Commercial International Bank Egypt SAE

Chart & Performance

D1W1MN

P/E

3.87

P/S

2.05

EPS

19.36

Div Yield, %

—

Shrs. gr., 5y

1.30%

Rev. gr., 5y

32.85%

Revenues

104.06b

+73.47%

Net income

55.20b

+86.26%

CFO

89.76b

-48.50%

Dividend

Apr 18, 20240.011566 GBP/sh

Earnings

May 12, 2025

Profile

Commercial International Bank (Egypt) S.A.E provides retail, corporate, and investment banking services in Egypt. The company operates in four segments: Corporate Banking, Investment, Retail Banking, and Others. It offers current and saving accounts, easy accounts, time deposits, and certificates of deposit; and personal/overdraft/mortgage, educational, solar, travel, car finance, and unsecured personal loans, as well as revolving overdraft salary upfront services. The company also offers global transaction and digital banking; and cash management services, as well as corporate banking services. In addition, it provides credit, debit, and prepaid cards, smart wallet, mobile, Internet, phone banking, and ATM services. Further, the company offers other credit facilities; derivative products; financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advisory; and foreign currency services, as well as assets liabilities services. Additionally, the company provides structured financing, corporate leasing, merger, and acquisition services, as well as trades in financial instruments. Furthermore, the company offers investment savings products, consumer loans and mortgage services. It operates through 215 branches. The company was formerly known as Chase National Bank. Commercial International Bank (Egypt) S.A.E was founded in 1975 and is headquartered in Giza, Egypt.

URL

https://www.cibeg.com/

IPO date

Feb 02, 1995

Employees

7,725

Domiciled in

Incorporated in

Valuation

Order:

Title EGP in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title EGP in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	104,061,880 73.47%	59,988,240 64.69%	36,424,588 26.02%
Cost of revenue	5,937,410	4,100,084	3,303,313
Unusual Expense (Income)
NOPBT	98,124,470	55,888,156	33,121,275
NOPBT Margin	94.29%	93.17%	90.93%
Operating Taxes	21,878,946	11,942,406	7,769,136
Tax Rate	22.30%	21.37%	23.46%
NOPAT	76,245,524	43,945,750	25,352,139
Net income	55,196,394 86.26%	29,634,542 83.90%	16,114,388 21.41%
Dividends	(5,403,796)	(3,755,996)	(4,420,569)
Dividend yield
Proceeds from repurchase of equity	236,570	369,876	122,716
BB yield
Debt
Debt current
Long-term debt		15,557,256	10,435,582
Deferred revenue
Other long-term liabilities		(15,557,256)	(828,730)
Net debt	(810,909,144)	(560,103,189)	(411,585,203)
Cash flow
Cash from operating activities	89,764,290	174,305,009	64,902,547
CAPEX	(5,798,484)	(1,685,846)	(1,033,499)
Cash from investing activities	(105,777,170)	(34,692,176)	(32,438,527)
Cash from financing activities	8,305,688	1,735,554	(560,316)
FCF	79,072,291	33,631,125	21,987,995
Balance
Cash	407,360,854	302,973,065	181,349,269
Long term investments	403,548,290	272,687,380	240,671,516
Excess cash	805,706,050	572,661,033	420,199,556
Stockholders' equity	87,406,507	60,348,414	46,799,406
Invested Capital	1,127,566,754	774,517,685	585,980,928
ROIC	8.02%	6.46%	4.84%
ROCE	8.08%	6.69%	5.23%
EV
Common stock shares outstanding	3,071,166	3,001,981	3,010,523
Price
Market cap
EV
EBITDA	99,202,883	56,796,821	34,058,699
EV/EBITDA
Interest	91,671,252	51,098,717	24,718,803
Interest/NOPBT	93.42%	91.43%	74.63%