This document is the property of CIB and it may contain confidential information solely for use as an investor presentation.

1

Disclaimer This document is the property of CIB and it may contain confidential information solely for use as an investor presentation. It must be treated confidentially by attendees at such presentation and should not be reproduced, redistributed or passed to any other person. The information contained in this presentation may contain certain projections and forward looking statements that reflect the bank s current views with respect to future events and financial performance. These views are based on current assumptions which are subject to various risks and thus may change over time. No assurance can be given that future events will occur, that projections will be achieved, or that the bank s assumptions are correct. Actual results may differ materially from those projected. None of the statements contained in this presentation is to be relied upon as a statement or representation of fact. All parties must satisfy themselves as to the correctness of each of the statements contained in this presentation. This document is provided for informational purposes only. It is not an offer to buy or sell, or a solicitation to buy or sell CIB s shares. Readers should take into account factors of uncertainty and risk when basing their investment decisions on information provided in this document. 2

Table of Contents Macro-Environment About CIB Corporate Governance Financial Highlights Consumer Banking Snapshot CIB Strategy Summary and Conclusion 3

Egypt Fact Sheet Population: 88.5mn¹ Median age: 25² Private consumption/gdp: 84.77%** Public consumption/gdp: 10.88%** Labor force/population: 32.6%* Unemployment rate:12.90%¹(2014) Current A/C balance: $-2,857.3*** Net International reserve: $15.3bn (March 2015) LT external debt: $38bn*** ST external debt: $3.32bn*** c.80% of debt is in local currency, held by public sector Total bank lending facilities/gdp: 56.01%**** Loans/Deposits: 40% Corporate loans/gdp: 42.17%***** Nominal GDP: EGP 580,005mn** Historical GDP growth: 4.36%³ (2005/2014CAGR) GDP/Capita: $10,877³ (2014) Household debt/gdp: 13.83%***** ¹ CAPMAS ² CIA, World Fact Book ³ IMF, WEO Database, October 2014 * Preliminary figure ** Figures as of July/September 2014/2015 *** Figure as of Q2 2014/2015 **** GDP at market price Source: CBE 5

Egypt Fact Sheet (Cont d) Diversified as % of GDP¹ Favorable Demographics² 4.84% 6.14% 0.30% 2.75% 3.40% 1.21% 3.91% 3.96% 27.85% 18,000,000 16,000,000 14,000,000 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 9.45% 14.06% 9.61% 9.66% Industrial Agriculture Mining Trade Governmnet Construction Gross Exports Remittances Transportation Tourism Financial Services Suez Canal FDI 0 0-14 years 32.1% 15-24 years 17.8% 25-54 years 38.4% 55-64 years 6.7% Over 65 years 4.8% 0-14 yrs 15-24 yrs 25-54 yrs 55-64 yrs 65 yrs + Males Females Egypt is the most populous country in the ME, the 3 rd most populous in Africa The production age totals to about half of the total population Over 85% of the population is below 55 years ¹ CBE, Figures as of July/September 2014/2015 ² CIA, World Fact Book 6

Macroeconomics Snapshot Reform-led boom 8.0% 7.0% 7.1% 7.2% Global financial crisis 6.0% 5.0% 4.7% 5.1% Post-uprising turmoil 5.5% 4.0% 3.0% 2.0% 1.0% 1.9% 2.2% 2.1% 1.1% 3.0% 0.0% 06/07 07/08 08/09 09/10 10/11 11/12 12/13 H1 13/14 H2 13/14 H1 14/15 GDP Growth (%) 25% 21.5% Inflation (%) 16,000 13,237 FDI (USD mn) 20% 12,000 11,053 15% 10% 9.3% 11.4% 11.0% 8.2% 6.20% 11.66% 10.13% 11.51% 8,000 8,113 6,758 3,982 5,184 4,119 ** 5,466 5% 4,000 2,189 0% 06/07 07/08 08/09 09/10 10/11 11/12 12/13 13/14 March 2015 0 06/07 07/08 08/09 09/10 10/11 11/12 12/13 13/14 14/15 ¹ GDP at Factor Cost ** 14/15: Q1 + Q2 Annualized 7

