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Commercial International Bank (Egypt) S.A.E

Commercial International Bank (Egypt) S.A.E

CMGGF
Commercial International Bank (Egypt) S.A.EUS flagOther OTC
1.43
USD
- -
- -
4.71BMarket Cap
Commercial International Bank (Egypt) S.A.E
CMGGF
(Other OTC)

Recent

price

1.43

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
30.15
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
17.61
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
22
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
8.67
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
29.38
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
70.63
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
3,376
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
101,784
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
381
256
251
252
232
210
416
481
521
815
767
937
937
909
1,078
2,203
1,711
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
59,453
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
27.87
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
58.41
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
39,538
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
238,416
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
64.79
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,299
3,299
- -
Market Capitalization
234,779
269,217
241,958

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
224,113
262,858
357,593
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
36,066
- -
- -
- -

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
4.93
- -
- -
24.35
2026
5.28
6.33
- -
- -
- -

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
2.26
- -
- -
4.44
2026
2.59
5.99
- -
- -
- -
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Business
Commercial International Bank (Egypt) S.A.E. (CIB) operates as Egypt's leading private-sector bank, providing a comprehensive range of financial products and services to enterprises of all sizes, institutions, households, high-net-worth individuals, and small and medium-sized enterprises; its core offerings encompass consumer banking with personal and specialized lending solutions, cash management, credit and debit cards for segments including Prime, Plus, Wealth, and Private clients; institutional banking through CIB Business Online for secure transaction processing; debt capital markets, direct investment, treasury services, and financial institution support; as well as retail, SME, corporate, and wealth management solutions. Founded in 1975 as a joint venture between the National Bank of Egypt and Chase Manhattan Bank and headquartered at Nile Tower Building, 21/23 Charles de Gaulle Street in Giza, Cairo, Egypt, CIB maintains primary operations across Egypt with expanding cross-border presence in East Africa, including subsidiaries or operations in Kenya and Ethiopia to facilitate intra-African trade, cash flow lending, payment enhancements, and private banking services. Recent developments include a strategic partnership with WE in March 2025 to deliver digital financial services and Banking-as-a-Service for millions of customers via extensive distribution channels to boost financial inclusion; a collaboration with talabat and Mastercard announced in October 2025 for a new credit card tailored to digital economy users; extension of EGP 30 billion in long-term financing to the Suez Canal Economic Zone in 2025 repayable over 15 years; a financing agreement with CRC for the Solana project in New Zayed in February 2025; first Egyptian bank to launch Apple Pay for CIB Visa Business credit cards targeting SMEs; renewal of ACCA Approved Employer accreditation; and positioning Nairobi as East Africa headquarters while advancing sustainable finance with targets to grow its Green Asset Ratio by 1-2% annually.