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Last update at 2026-03-09T08:00:00Z
Source: TradingView
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| 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 | -19.96300M | -60.33800M | -34.32300M | -57.76200M | 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 |
| Selling and marketing expenses | - | - | - | - | - |
| 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 |
| Non operating income net other | - | - | - | - | - |
| 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 |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| 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 | - | -4783.30600M | - | - | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 82258.82M | 55256.73M | 29710.97M | 16172.15M | 13267.76M |
| Net income applicable to common shares | - | - | - | - | - |
| Preferred stock and other adjustments | - | - | - | - | - |
| 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 |
| Earning assets | - | - | - | - | - |
| 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 |
| Deferred long term liab | - | - | - | - | - |
| 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 |
| Other liab | - | - | - | - | - |
| Good will | - | - | 0.00000M | 96.27M | 137.53M |
| Other assets | - | - | - | - | - |
| Cash | 224113.00M | 407360.85M | 302973.07M | 181349.27M | 123634.02M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 1153038.08M | 990600.54M | 704324.34M | 544259.93M | 414227.10M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -188879.94400M | -378330.68400M | -287415.80900M | -170913.68700M | -116935.97200M |
| Short term debt | - | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| 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 |
| Property plant equipment | - | - | - | - | - |
| 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 tangible assets | - | - | - | - | - |
| Short term investments | - | - | - | - | - |
| Net receivables | - | 37302.00M | 16062.28M | 11396.95M | 8859.36M |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts payable | 19533.13M | 16684.07M | 15247.46M | 9606.85M | 6317.74M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 655101.93M | 755872.25M | 271567.05M | 239754.89M | 214767.15M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1215983.39M | 763473.42M | 514927.59M | 442513.19M | 365313.69M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| 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 | -205001.70600M | -99992.88800M | -31869.66300M | -31407.23600M | -42626.12500M |
| Change to liabilities | - | - | - | - | - |
| Total cashflows from investing activities | -212579.05400M | -105777.17000M | -34692.17600M | -32438.52700M | -43762.72400M |
| Net borrowings | 6202.89M | 13472.91M | 5121.67M | 3737.54M | -1048.90100M |
| Total cash from financing activities | -8523.64500M | 8305.69M | 1735.55M | -560.31600M | -2433.62200M |
| Change to operating activities | - | - | - | - | - |
| Net income | 111582.02M | 77135.68M | 41611.27M | 23941.29M | 18833.36M |
| Change in cash | -86068.16500M | -7707.19200M | 141348.39M | 31903.70M | -14730.55300M |
| 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 | 0.00000M |
| 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 |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | - | - | - | - | - |
| Other cashflows from financing activities | - | - | - | - | - |
| Change to netincome | - | - | - | - | - |
| Capital expenditures | 7930.27M | 5798.48M | 1685.85M | 1033.50M | 981.19M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| 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 | -17054.99700M | -13150.89800M | -995.70900M | -7093.65500M | -2010.61100M |
| Free cash flow | 127104.26M | 83965.81M | 172619.16M | 63869.05M | 30484.61M |
Sector: Financial Services Industry: Banks - Regional
| Company | 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 |
-0.015 0.66% | 2.27 | 0.05 | 5.46 | 3.18 | 1.60 | 3.75 |
| SBID State Bank of India GDR |
- -% | 126.00 | 0.07 | 11.14 | 0.0002 | 1.45 | |
| LLOY Lloyds Banking Group PLC |
3.81 4.01% | 98.97 | 5.34 | 5.91 | 1.52 | 0.66 | |
| NWG NatWest Group PLC |
15.60 2.71% | 591.40 | 4.42 | 5.58 | 1.32 | 0.54 | |
| AIBG AIB Group PLC |
28.00 3.61% | 804.00 | 9.47 | 9.98 | 3.52 | 1.31 | 5.68 |
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
| 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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