Prospects for Egyptian Economy New Suez Canal New Cairo Administrative Capital Development Passage, in Western Desert parallel to the Nile Valley Golden Triangle in the South North Coast development plan Mega Projects General Reforms Fuel subsidies Corporate tax Investment law CBE new mechanism for FCY repatriation Mobile financial services Mortgage lending Micro Finance Attracting retail into banks (c.90% of adult population unbanked) Unveiling opportunities with SMEs Initiative to pay government employees via debit cards Integration of grey economy Financial Inclusion Ongoing Investments Egypt Economic Development Conference EGYPT THE FUTURE ;* USD 33bn investment projects USD 92bn MOU USD 12.5bn grants and loans** Main sectors: power, real estate and oil and gas * Source of figures: State Information Service, Press reports, Bank of America Merrill Lynch Global Research ** Gulf countries; Saudi Arabia, UAE and Kuwait USD 4bn each, Oman USD 500mn 8

Egypt Safe haven for investments Broad, and increasing, local customer base Proximity to international markets Major investment opportunities Improved ease of doing business Low labor costs Egypt provides Large market share 9

Challenges Facing Egypt Slow improvement in standards of living 1 UNDP Human Development Index: Score of 0.682, ranking 110/187 in 2013 Low quality health care services 1 4.9 % of GDP spent on health care services in 2011 Lack of educational reforms 1 3.8% of GDP spent on education in 2012 Ease of doing business index 2 Ranked 112/189 Budget deficit 3 12.6% of GDP in FY 2013/2014 Competitiveness index 4 Ranked 119/142 ¹ UNDP, Human Development Reports 2014 ² World Bank, Ease of Doing Business 2015 ³ IIF Egypt Report, November 2014 4 World Economic Forum s Competitiveness Index 2014-2015 10

Egyptian Banking Sector Snapshot Total Loans Total Deposits Loans to Deposits ratio 1,616 344 382 399 427 464 471 503 545 584 652 571 658 756 820 900 965 1,027 1,191 1,433 60% 58% 53% 52% 52% 49% 49% 46% 41% 40% 05/06 06/07 07/08 08/09 09/10 10/11 11/12 12/13 13/14 Feb-15 Total loans (EGP bn) 05/06 06/07 07/08 08/09 09/10 10/11 11/12 12/13 13/14 Feb-15 Total deposits (EGP bn) 05/06 06/07 07/08 08/09 09/10 10/11 11/12 12/13 13/14 Feb-15 loans to deposits ratio Total # of credit cards (000) Total # of branches Total # of POS Total # of ATMs 2009/2010 2010/2011 2011/2012 2012/2013 2013/2014 Dec-14 14,525 8,395 1,680 2,458 10,636 1,738 2,334 13,910 1,790 2,100 11,193 12,677 2009/2010 2010/2011 2011/2012 2012/2013 2013/2014 Dec-14 3,712 3,743 3,651 3,502 3,610 3,573 2009/2010 2010/2011 2011/2012 2012/2013 2013/2014 Dec-14 50,808 33,953 32,911 51,384 40,046 45,716 2009/2010 2010/2011 2011/2012 2012/2013 2013/2014 Dec-14 4,507 7,290 4,953 6,870 5,489 6,283 Total # of debit cards (000) * Currently, there s a total of 40 banks in Egypt after adding the Arab International Bank (AIB) to the Register of Banks to fall under the supervision of the CBE Source: CBE 11

40 years of Sustainable Growth and counting Chase National established First Egyptian Bank IPO raising US$ 115M; 150% oversubscribed First International Rating by S&P and Fitch: BBB- Consortium led by Ripplewood; acquired NBE 19% Stake Ripplewood led consortium divested half of its holdings in CIB to Actis Actis Sold 2.6% in open market in March 1975 1987 1993 1996 1998 2006 2009 2014 Chase Divestiture: Renamed CIB First GDR US$ 120M 22.2% of share capital Strategic subsidiaries established to complement our core business RW sold its remaining stake in CIB, marking transition of strategic partnership to Actis Actis Sold remaining 6.5% to Fairfax Financial Holdings Ltd Fairfax in May 13

