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

CIBEY Income Statement

Financials in millions EGP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	210,136	182,735	104,028	55,724	45,078	42,196
Interest Income on Investments	189.33	195.05	234.01	52.41	59.73	50.18
Total Interest Income	210,325	182,931	104,262	55,776	45,138	42,246
Interest Paid on Deposits	106,101	91,671	51,099	24,719	20,112	17,024
Net Interest Income	104,224	91,259	53,164	31,057	25,026	25,223
Net Interest Income Growth (YoY)	28.51%	71.66%	71.18%	24.10%	-0.78%	16.60%
Income From Trading Activities	3,560	20,472	3,943	2,750	708.3	406.63
Gain (Loss) on Sale of Assets	-0.01	2.25	1.66	2.21	2.95	1.09
Gain (Loss) on Sale of Investments	775.42	459.34	221.81	1,162	594.86	922.83
Other Non-Interest Income	8,242	7,085	5,438	3,078	2,390	2,076
Total Non-Interest Income	12,577	28,019	9,605	6,992	3,697	3,406
Non-Interest Income Growth (YoY)	-51.85%	191.72%	37.36%	89.15%	8.52%	-0.43%
Revenues Before Loan Losses	116,801	119,278	62,768	38,050	28,722	28,629
Provision for Loan Losses	-7,189	4,524	4,270	1,585	1,680	5,019
Revenue	123,991	114,754	58,498	36,465	27,042	23,610
Revenue Growth (YoY)	23.47%	96.17%	60.42%	34.84%	14.54%	-0.03%
Salaries and Employee Benefits	-	-	-	-	609.74	552.44
Amortization of Goodwill & Intangibles	-	-	24.19	10.37	10.37	6.91
Selling, General & Administrative	17,148	13,896	10,076	7,372	5,573	5,073
Other Non-Interest Expense	5,039	23,705	6,592	5,082	1,990	2,744
Total Non-Interest Expense	22,186	37,619	16,749	12,482	8,168	8,354
EBT Excluding Unusual Items	101,805	77,136	41,750	23,983	18,875	15,256
Other Unusual Items	-	-	-	-	-	8.09
Pretax Income	101,805	77,136	41,653	23,941	18,833	15,236
Income Tax Expense	26,796	21,879	11,942	7,769	5,566	5,000
Earnings From Continuing Operations	75,009	55,257	29,711	16,172	13,268	10,236
Earnings From Discontinued Operations	-	-	-42.1	-	-	-
Minority Interest in Earnings	-60.95	-60.34	-34.32	-57.76	4.45	1.83
Net Income	74,948	55,196	29,635	16,114	13,272	10,238
Preferred Dividends & Other Adjustments	1,041	5,489	3,857	1,712	1,248	1,045
Net Income to Common	73,907	49,707	25,777	14,402	12,024	9,193
Net Income Growth	51.18%	86.26%	83.90%	21.41%	29.64%	-13.24%
Basic Shares Outstanding	3,261	3,033	3,033	3,002	2,983	2,964
Diluted Shares Outstanding	3,301	3,071	3,071	3,038	3,011	2,986
Shares Change (YoY)	7.40%	-	1.08%	0.91%	0.83%	1.00%
EPS (Basic)	22.66	16.39	8.50	4.80	4.03	3.10
EPS (Diluted)	22.40	16.19	8.39	4.74	3.99	3.08
EPS Growth	55.70%	92.97%	77.00%	18.80%	29.65%	-12.93%
Dividend Per Share	-	-	0.550	0.538	0.900	-
Dividend Growth	-	-	2.23%	-40.22%	-	-
Effective Tax Rate	26.32%	28.36%	28.67%	32.45%	29.55%	32.82%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.