commercial International Bank Egypt (CIB) S.A.E. was founded in 1975 and is headquartered in Giza, Egypt.

Source: TradingView
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Day Price Range
2.21
Low
2.25
High
52 Week Price Range
1.22
Low
2.84
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
2.25
Dividend Yield
-
Revenue TTM
0.00M
Revenue Per Share
-
Gross Profit TTM
36464.56M
Debt / Equity
0.15
ROE
42.81%
Net Debt
-188879.94M
ROCE
38.55%
Diluted EPS TTM
0.33

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 111582.02M 77135.68M 41653.37M 23941.29M 18833.36M
Minority interest -19.96M -60.34M -34.32M -57.76M 4.45M
Net income 82238.85M 55196.39M 29634.54M 16114.39M 13272.21M
Selling general administrative 8300.72M 5937.41M 4100.08M 3303.31M 2680.83M
Gross profit 120662.55M 104061.88M 59988.24M 36424.59M 28904.04M
Reconciled depreciation 2202.94M 1078.41M 908.66M 937.42M 936.68M
Ebit 111582.02M - 41653.37M 23941.29M 18833.36M
Ebitda 113784.96M - 42562.04M 24878.71M 19770.04M
Depreciation and amortization 2202.94M 1078.41M 908.66M 937.42M 936.68M
Operating income 111582.02M 81918.98M 41653.37M 23941.29M 18833.36M
Other operating expenses 112981.07M 22142.90M 69433.58M 37202.11M 30183.06M
Interest expense 103900.55M 91671.25M 51098.72M 24718.80M 20112.38M
Tax provision 29323.21M 21878.95M 11942.41M 7769.14M 5565.60M
Interest income 211600.18M 182735.47M 104028.38M 55723.70M 45078.17M
Net interest income 107699.63M 91064.22M 52929.66M 31004.90M 24965.79M
Income tax expense 29323.21M 21878.95M 11942.41M 7769.14M 5565.60M
Total revenue 224563.10M 104061.88M 111086.96M 61143.39M 49016.42M
Total operating expenses 9080.53M 22142.90M 18334.87M 12483.30M 10070.69M
Cost of revenue 103900.55M - 51098.72M 24718.80M 20112.38M
Total other income expense net - -4783.31M - - -
Net income from continuing ops 82258.82M 55256.73M 29710.97M 16172.15M 13267.76M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1442494.12M 1214973.26M 834866.10M 635831.92M 498235.84M
Intangible assets - - - 24.19M 34.55M
Other current assets 2397.73M 6836.99M 903.17M 572.51M 428.78M
Total liab 1210979.90M 1062153.94M 744224.63M 567493.75M 428933.10M
Total stockholder equity 231486.34M 152636.28M 90481.39M 67757.74M 68848.20M
Other current liab 1112934.64M 955588.51M 679681.35M 531601.50M 405674.38M
Common stock 33779.36M 30431.58M 30195.01M 29825.13M 19702.42M
Capital stock 33779.36M 30431.58M 30195.01M 29825.13M 19702.42M
Retained earnings 89514.27M 56791.88M 29993.33M 16393.84M 13696.40M
Good will - - 0.00M 96.27M 137.53M
Cash 224113.00M 407360.85M 302973.07M 181349.27M 123634.02M
Total current liabilities 1153038.08M 990600.54M 704324.34M 544259.93M 414227.10M
Net debt -188879.94M -378330.68M -287415.81M -170913.69M -116935.97M
Short long term debt total 35233.06M 29030.17M 15557.26M 10435.58M 6698.05M
Other stockholder equity 108192.71M 65412.81M 30293.05M 21538.76M 35449.38M
Total current assets 226510.73M 451499.85M 319938.51M 193318.73M 132922.15M
Long term investments 613735.66M 403548.29M 272687.38M 240671.52M 214418.04M
Net receivables - 37302.00M 16062.28M 11396.95M 8859.36M
Accounts payable 19533.13M 16684.07M 15247.46M 9606.85M 6317.74M
Non currrent assets other 655101.93M 755872.25M 271567.05M 239754.89M 214767.15M
Non current assets total 1215983.39M 763473.42M 514927.59M 442513.19M 365313.69M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -205001.71M -99992.89M -31869.66M -31407.24M -42626.12M
Total cashflows from investing activities -212579.05M -105777.17M -34692.18M -32438.53M -43762.72M
Net borrowings 6202.89M 13472.91M 5121.67M 3737.54M -1048.90M
Total cash from financing activities -8523.65M 8305.69M 1735.55M -560.32M -2433.62M
Net income 111582.02M 77135.68M 41611.27M 23941.29M 18833.36M
Change in cash -86068.16M -7707.19M 141348.39M 31903.70M -14730.55M
Begin period cash flow 226610.72M 234317.91M 92969.53M 61065.82M 75796.38M
End period cash flow 140542.56M 226610.72M 234317.91M 92969.53M 61065.82M
Total cash from operating activities 135034.53M 89764.29M 174305.01M 64902.55M 31465.79M
Issuance of capital stock 276.93M 236.57M 369.88M 122.72M 0.00M
Depreciation 2202.94M 1078.41M 908.66M 937.42M 936.68M
Other cashflows from investing activities 13.01M 2.25M 1.66M 2.21M 2.95M
Dividends paid 15003.46M 5403.80M 3756.00M 4420.57M 1384.72M
Capital expenditures 7930.27M 5798.48M 1685.85M 1033.50M 981.19M
Change in working capital 37041.96M 23695.75M 132025.96M 46393.53M 13096.62M
Stock based compensation 1262.61M 1005.35M 754.82M 723.97M 609.74M
Other non cash items -17055.00M -13150.90M -995.71M -7093.65M -2010.61M
Free cash flow 127104.26M 83965.81M 172619.16M 63869.05M 30484.61M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CBKD
Commercial International Bank -Egypt S.A.E		 -0.04
1.78%		 2.21 0.05 3.98 3.27 1.65 3.51
HSBK
Halyk Bank of Kazakhstan Joint Stock Company		 -0.50
1.51%		 32.50 0.01 4.03 2.33 1.17 2.88
LLOY
Lloyds Banking Group PLC		 -0.35
0.34%		 102.15 14.37 10.15 3.16 1.20 4.02
NWG
NatWest Group PLC		 -9.60
1.49%		 634.40 9.00 8.31 3.01 1.08 2.25
AIBG
AIB Group PLC		 2.00
0.22%		 924.00 10.06 10.10 3.99 1.31 5.68