14

Business Segments Institutional Banking Consumer Banking CI Capital Description Market leader Prime contributor to profitability The take-off for a world class consumer banking franchise Full-fledged Investment Bank wholly owned by CIB Focus on Large Corporates including MNCs, Institutions and Banks as well as Transactional Banking Services Retail customers (with special focus on Wealth and Plus segments and SMEs) Customers Loans 59,811 81.65% 627,613 18.35% Equities Research Securities Brokerage Asset Management Investment Banking Contribution to* Deposits 28.63% 71.37% * Based on Managerial Accounting 15

16

Share Information CIB s Stock is listed in the Egyptian Stock Exchange, London Stock Exchange and traded in New York Stock Exchange Share Information* CIB Stock Info.* Shares outstanding** 908,173,443 Par value EGP 10.00 GDR Ratio 1:1 Last 52 weeks Hi EGP 58.38 Last 52 weeks Lo EGP 35.10 EGP 2011 2012 2013 2014 YTD 2015 Market Cap. 11,115mn 11,257mn 21,839mn 44,673mn 51,626mn Avg. Daily Liquidity 24.35mn 29.78mn 21.83mn 91.02mn 55.86mn Av. Daily Volume 1.30mn 1.58mn 0.90mn 2.20mn 1.05mn Avg. Daily Price 18.73 18.85 24.26 41.30 53.20 350 300 250 200 150 100 50 CIB Stock Activity* 0 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 CIB Index * Normalized after stock split as of 5/12/2013 **Share outstanding have been increased to 917,648,237 on 5/4/2015 for the 6 th tranche of ESOP As of 11/5/2015 Source: Bloomberg EGX30 Index 17

Shareholding Structure Free Float Breakdown by region 6.76% 6.11% 4.92% 13.70% 42.98% 14.71% 93.24% 17.59% North America GCC Continental Europe Africa UK & Ireland Rest of the World Free Float Breakdown by category Free Float 12.68% Fairfax Financial Holdings Ltd ( Fairfax )* 87.32% * Several wholly owned subsidiaries of Fairfax Financial Holdings Ltd ( Fairfax ) %s represents ordinary shares Individuals Institutions 18

Funding Overview Funding Structure Customers Deposits Mix 3.89% 0.29% 0.15% 17.80% 3.62% 28.35% 94.91% 23.50% 26.73% Due to Customers Due to Banks Other Liabilities Long-Term Loans Demand TDs CDs Savings Other Deposits CIB s funding structure has no wholesale funds 19

Business Continuity Management Leader in implementing international standards and best practices Set a unique model within the Egyptian financial sector in Business Continuity field Overview Initiatives High availability Established in 2010; ahead of all major players in the market Active-active data center Award winner of Business Continuity Team of the Year 2015 from DRII During 2014 2015, was nominated 7 times for global and regional Business continuity excellence awards from 2 of the most reputed institutes worldwide Re-establishment of alternate sites 20

Corporate Governance Commitment to Corporate Governance An issue that rates high on our list of priorities CIB was the first Egyptian corporation to establish an Audit Committee in 1998 CIB s commitment to maintaining the highest standards of corporate governance is supported by several mandates, including: Segregation of role of Executive Management and Board of Directors Internal policies and manuals covering all business aspects Highly skilled Investor Relations Team When a board seat becomes vacant, the Governance Committee is responsible for nominating a new member Importance of Corporate Governance It has been demonstrated over and over that effective corporate governance in banks not only Enhances investor confidence in the Bank and Provides it with a competitive advantage to attract domestic and foreign capital but also Helps in withstanding economic downturns We take pride in our strong corporate governance structures which include: Experienced team of professional executive directors and senior management Distinguished group of non-executive directors Competent board committees 22

