Thursday 12/February/2026 – 12:46 PM
Hisham Ezz Al-Arab, CEO and member of the Executive Board of Directors of the Commercial International Bank – Egypt, confirmed (CIBAbout 40% of the growth rate of the bank’s loan portfolio during the year 2025 was directed to financing capital investments (Capex), in a clear indication of the return of corporate confidence and the resumption of production expansion plans.
Hisham Ezz Al-Arab: 40% of the growth of CIB’s loan portfolio during 2025 is allocated to capital investments
Ezz Al-Arab explained during television statements that this transformation reflects a qualitative change in the structure of demand for credit, as financing is no longer limited to working capital needs, but has increasingly moved towards financing production expansions and long-term investments, which reflects the improvement of the business climate and the stability of economic policies.
He added that the bank aims to maintain a loan-to-deposit ratio in Egyptian pounds of approximately 70%, and the ratio has currently reached about 71%, which reflects the effective use of deposits without violating regulatory requirements and approved liquidity ratios, and allows for a sustainable expansion of the loan portfolio in a way that supports economic activity and enhances the bank’s financial position.
Regarding the dollar portfolio, Ezz Al-Arab indicated that the ratio of loans to deposits in dollars is only about 31%, compared to the target level that the bank sees at 60%, stressing that this reflects a conservative approach in managing liquidity in foreign currency, with clear room for growth during the coming period.
He added: “Gradually raising the loan-to-deposit ratio to levels between 55 and 60% will put us in a comfortable position without liquidity pressures or imbalances in the budget structure.”
Regarding the bank’s philosophy, Ezz Al-Arab stressed that success is not measured by numbers only, but by societal and economic impact, noting that 85% of CIB’s services are performed digitally, and that the digital bank represents a platform for regional expansion in the coming years. He also stressed the bank’s role in society through the CIB Foundation, which has contributed to treating more than 8 million children since its founding, which reflects the bank’s commitment to achieving real value that goes beyond financial performance.
Ezz Al-Arab concluded by stressing that the bank seeks to achieve natural and sustainable growth while maintaining a careful balance between expansion and risk management, which enhances its ability to continue providing distinguished banking services in the coming years.