Profile*

Commercial International Bank -Egypt S.A.E

Commercial International Bank Egypt (CIB) S.A.E. provides retail, corporate, and investment banking services in Egypt. The company operates through Corporate Banking & SME's; Investment; Retail Banking; and Assets and Liabilities Management segments. It offers current and saving accounts, certificates and time deposits, saving solutions, and account services; personal, car finance, travel, education, and solar loans; funds; and insurance products, as well as overdraft, and mortgages services. The company also provides CIB VISA platinum debit cards, VISA platinum credit cards, and corporate deposit cards; prepaid cards; lending services; payment acceptance solutions; payroll services; and financial institution and correspondent banks, global transaction banking, treasury, and digital banking services. In addition, it provides credit, debit, and prepaid cards; concierge, overseas banking, phone indemnity, and email indemnity services; safe deposits; credit facilities; and financial derivatives. Further, the company offers financial instruments, structured financing, corporate leasing, and merger and acquisitions information services; and foreign currency services. The company was formerly known as Chase National Bank of Egypt and changed its name to Commercial International Bank Egypt (CIB) S.A.E. in January 1987. Commercial International Bank Egypt (CIB) S.A.E. was founded in 1975 and is headquartered in Giza, Egypt.

Nile Tower Building, Giza, Egypt

20 219666

https://www.cibeg.com

8665

Name Title Year Born
Mr. Amin Hisham Ezz Al-Arab CEO & Director 1957
Mr. Islam Osama Zekry Ph.D. Group Chief Finance & Operation Officer and Executive Director 1977
Ms. Yasmine Hemeda Head of Investor Relations NA
Mr. Mahmoud Abbas Mohamed Ahmed Chief Legal Officer NA
Mr. Amr El-Ganainy Deputy CEO & Executive Director NA
Mr. Rashwan Hammady Chief Retail, Commercial Banking & Financial Inclusion Executive NA
Mr. Omar El-Husseiny Chief Global Markets Executive NA
Mr. Aboelhasan Amer Ahmed Amin Head of Litigation & Implementation Group NA
Ms. Nelly El Zeneiny Investor Relations Officer NA
Mr. Tony Paul Prestedge Executive Advisor 1970

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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