Board of Directors Audit Committee Corporate Governance & Compensation Committee Operations & IT Committee High Lending & Investment Committee Management Committee Risk Committee 8 committees Assist in fulfilling its responsibilities The Board and each of its committees are governed by welldefined charters that sets out its responsibilities and composition requirements CIB s Board consists of 8 members, 7 of which are Non-Executive with a wide range of industry expertise CIB s highly qualified Board of Directors is supported by internal and external auditors Board of Directors Role sets values, strategy and key policies Role pursuing and maintaining everlasting success Sustainability Advisory Board Affiliates Committee Focuses on long-term financial returns Focuses on best interest of CIB s stakeholders 23

24

Performance Snapshot :31 March 2015 Total Assets Net Loans Customer Deposits Shareholders Equity EGP 157,813mn Year-End 2014: EGP 143,813mn; 9.73% YTD EGP 53,098mn Year-End 2014: EGP 48,804mn; 8.80% YTD EGP mn 136,017mn Year-End 2014: EGP 121,975mn; 11.51% YTD EGP 14,508mn Year-End 2014: EGP 14,803mn; 1.99% YTD Revenues NPAT NPLs/Gross Loans* CAR EGP 2,584mn Q1 2014: EGP 1,756 mn; 47.15% YoY EGP 1,108mn Q1 2014: EGP 805mn; 37.62% YoY 3.64% Q1 2014 4.56%; 20.18% YoY 16.54% Q1 2014 : 16.45%; 0.55% YoY ROAE** ROAA** Cost/Income*** Net Interest Margin* 32.06% Q1 2014: 28.52%; 12.43% YoY 2.95% Q1 2014: 2.77%; 6.72% YoY 20.22% Q1 2014: 23.41%; -13.63% YoY 5.61% Q1 2014: 5.38% 4.16% YoY * Ratios on a standalone basis ** Ratio after appropriation *** Lowest cost/income ratio in the last 5 years Figures are on a consolidated basis unless otherwise stated 26

Funded and Unfunded Income NII vs. NIR Contribution to NIR 28.19% 9.16% 1.32% 2.12% 22.49% 71.81% 64.91% Non-interest Revenue Net Interest Income Net fee and commision income Profits (losses) from financial investments Net Trading income Bank's share in the profits of associates 27

Performance Summary: last 10 years 2.09% 2.52% 3.03% 2.62% 2.89% 2.92% 2.03% 2.51% 30,389 37,553 47,906 57,462 64,255 75,425 85,506 93,957 2.93% 2.94% 113,752 143,813 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Total Assets (EGP mn) ROAA%** 56% 56% 55% 57% 52% 54% 53% 50% 122.0 43% 40% 96.8 78.7 71.5 63.4 48.9 54.8 39.5 31.6 24.9 17.5 20.5 26.3 27.4 35.2 41.1 41.9 41.8 48.8 14.0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Net Loans (EGP bn) Deposits (EGP bn) Net Loans/Deposits 26.2% 30.3% 610 853 35.5% 29.0% 29.9% 28.7% 1,286 1,370 1,744 2,020 20.9% 1,615 25.5% 2,226 29.5% 3,006 31.3% 3,741 38.4% 39.7% 37.0% 39.5% 32.7% 30.2% 32.3% 30.6% 26.5% 22.7% 13.1% 13.6% 14.7% 15.0% 16.5% 16.9% 15.4% 15.7% 16.3% 16.8% 5.6% 3.8% 3.0% 3.0% 2.9% 2.7% 2.9% 3.6% 4.0% 4.7% 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Net Income (EGP mn) ROAE%** 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 CAR** NPLs/Gross Loans* Cost:income Branches & Outlets 100 119 131 152 155 153 154 156 152 160 Headcount 2,301 2,477 3,508 4,014 4,426 4,750 4,845 5,181 5,490 5,697 Years 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Starting 2009, CIB used IFRS * Figure on a standalone basis ** Ratio after appropriation Figures are on a consolidated basis unless otherwise stated 28

Peer Analysis Yearend 2014 200 150 100 50 EGP bn 144 102 Total Assets 79 64 44 31 4,000 EGP mn 3,000 2,000 1,000 3,648 2,199 Net Income 1,767 1,195 724 682 80% 60% 40% 20% 63.87% Gross Loans to Deposits 59.00% 50.08% 48.96% 43.94% 37.69% 0 CIB QNBA AAIB HSBC Alex CAE 0 CIB QNBA HSBC AAIB Alex CAE 0% Alex QNBA AAIB CAE CIB HSBC 50% 40% 30% 20% 10% 40.80% ROAE* 30.25% 28.82% 20.66% 18.14% 16.25% 4% 3% 2% 1% 2.94% 2.87% ROAA* 2.41% 2.32% 1.72% 1.68% 10% 8% 6% 4% 2% 8.02% 7.09% 5.52% 4.49% 3.80% Loans Market Share 8.77% 8.58% 8.28% 8.54% 7.41% 8.03% 7.65% 7.41% 4.53% 4.53% 4.44% 4.35% 4.65% 5.11% 4.09% 3.71% 4.10% 3.93% 3.62% 3.28% 2.41% 2.41% 2.58% 2.28% 2.07% 0% HSBC CIB CAE QNBA Alex AAIB 0% HSBC CIB QNBA CAE Alex AAIB 0% Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 CIB QNBA AAIB 24% 20% 16% 12% 8% 4% 0% Capital Adequacy* 19.89% 18.68% 16.77% 16.31% 15.78% 15.57% AAIB QNBA CIB HSBC Alex CAE 60% 45% 30% 15% 0% Cost to Income 50.55% 40.09% 26.44% 28.28% 29.10% 22.09% CIB AAIB QNBA HSBC CAE Alex 10% 8% 6% 4% 2% 0% Deposits Market Share 6.67% 7.23% 7.23% 7.37% 7.84% 5.26% 5.23% 4.92% 5.14% 5.49% 4.18% 4.26% 4.33% 3.75% 3.78% 3.35% 3.46% 4.11% 3.50% 3.51% 2.90% 3.11% 3.07% 2.58% 2.35% 2.21% 1.71% 2.05% 2.09% 1.86% Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 CIB QNBA HSBC Figures as of December 2014 * Figures after 2014 profit appropriation. based on proposed appropriation disclosed in peers financial statements 29

Market Share Trend 10.00% 9.00% 8.00% 7.00% 6.00% 7.04% 7.22% 7.58% 6.66% 6.62% 6.56% 8.77% 8.02% 8.10% 8.24% 8.30% 7.14% 7.23% 6.89% 6.98% 6.67% 8.47% 8.45% 8.52% 8.58% 8.52% 7.39% 7.48% 7.48% 7.51% 7.23% 8.32% 8.25% 8.28% 8.27% 7.67% 7.65% 7.56% 7.37% 8.43% 7.75% 8.45% 8.41% 7.91% 7.84% 5.00% Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-1 Total Loans Total Deposits Loans CIB maintained the highest loan market share of all private-sector banks Deposits CIB maintained its leading position amongst all private-sector banks February 2015 8.69% February 2015 8.13% CIB s loans market share from performing loans is significantly higher 30

Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Market Share Breakdown Loans Deposits 15.00% 15.00% 10.00% 10.00% 5.00% 5.00% 0.00% 0.00% LCY FCY LCY FCY Loans Deposits 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% Household Institutions Household Institutions Loans* Deposits* LCY 7.44% FCY 11.29% LCY 7.49% FCY 10.49% Household 5.74% Intuitions 9.66% Household 7.02% Institutions 10.11% * As of February 2015 31

