Value creation remains one of the main pillars of CIB’s strategy. The Bank works diligently to create value for its shareholders, customers, employees, and society. To do this, it efficiently utilizes its key resources to best serve its strategic priorities, taking into account all prevailing macroeconomic driving forces. This results in both financial and non-financial value for CIB’s stakeholders.

Key Stakeholders



Shareholders and Investors


Resources (Input) Value Created (Outcome)
Financial Capital

Strong financial capital is always reinvested in the Bank’s activities.

  • EGP 13.27 billion in consolidated net income
  • EGP 13.42 billion standalone revenues
  • EGP 68.8 billion net worth
  • EGP 498.2 billion total assets
  • EGP 407.2 billion total deposits
  • EGP 102.46 billion market capitalization
  • 21.7% ROAE
  • 5.12% NPLs
  • 22.8% cost/income
Financial Performance
  • Ranked number one bank among all Egyptian private sector banks in terms of revenues, net worth, total assets, and deposits
  • The largest market capitalization in the Egyptian banking sector, and one of the highest ROEs
  • One of the lowest efficiency ratios among Egyptian private sector banks
Human Capital

CIB’s in-depth expertise across different industries is mainly rooted in its skilled, specialized, and dedicated employees.

  • 7,307 total workforce as of year-end
  • 30% of staff are women, well above Egypt’s 21% average
  • 420,273 training hours provided to all employees
  • First private bank to acquire Egyptian Gender Equity Seal (EGES), guided by the World Bank Gender Equity Model (GEM)
Human Capital
  • Highly skilled staff capable of sustaining CIB’s path of success and maintaining the Bank’s leading position within the market
Responsible Banking

Integrating environmental, social, and governance aspects into the Bank’s policies, operations, culture, products, and services to achieve sustainable development and act as an advocate of responsible banking.

  • Issued Egypt’s first corporate green bond
  • First bank in Egypt to support the task force for Climate Related Financial Disclosures (TCFD)
  • First Egyptian bank to conduct a debit and credit life cycle assessment
  • First Egyptian bank to conduct an Environmental and Social Impact Assessment on borrowing SME clients
  • Founding signatory to the UNEP-FI Principles for Responsible Banking
  • Founding member to the Net-Zero Banking Alliance
  • Constituent of the FTSE4 Good Index for the sixth consecutive year
  • Included in the 2022 Bloomberg Gender Equality Index (GEI) for the fourth consecutive year, after being the first Arab and African company listed on the 2019 Bloomberg GEI—the world’s only comprehensive investment quality data source on gender equality
  • Co-Chair of the Closing Gender Gap Accelerator, supported by the World Economic Forum (WEF)
  • Included in the new Low Carbon Select Index in the Middle East and North Africa (MENA), recently launched by the Arab Federation of Exchanges (AFE) and data provider Refinitiv
Innovation and Technology

Innovation is chiseled in CIB’s DNA, and the Bank is at the forefront of the market in offering simple, fast, and contextual experiences to its customers with a special focus on digitalization.

  • Largest ATM network among private banks at 1,284 ATMs, with high cash deposit and withdrawal transaction migration rates from branches (96.3% and 99%, respectively)
  • A 107% y-o-y increase in mobile banking transaction volume, amounting to EGP 136.3 billion, and a 30% y-o-y increase in number of online banking customers
  • CIB is the first bank in the market to avail digital registrations for Smart Wallet, maintaining a market competitive activity rate of 18% (90 days), with a 160% y-o-y increase in transaction value, amounting to EGP 7.2 billion (over 10.7 million transactions). It also recorded a 19% y-o-y increase in number of customers
  • CIB ranks first in the Egyptian banking sector in domestic payments over ACH
  • A 103% y-o-y increase in corporate internet banking transaction volumes and a 40% y-o-y increase in number of cash management product transactions. Transactions’ value amounted to EGP 511.4 billion
  • CIB ranks first in the Egyptian market in the e-governmental payment space. Corporate payment services (CPS) saw a 104% y-o-y increase in transaction volume, amounting to EGP 23.4 billion. It also saw a 69% y-o-y increase in number of customers
  • CIB ranks first in the Egyptian market for number of securitization SPVs launched in 2021 at 11 SPVs, amounting to EGP 10.3 billion
  • Expanding in digital banking platforms through availing more services to enhance customer experience and sales efficiency and manage costs
  • Continuously upgrading the Bank’s infrastructure and cyber security capabilities to provide a seamless customer experience in a safe environment
Service Excellence and Brand Recognition

CIB has long-standing relationships with clients that are built on the concepts of trust, customer centricity, and rights. The Bank’s core values enable it to preserve and strengthen its brand positioning in the financial services market in Egypt as the largest private bank, the best bank for corporate and retail services, and a leader in digital transformation.

NPS in 2021:

  • Overall – 28
  • Wealth – 28
  • Plus – 29
  • Prime – 27
  • Corporate – 38 (vs. 37.9 NPS ME Benchmark)
  • Business Banking – 23 (vs. 37.9 NPS ME Benchmark)

CSAT in 2021 (vs. 8 ME Benchmark):

  • Smart Wallet – 8.7
  • Mobile Banking – 8.6
  • Internet Banking – 8.6
  • ATMs – 8.3
Service Excellence and Brand Recognition
  • Since 2014, CIB has been monitoring its service performance through a service index, ensuring sustained, high customer satisfaction levels as part of its overarching strategy
  • Ranked 24th on Forbes Middle East’s Top 100 Listed Companies in the Arab World