Commercial International Bank Egypt SAE
Commercial International Bank Egypt (CIB) S.A.E. provides retail, corporate, and investment banking services in Egypt. The company operates through Corporate Banking & SME's; Investment; Retail Banking; and Assets and Liabilities Management segments. It offers current and saving accounts, business accounts, time deposits, and certificate of deposits; and personal, educational, solar, travel, car … Read more
Commercial International Bank Egypt SAE (CMGGF) - Net Assets
Latest net assets as of September 2025: $206.92 Billion USD
Based on the latest financial reports, Commercial International Bank Egypt SAE (CMGGF) has net assets worth $206.92 Billion USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.35 Trillion) and total liabilities ($1.14 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $206.92 Billion |
| % of Total Assets | 15.35% |
| Annual Growth Rate | 24.1% |
| 5-Year Change | 154.87% |
| 10-Year Change | 821.57% |
| Growth Volatility | 15.81 |
Commercial International Bank Egypt SAE - Net Assets Trend (2005–2024)
This chart illustrates how Commercial International Bank Egypt SAE's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Commercial International Bank Egypt SAE (2005–2024)
The table below shows the annual net assets of Commercial International Bank Egypt SAE from 2005 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $152.82 Billion | +68.60% |
| 2023-12-31 | $90.64 Billion | +32.64% |
| 2022-12-31 | $68.34 Billion | -1.39% |
| 2021-12-31 | $69.30 Billion | +15.58% |
| 2020-12-31 | $59.96 Billion | +15.57% |
| 2019-12-31 | $51.88 Billion | +51.57% |
| 2018-12-31 | $34.23 Billion | +20.36% |
| 2017-12-31 | $28.44 Billion | +32.23% |
| 2016-12-31 | $21.51 Billion | +29.70% |
| 2015-12-31 | $16.58 Billion | +15.32% |
| 2014-12-31 | $14.38 Billion | +23.03% |
| 2013-12-31 | $11.69 Billion | +8.11% |
| 2012-12-31 | $10.81 Billion | +23.45% |
| 2011-12-31 | $8.76 Billion | +1.68% |
| 2010-12-31 | $8.61 Billion | +21.68% |
| 2009-12-31 | $7.08 Billion | +21.54% |
| 2008-12-31 | $5.82 Billion | +29.27% |
| 2007-12-31 | $4.51 Billion | +33.21% |
| 2006-12-31 | $3.38 Billion | +33.84% |
| 2005-12-31 | $2.53 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Commercial International Bank Egypt SAE's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5679188300000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $56.79 Billion | 37.21% |
| Common Stock | $30.43 Billion | 19.94% |
| Other Components | $65.41 Billion | 42.86% |
| Total Equity | $152.64 Billion | 100.00% |
Commercial International Bank Egypt SAE Competitors by Market Cap
The table below lists competitors of Commercial International Bank Egypt SAE ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shanghai Zhangjiang Hi-Tech Park Development Co Ltd
SHG:600895
|
$4.01 Billion |
|
Keisei Electric Railway Co. Ltd.
PINK:KELRF
|
$4.01 Billion |
|
First Financial Bankshares Inc
NASDAQ:FFIN
|
$4.02 Billion |
|
Shenzhen Everwin Precision Tech
SHE:300115
|
$4.02 Billion |
|
St Joe Company
NYSE:JOE
|
$4.01 Billion |
|
Associated Banc-Corp
NYSE:ASB
|
$4.01 Billion |
|
Onex Corp
PINK:ONEXF
|
$4.01 Billion |
|
ACI Worldwide Inc
NASDAQ:ACIW
|
$4.01 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Commercial International Bank Egypt SAE's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 90,481,393,000 to 152,636,277,000, a change of 62,154,884,000 (68.7%).
- Net income of 55,196,394,000 contributed positively to equity growth.
- Dividend payments of 5,403,796,000 reduced retained earnings.
- New share issuances of 236,570,000 increased equity.
