Commercial International Bank (Egypt) S.A.E

Commercial International Bank (Egypt) S.A.E

CIBEY
Commercial International Bank (Egypt) S.A.EUS flagOther OTC
2.42
USD
+0.00
- -
7.98BMarket Cap
Commercial International Bank (Egypt) S.A.E
CIBEY
(Other OTC)

Recent

price

2.42

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.27
1.28
1.67
2.32
2.71
3.31
3.86
4.98
6.89
8.06
8.79
8.87
11.1
18.17
31,191.11
35.72
28.24
Revenue per Share
0.66
0.52
0.68
0.84
1.06
1.49
1.89
2.35
2.98
3.75
3.16
4.07
4.91
8.97
16,544.36
24.35
16.26
Basic EPS, GAAP
0.93
1
2.24
2.16
5.04
11.51
13.12
0.16
8.17
6.46
8.68
9.35
19.47
52.27
25,167.59
37.63
-16.93
Free Cash Flow per Basic Share
0.22
0.27
0.25
0.25
0.3
0.49
0.46
0.42
0.67
0.86
1.04
0.42
1.35
1.14
1,619.71
4.44
4.95
Dividend per Share
2.51
2.33
2.34
3.62
3.91
5.1
5.52
5.57
6.64
8.45
7.82
10.24
14.09
18.23
26,144.03
36.5
23
Book Value per Share
2.63
2.7
3.3
3.77
4.59
4.98
6.6
8.78
10.59
16.51
18.45
21.2
20.79
27.45
45,805.48
68.54
64.27
Tangible Book Value per Share
3,069
3,089
3,261
3,104
3,131
3,164
3,182
3,197
3,210
3,143
3,238
3,260
3,281
3,302
3
3,378
3,363
Basic Weighted Avg Shares
3,896
3,959
5,457
7,203
8,495
10,474
12,297
15,933
22,131
25,328
28,464
28,904
36,425
59,988
104,062
120,663
94,988
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
381
256
251
252
232
210
416
481
521
815
767
937
937
909
1,078
2,203
1,574
Depreciation Expense
2,021
1,615
2,226
2,603
3,324
4,729
6,009
7,516
9,582
11,801
10,238
13,272
16,114
29,635
55,196
82,239
54,675
Net Income, GAAP
15.19
21.5
27.72
31.01
35.31
27.98
26.21
27.73
26.74
28.63
32.82
29.55
32.45
28.67
28.36
26.28
29.35
Effective Tax Rate (%)
51.87
40.79
40.8
36.14
39.13
45.15
48.86
47.17
43.3
46.59
35.97
45.92
44.24
49.4
53.04
68.16
57.56
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
129
99
80
168
264
131
160
3,675
3,722
3,273
7,747
6,698
10,436
15,557
29,030
35,233
39,987
LT Debt
8,614
8,758
10,812
11,688
14,380
16,583
21,508
28,439
34,228
51,880
59,959
69,303
68,338
90,641
152,819
231,514
216,173
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
33.1
21.67
30.05
27.58
28.3
33.32
35.65
42.47
48.99
49.3
39.46
45.21
40.48
55.7
74.89
78.13
75.56
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,297
3,299
3,299
Market Capitalization
319,930
356,621
408,931

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
224,113
262,858
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
31.64%
33.39%
51.5%
Free Cash Flow
510.9%
57.66%
51.38%
Net Income, GAAP
35.98%
54.04%
48.99%
Sales/Revenue/Turnover
29.44%
36.34%
15.95%
Total Cash Common Dividend
46.22%
73.36%
177.65%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
36,794
25,886
27,021
14,510
104,062
2025
27,300
29,270
- -
32,450
120,663
2026
33,267
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.56
4.65
4.41
- -
16,544.36
2025
4.92
4.98
- -
- -
24.35
2026
5.28
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.52
0.01
- -
- -
1,619.71
2025
1.94
2.28
- -
- -
4.44
2026
2.59
- -
- -
- -
- -
Business
Commercial International Bank (CIB) Egypt is the largest private-sector bank in Egypt, providing a comprehensive range of financial products and services including corporate banking; retail banking; investment banking; treasury and capital markets operations; and digital banking solutions. The bank caters to a diverse customer base comprising enterprises of all sizes, high-net-worth individuals, institutions, and households. Its offerings include various deposit accounts, loans, credit cards, trade finance, wealth management, and specialized services such as payments-as-a-service and banking-as-a-service through API-based platforms. CIB operates primarily in Egypt with expanding operations in East Africa following the full acquisition of Mayfair Bank in Kenya, establishing its regional footprint. Founded in 1975 and headquartered in Cairo, CIB is recognized for its market leadership and innovation in Egypt's banking sector. Recent major changes include launching Apple Pay for its CIB Visa Business credit card, targeting small and medium-sized enterprises (SMEs), and extending an EGP 30 billion long-term financing package to the Suez Canal Economic Zone (SCZONE) with a 15-year repayment period. The bank has also renewed its accreditation as an Approved Employer by the Association of Chartered Certified Accountants (ACCA), underscoring its commitment to professional excellence. Additionally, CIB has solidified its partnership with the International Finance Corporation (IFC) through a $150 million loan aimed at supporting micro, small, and medium-sized enterprises, including women-owned businesses, reinforcing its strategic focus on fostering SME growth and financial inclusion. CIB's business model emphasizes digital transformation with a pioneering approach to transaction banking, transitioning towards an API-driven platform bank to deliver enhanced scale, speed, and transparency. This transformation enables corporate clients to integrate their enterprise resource planning systems directly with the bank’s services, underpinning its leadership in Egypt’s evolving financial ecosystem. The bank continues to leverage its strong brand equity and premier standards in governance and training to maintain profitability and growth amid Egypt’s dynamic economic environment. Overall, Commercial International Bank Egypt stands as a pivotal financial institution in the region, offering a broad suite of banking and financial products while actively expanding its service offerings and geographic reach through strategic acquisitions and partnerships. This description incorporates product and service specifics, geographic operations, founding and headquarters information, plus recent major corporate developments and strategic initiatives up to late 2025.

Company News

APIChat
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