Commercial International Bank

What Commercial International Bank does

Commercial International Bank (CIB) is Egypt's largest private-sector bank, founded in 1975 and headquartered in Cairo, with a workforce of 5,001–10,000 employees. CIB is publicly listed on the Egyptian Exchange (ticker CBKD) and reported FY2025 consolidated revenue of EGP 117 billion with net income of EGP 82.2 billion, and total assets of EGP 1.57 trillion as of Q1 2026. The bank operates a full-service commercial banking platform spanning four core segments: Consumer Banking (Prime, Plus, Wealth, Private tiers), Business Banking (over 77,000 SMEs served through 100+ relationship managers), Corporate and Institutional Banking (project finance, syndicated loans, trade finance, treasury, capital markets), and a dedicated Overseas Banking segment for Egyptians abroad.

CIB's product portfolio includes deposit accounts, lending, credit and debit cards, mortgages, insurance, trade finance, factoring, merchant acquiring (POS, QR, e-commerce), and capital markets services delivered through both physical branches/ATMs and a comprehensive digital banking stack: Internet Banking, Mobile Banking, Phone Banking, Mobile Payment Smart Wallet, the CIB Chatbot "Zaki," and specialized platforms such as CIB Business Online, Corporate Online Hub, Epayroll, EG-ACH, and Government ePayment (CPS). CIB applies AI-powered document recognition and workflow automation in trade finance processing and uses alternative transactional and behavioral data analytics for credit scoring of underbanked segments. The bank operates internationally through wholly-owned CIB Kenya Limited (trade finance focus, Egypt-Kenya corridor), a Dubai Representative Office (since 2005), and an Addis Ababa Representative Office (since 2019), and runs specialty subsidiaries including Commercial International Finance Company (CIFC) for mortgage and factoring.

CIB's revenue model is dominated by net interest income from lending and deposits, supplemented by transaction-based fees from trade finance, letters of credit, cards, and merchant acquiring, plus capital markets and direct investment returns. The bank monetizes through interest spreads, recurring relationship-based banking fees, and one-off capital markets transactions. Go-to-market combines enterprise field sales with dedicated relationship managers for SME and corporate clients, direct-to-consumer channels for retail, and a partner ecosystem (Mastercard, talabat, IFC, BII) for product distribution and capital. Recent strategic emphasis has been on sustainable finance, digital transformation (including a planned standalone digital bank targeting 10 million underserved customers with USD 300 million investment), and regional expansion through CIB Kenya.

Name

Commercial International Bank

Legal name

Commercial International Bank

Website

https://cibeg.com

Company type

Public

Founded year

1975

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Commercial International Bank (CIB) is Egypt's largest private-sector bank, founded in 1975, offering retail, SME, corporate, and international banking across 77,000+ SMEs and Egyptian consumers domestically and through Kenya, UAE, and Ethiopia offices.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA), Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Retail banking services
• Commercial banking
• Trade finance solutions
• Corporate banking
• Digital banking

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income and Net Interest Margin: Traditional banking revenue from interest earned on loans, credit facilities, and mortgage financing to retail, SME, and corporate clients.
2. Trade Finance and Transaction Banking Fees: Fees from letters of credit, documentary credits, trade finance services, syndicated loans, project finance, securitization, bonds, and structured finance transactions.
3. Digital Banking and Card Services: Revenue from digital banking platforms, credit and debit card issuance, merchant acquiring (POS, QR codes, e-commerce), and co-branded card partnerships.
4. Factoring and Mortgage Finance (Subsidiary CIFC): Revenue from mortgage and factoring facilities through Commercial International Finance Company (CIFC), established June 2022, with portfolio exceeding EGP 4 billion by June 2025.
5. Direct Investment and Capital Markets: Returns from selective direct investment opportunities in Egypt and the region, treasury and capital market services including cash management, FX, and derivatives.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels6 records

Core offering

Commercial International Bank (CIB) is Egypt's largest private-sector bank providing a full suite of retail, SME, and corporate banking services. Its core offering includes personal lending, mortgages, credit and debit cards, deposits, trade finance, project and syndicated finance, treasury and capital markets, factoring, merchant payment acceptance, and digital banking channels (mobile, internet, phone, chatbot, and smart wallet). The bank also operates dedicated overseas banking for Egyptians abroad and maintains a subsidiary in Kenya and representative offices in the UAE and Ethiopia.

Product overview

Commercial International Bank (CIB) is Egypt's largest private-sector bank offering a comprehensive, platform-based banking portfolio spanning retail, business, and institutional banking. Its core digital banking infrastructure consists of multiple digital channels including CIB Internet Banking, Mobile Banking App, CIB Business Online, CIB Business App, Phone Banking (IVR), and a CIB Chatbot (Zaki). For institutional clients, CIB provides Corporate Banking, Debt Capital Markets, Direct Investment, Financial Institution services, Treasury and Capital Markets, and Strategic Relations Group services. CIB operates merchant payment acceptance services under its Pay Now brand including POS terminals, QR Code payments, and E-commerce payment gateway. The bank has international presence through CIB Kenya Limited (fully owned subsidiary), Dubai Representative Office, and Addis Ababa Representative Office. CIB's financial services subsidiaries include Commercial International Finance Company (CIFC) for mortgage and factoring, and has developed a digital bank targeting 10 million underserved customers. The bank also provides corporate services including Corporate Online Hub, Download Portal, EG-ACH, Epayroll, and Government ePayment (CPS) services. All digital banking channels are regulated by and received approvals from the Central Bank of Egypt.