- Other factors increased equity by 12,125,716,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $55.20 Billion | +36.16% |
| Dividends Paid | $5.40 Billion | -3.54% |
| Share Issuances | $236.57 Million | +0.15% |
| Other Changes | $12.13 Billion | +7.94% |
| Total Change | $- | 68.69% |
Book Value vs Market Value Analysis
This analysis compares Commercial International Bank Egypt SAE's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.03x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.71x to 0.03x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | $0.92 | $1.57 | x |
| 2006-12-31 | $1.23 | $1.57 | x |
| 2007-12-31 | $1.63 | $1.57 | x |
| 2008-12-31 | $2.08 | $1.57 | x |
| 2009-12-31 | $2.49 | $1.57 | x |
| 2010-12-31 | $3.01 | $1.57 | x |
| 2011-12-31 | $3.06 | $1.57 | x |
| 2012-12-31 | $3.57 | $1.57 | x |
| 2013-12-31 | $4.06 | $1.57 | x |
| 2014-12-31 | $4.94 | $1.57 | x |
| 2015-12-31 | $5.67 | $1.57 | x |
| 2016-12-31 | $7.28 | $1.57 | x |
| 2017-12-31 | $9.63 | $1.57 | x |
| 2018-12-31 | $11.65 | $1.57 | x |
| 2019-12-31 | $18.02 | $1.57 | x |
| 2020-12-31 | $20.12 | $1.57 | x |
| 2021-12-31 | $23.06 | $1.57 | x |
| 2022-12-31 | $22.51 | $1.57 | x |
| 2023-12-31 | $30.14 | $1.57 | x |
| 2024-12-31 | $49.71 | $1.57 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Commercial International Bank Egypt SAE utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 36.16%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 53.04%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 7.96x
- Recent ROE (36.16%) is above the historical average (24.89%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 24.14% | 42.39% | 0.05x | 12.02x | $357.41 Million |
| 2006 | 25.22% | 27.80% | 0.08x | 11.12x | $513.92 Million |
| 2007 | 28.58% | 30.53% | 0.09x | 10.64x | $836.14 Million |
| 2008 | 23.72% | 27.03% | 0.09x | 9.94x | $792.76 Million |
| 2009 | 24.79% | 51.07% | 0.05x | 9.14x | $1.04 Billion |
| 2010 | 23.59% | 32.78% | 0.08x | 8.80x | $1.16 Billion |
| 2011 | 18.53% | 23.96% | 0.08x | 9.81x | $743.53 Million |
| 2012 | 20.68% | 23.68% | 0.10x | 8.73x | $1.15 Billion |
| 2013 | 22.36% | 22.30% | 0.10x | 9.77x | $1.44 Billion |
| 2014 | 23.20% | 24.17% | 0.10x | 10.04x | $1.89 Billion |
| 2015 | 28.60% | 27.62% | 0.10x | 10.86x | $3.08 Billion |
| 2016 | 28.11% | 28.05% | 0.08x | 12.52x | $3.87 Billion |
| 2017 | 26.43% | 23.41% | 0.11x | 10.37x | $4.67 Billion |
| 2018 | 27.99% | 23.15% | 0.12x | 10.01x | $6.16 Billion |
| 2019 | 22.75% | 25.46% | 0.12x | 7.45x | $6.61 Billion |
| 2020 | 17.21% | 35.97% | 0.07x | 7.19x | $4.29 Billion |
| 2021 | 19.28% | 27.08% | 0.10x | 7.24x | $6.39 Billion |
| 2022 | 23.78% | 26.36% | 0.10x | 9.38x | $9.34 Billion |
| 2023 | 32.75% | 26.68% | 0.13x | 9.23x | $20.59 Billion |
| 2024 | 36.16% | 53.04% | 0.09x | 7.96x | $39.93 Billion |
Industry Comparison
This section compares Commercial International Bank Egypt SAE's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Commercial International Bank Egypt SAE (CMGGF) | $206.92 Billion | 24.14% | 5.52x | $4.01 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |