Commercial International Bank - Egypt (CIB) SAE is engaged in the provision of banking and financial services. The company is headquartered in Giza, Giza and currently employs 8,665 full-time employees. The Bank provides banking services in various parts of Egypt through more than 200 branches and units. Its segments include Corporate Banking, Investment Banking, Retail Banking, Treasury and Capital Market Services and Others. Corporate Banking includes direct debit facilities, current accounts, deposits, overdrafts, loan and other credit facilities, foreign currency and derivative products. Investment Banking includes financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advise. Retail Banking includes Consumer Banking with different segments and offering a wide array of consumer banking products such as personal loans, deposit accounts, and credit and debit cards, along with a Business Banking Segment catering to the small and medium-sized enterprises (SMEs). Its geographical segments include Cairo; Alex, Delta, Sinai and Canal, Upper Egypt and Red Sea.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
104,803
104,803
71,498
41,653
23,941
18,833
Income Tax Expense
29,323
29,323
21,878
11,942
7,769
5,566
Net Income
75,460
75,460
49,558
29,634
16,114
13,272
Net Income Growth
37%
52%
67%
84%
21%
30%
Shares Outstanding (Diluted)
3,493.83
3,414.75
3,414.75
3,341.84
3,311.57
3,284.16
Shares Change (YoY)
2%
0%
2%
1%
1%
1%
EPS (Diluted)
21.59
22.09
14.51
8.88
4.86
4.04
EPS Growth
34%
52%
63%
83%
20%
28.99%
Free Cash Flow
121,612
121,612
89,880
172,619
63,870
30,485
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
2,307
2,307
1,414
908
938
937
EBIT
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EBIT Margin
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Effective Tax Rate
27.97%
27.97%
30.59%
28.67%
32.45%
29.55%
Follow-Up Questions
What are Commercial International Bank Egypt (CIB) S.A.E.'s key financial statements?
According to the latest financial statement (Form-10K), Commercial International Bank Egypt (CIB) S.A.E. has a total asset of $1,445,486, Net profit of $75,460
What are the key financial ratios for CMGGF?
Commercial International Bank Egypt (CIB) S.A.E.'s Current ratio is 1.18, has a Net margin is 0, sales per share of $0.
How is Commercial International Bank Egypt (CIB) S.A.E.'s revenue broken down by segment or geography?
Commercial International Bank Egypt (CIB) S.A.E. largest revenue segment is Corporate Banking, at a revenue of 61,116,446,000 in the most earnings release.For geography, Egypt is the primary market for Commercial International Bank Egypt (CIB) S.A.E., at a revenue of 118,570,982,000.
Is Commercial International Bank Egypt (CIB) S.A.E. profitable?
yes, according to the latest financial statements, Commercial International Bank Egypt (CIB) S.A.E. has a net profit of $75,460
Does Commercial International Bank Egypt (CIB) S.A.E. have any liabilities?
yes, Commercial International Bank Egypt (CIB) S.A.E. has liability of 1,221,088
How many outstanding shares for Commercial International Bank Egypt (CIB) S.A.E.?
Commercial International Bank Egypt (CIB) S.A.E. has a total outstanding shares of 3,377.93