Commercial International Bank Egypt CIB S A E (COMI) Investor Day 2026 summary

Strategic direction and growth model

• Refreshed purpose: help Egypt and Egyptians prosper; ambition: build tomorrow’s bank today through technology, customer experience, speed and agility.

• Five-year plan scales corporate banking 3x, doubles consumer banking, grows commercial and business banking 10x, and launches a separately licensed digital bank.

• Target ~10% market share across segments, with diversified revenue, lower treasury concentration and growth that preserves efficiency and risk discipline.

• Growth strategy rests on scaling core franchises, building new businesses, technology and operational excellence, and a faster, more accountable culture.

Financial ambition and guidance

• By 2030, target double profitability in EGP terms and sustain ROE above 20%; management described the ROE ambition as a long-term floor in dollar terms.

• Deposits targeted to grow at an average ~18% annually and loans ~20% annually; management described these as supporting the ~10% market-share ambition by cycle end.

• By 2030, fee and commission income targeted above 20% of revenue; core banking activities are expected to provide most income, reducing dependence on treasury earnings.

• Treasury fixed-income income is currently ~60% of revenue, with a target to reduce its share to 40% by 2030; management cited a 10% profit CAGR floor from a 2026 base.

• Valuation ambition: exceed $10 billion and maintain that level well before 2030, alongside USD return on capital above 20%.

Core banking franchises

• Corporate banking aims to triple lending and double deposits by 2030; strategy prioritizes primary-bank relationships, selective client acquisition and lifting average share of wallet from ~20% toward 30%.

• Global Transaction Banking fee income targets growth from EGP 6.7bn to ~EGP 24bn by 2030; planned GTB-related CapEx is $20m-$30m, already embedded in the plan.

• Consumer banking targets doubling Wealth customers from 75,000 to ~150,000 and market share from 8% to 12%; Plus aims to add roughly 1m customers and ~5 percentage points of share by 2030.

• Retail plans prioritize profitable customer acquisition, deeper cross-selling and digitized service; Prime growth will be selective, while Lite servicing shifts to digital-only channels.