Commercial International Bank Egypt (CIB) S.A.E. CIBEY

CIBEY Company Overview

Commercial International Bank (Egypt) S.A.E. (CIB) is one of Egypt’s largest private-sector banks and a leading financial institution in the country’s banking industry. The bank provides a broad range of retail, corporate, investment, treasury, and wealth-management banking services to individuals, small and medium-sized enterprises (SMEs), large corporates, and institutional clients. CIB’s primary revenue drivers include net interest income from lending activities, fees and commissions from banking services, treasury and investment operations, and digital banking services. The bank is widely recognized for its strong corporate banking franchise, extensive retail banking expansion, and emphasis on digital transformation within Egypt’s financial sector.

CIB was established in 1975 as a joint venture involving Chase Manhattan Bank and the National Bank of Egypt before evolving into a fully private-sector commercial bank. Over time, the bank expanded from a predominantly corporate-focused institution into a diversified universal bank with significant retail banking operations. CIB has maintained a strong market position through conservative risk management, relatively high capitalization compared with local peers, and early investment in digital banking infrastructure and transaction banking capabilities.