To reflect its increasing strategic significance, Global Transaction Banking (GTB) was incorporated into Institutional Banking in December 2023. This integration enables GTB to manage its products end-to-end, enhancing its impact on the Bank’s financial performance while supporting both the Institutional and Business Banking segments.

Despite a challenging macroeconomic environment, CIB’s Corporate Banking and Global Corporate Relations (GCR) Groups continued to generate strong portfolio growth in FY25, supported by their extensive market presence and deep client insights. Both Groups delivered robust performance, playing a key role in the continued expansion of the Bank’s loan portfolio.

Amid persistent economic headwinds and rising interest rates both locally and globally, the Debt Capital Markets (DCM) team continued to achieve solid results, sustaining its leading position within the debt capital markets landscape.

The Financial Institutions Group (FIG) oversees four business segments: Correspondent Banking, Cash and Cross-Border Clearing, NBFIs, and Development Finance. Serving as the Bank’s central interface with financial institutions, FIG manages and develops CIB’s relationships with banks and non-bank financial entities worldwide.

The Treasury Group (TG) acts as the Bank’s central authority for pricing foreign exchange and interest rate products. Its mandate includes managing FX trading and hedging activities, overseeing fixed income and money market operations, trading sovereign debt instruments, monitoring interest rate gaps, and determining pricing for both local and foreign currency deposits.

The EGR department serves large-scale enterprises alongside governmental and sovereign institutions through a comprehensive portfolio of banking services. These solutions, which include cash management, trade finance, and secured lending, are designed to meet the distinct needs of each client.

The Direct Investment Group (DIG), which serves as CIB’s investment arm, is responsible for executing direct equity investment transactions. The Group targets private companies with strong growth potential, identified through well-defined business models, capable management teams, aligned shareholder interests, and solid underlying fundamentals.

The Strategic Relations Group (SRG) operates whithin CIB’s Institutional Banking division and focuses on establishing, strengthening, and expanding relationships with key institutional depositors who play a vital role in supporting the Bank’s stable funding base.

In 2025, CIB’s Retail Banking division recorded significant achievements, supported by a focused strategy centered on customer segmentation and service excellence. The division introduced tailored financial solutions to address the diverse needs of its customers, while implementing segment-specific strategies that fostered strategic partnerships and strengthened customer engagement.

CIB has adopted a strategic customer segmentation approach to better address the diverse needs of its client base, with a focus on delivering tailored financial solutions. Through personalized savings products and services, the Bank seeks to meet the unique requirements of each segment, reinforcing its customer-centric philosophy and strengthening its overall value proposition.

In 2025, the Bank’s mutual funds portfolio recorded strong growth within the investment products division, reflecting its continued commitment to creating value for customers and stakeholders. The diversified portfolio, spanning money market, fixed-income, equity, balanced, and capital-protected funds, saw a notable increase in assets under management.

CIB’s Insurance business delivered a strong and resilient performance in 2025, closing the year with a total insurance volume of EGP2.2 billion across life, health, and non-life products — a notable increase from EGP 1.5 billion in 2024.

During 2025, the Consumer Lending team continued to navigate a challenging macroeconomic environment. Net interest income and operating income increased by 44% and 63%, respectively, compared to the same period last year. As a result, the business’s total gross contribution rose by 193% over the same period.

CIB’s Cards business delivered strong growth and innovation in 2025, reflecting the Bank’s ongoing focus on advancing product development, strengthening digital payments, and optimizing operational processes.

In 2025, CIB’s Mortgage business recorded strong growth, with Earning Net Receivables (ENR) increasing from EGP 5.7 billion in 2024 to EGP 7.9 billion in 2025. This year-on-year expansion was driven by strategic partnerships, customer-focused initiatives, and disciplined portfolio management. A key contributor to this performance was the strengthened collaboration with the Social Housing and Mortgage Finance Fund (SHMFF), which supported the expansion of the low-income customer segment while also accelerating growth within the middle-income segment.

Business Banking has built a well-established cash and trade management business, growing the client base by 7% y-o-y to more than 91.8K companies. The segment recorded EGP 116 billion in deposits, while trade rose to EGP 88.5 billion, with compounded growth of 29% and 27%, respectively over the past five years. Operating profit came in at EGP 12.3 billion while gross profit reached EGP 8.2 billion reflecting y-o-y growth of 29% and 19%, respectively. On the payment solution side, the division processed EGP 139 billion in transactions.

CIB’s online banking platforms have become the primary channels for customer transactions, supported by a notable increase in usage and penetration rates. As of December 2025, the online banking customer base grew by 19% y-o-y, achieving the highest activity rate recorded to date. Mobile banking transactions saw an even greater surge, marking a substantial rise.

In alignment with the Central Bank of Egypt’s 2020 initiative to establish dedicated Financial Inclusion divisions across the banking sector to better serve unbanked and underserved communities, CIB launched its Financial Inclusion division. The division is focused on expanding access to financial services while creating shareholder value, delivering positive returns on equity (ROE), and promoting inclusive, community-oriented financial solutions.