Differentiator

Problem solved

Functional benefit

Brands

• CIB Overseas: Banking services dedicated to Egyptians living abroad, offering remote banking services through dedicated relationship managers and digital channels.
• CIB Overseas Prime
• CIB Overseas Plus
• CIB Overseas Wealth
• CIB Pay Now

Products and services

• Retail Consumer Banking

Quantifiable outcome

• Q1 2026 net income of EGP 17.8 billion, up 7% year-over-year, with consolidated revenue of EGP 31.2 billion representing 15% growth.
• +5 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• MastercardcoreTechnology or Integration · 23 May 2026Mastercard partnered with CIB to promote digital payments and expand access to financial services in Egypt. Mastercard supports CIB with digital payments and card issuance, improving security, efficiency, and financial inclusion. The collaboration aligns with Egypt's move toward a digitally driven economy.
• OtroVato (subsidiary of Orascom Investment Holding)minorStrategic or Co-development Partner · 7 March 2026CIB signed MoU with OtroVato to establish strategic collaboration supporting exporters, buyers, suppliers, and distributors through integrated trade and banking solutions, with focus on African markets. CIB serves as preferred banking partner for OtroVato's digital B2B trade enablement platform network.
• Social Housing and Mortgage Finance Fund (SHMFF)minorStrategic or Co-development Partner · 5 December 2025CIB and SHMFF signed a cooperation protocol to expand mortgage financing for low- and middle-income citizens, aiming to increase volume to EGP 12 billion and promote home ownership.
• New Urban Communities Authority (NUCA)minorStrategic or Co-development Partner · 25 November 2025CIB and NUCA signed a cooperation protocol to finance the purchase of units owned by the New Urban Communities Authority, promoting sustainable urban development with mortgage solutions and repayment periods up to 20 years.
• talabatminorGTM or Marketing Partner · 28 October 2025CIB, talabat, and Mastercard launched a co-branded Mastercard credit card in Egypt to support Egypt's shift toward a cashless society and digital transformation. The card offers cashback, discounts, and Mastercard Platinum benefits.

Scale indicators12 records

Recent moves8 records

Expansion highlights8 records

Broad incumbents

• National Bank of Egypt: Egypt's largest state-owned commercial bank, operating a full-service retail, SME, and corporate franchise across Egypt. Directly comparable to CIB as a universal bank competing for the same Egyptian deposit and lending pool, though materially larger and state-backed.
• Banque Misr: One of Egypt's largest state-owned commercial banks with deep retail, SME, and corporate reach. Closely comparable to CIB's universal banking model in Egypt, competing head-to-head in deposits, lending, and trade finance.
• Qatar National Bank (QNB): Largest bank in the Middle East and Africa with a major Egyptian subsidiary (QNB Alahli). Comparable to CIB as a full-service commercial bank with corporate, retail, and trade finance capabilities operating in the Egyptian market.
• Emirates NBD: Leading GCC-headquartered banking group with presence in Egypt (via acquisition of BNP Paribas Egypt). Comparable to CIB's diversified retail, SME, and corporate banking franchise with strong trade-finance and digital banking capabilities across MENA.
• First Abu Dhabi Bank (FAB): UAE's largest bank with Egyptian operations (FABMisr). Closely comparable to CIB as a full-service commercial bank serving corporate, institutional, and retail clients in Egypt, and a frequent counterparty in CIB's syndicated facilities (e.g., Tasaheel sukuk).

Direct peers

• HSBC Egypt: HSBC's Egyptian franchise is a direct competitor to CIB in corporate, trade finance, and wealth management, and CIB is currently conducting due diligence on HSBC's retail banking portfolio in Egypt—a transaction that would significantly expand CIB's retail footprint.
• Standard Chartered Bank Egypt: International wholesale and consumer bank competing directly with CIB in Egyptian corporate banking, trade finance, and priority banking. Highly comparable on product mix and customer segments despite different ownership structures.

Regional players

• Mashreq Bank: UAE-headquartered bank with strong corporate, trade finance, and digital banking capabilities across MENA. Comparable to CIB's regional ambitions and trade-finance franchise, though primarily serves GCC rather than Egyptian retail.
• Ahli United Bank (ABK Egypt): Kuwait-headquartered banking group with Egyptian operations offering retail, SME, and corporate banking. Comparable to CIB as a universal commercial bank serving similar Egyptian customer segments with regional cross-border capabilities.

Emerging players

• Fawry: Egypt's leading digital payments and fintech platform, partnering with CIB on payment acceptance and competing for the same mass-market retail and SME customers. Relevant as an emerging competitor in CIB's planned digital-bank and financial-inclusion segments.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CIBEgypt

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries3 records

Funding overview

Funding rounds8 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments16 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Commercial International Bank