EGPbn Assets Portfolio Growth Assets Assets Mix 12 10 8 6 4 2 3.91 5.17 6.66 7.18 6.70bn 28%* 7.96 8.90 9.48 9.47 10.61 100% 75% 50% 25% 17% 13% 10% 9% 8% 7% 5% 4% 7% 10% 10% 10% 10% 9% 11% 10% 10% 10% 8% 7% 6% 7% 7% 6% 12% 10% 14% 27% 27% 28% 29% 25% 26% 30% 31% 26% 46% 49% 49% 50% 53% 51% 31% 36% 40% 0 FY10 FY11 FY12 FY13 1Q14 2Q14 3Q14 4Q14 1Q15 0% FY10 FY11 FY12 FY13 1Q14 2Q14 3Q14 4Q14 1Q15 Balance PIL OD Auto Cards Others In Millions FY 2010 FY 2011 FY 2012 FY 2013 1Q14 2Q14 3Q14 4Q14 1Q15 Balance 3,915 5,175 6,664 7,182 7,962 8,904 9,480 9,470 10,613 * CAGR over 4 years 33

Assets By Segment YoY Performance QoQ Performance Wealth Segment 6,000 4,000 2,000 3,954 4,764 5,000 4,500 4,336 4,764 - Mar-14 Mar-15 4,000 Dec-14 Mar-15 Business Banking 1,500 1,000 500 687 1,367 1,500 1,000 500 993 1,367 0 Mar-14 Mar-15 0 Dec-14 Mar-15 600 472 547 600 529 547 Plus Segment 400 200 400 200 - Mar-14 Mar-15 0 Dec-14 Mar-15 34

Falls under CIB s Consumer Banking umbrella Business Banking profile Manages financial needs of small and medium size retail companies with annual sales turnover below EGP 60mn Launched in 2011 (pilot basis) Aggressively introduced to the market in 2013 Went live in 2012 Customer Segmentation Currently has penetration of over 4k companies Business Approach STO 30-60M High-End Companies High-End Tailor made products Strategic relationship management Senior Relationship Manager (RM) STO 5-30M Small & Medium Companies SMEs Mass customization approach Pre-approved industry based packages Relationship Manager STO <5M Very small Companies Micro Assembly line approach Alternative channels & e-solutions Self-served 35

Business Banking Performance Business Banking model has proved its success when compared to the Retail Banking approach in terms of overall performance Number of companies Total deposits 14% 37% 86% 63% Retail Business Banking Retail Business Banking Revenue Gross Contribution 28% 25% 72% 75% Retail Business Banking Retail Business Banking 36

Customer Experience Committed to continue meeting our customers expectations, maintaining customer satisfaction levels and dealing proactively with the challenges faced and focus on enhancing our employees capabilities in dealing with these challenges Measuring customers satisfaction levels compared to the regional benchmarks 80 60 40 20 0-20 Net Promoter Score surveys (NPS) 61 57 40 15 18 Corporate segment Plus Segment Wealth Segment -6 CIB overall NPS score YoY points change NPS survey CIB NPS Index Regional Index Corporate segment 40 30 Plus segment 61 35-40 Wealth segment 57 35-40 100% 95% 90% 85% Mystery shopping surveys 95% 90% Branches Call center Average scores (more than) Net Promoter Score (NPS) Surveys conducted by CIB research team Mystery shopping surveys for customer contact points conducted by an external agency All scores were recorded during Q1 2015 37

Vision realization Where do we stand? Way forward Financial Performance Drivers Quality loan growth, with focus on increasing product penetration and SoW Aggressive deposit growth, specially from households Transactional banking services Positioned as trade finance hub for Egypt Focus on SMEs & underpenetrated retail banking segment Capture the pent-up CAPEX and investments inflow Customer Centricity Adopting a customer relationship model Started offering bundled financial solutions Undertaking several service quality initiatives to improve customer satisfaction Further granular segmentation Deepen understanding of customer behavior through data analytics Client life cycle management and development of need-based bundled value propositions Operational Efficiency Centralization of Operations Increasing the automation of processes Core system stabilization Focus on operational efficiency and productivity gains Digitize banking experience and work towards straight through processing Organizational Development Performance driven culture Focus on learning and development Adoption of corporate governance best practices and solid CSR strategy Establishing a social and environmental management system Become Egypt s number 1 Green Bank Development in human capital and alignment to accommodate with the digital transformation 39

e-channels and Digital Banking Domain Initiatives Performance Introducing Mobile Banking 100.0% 99.5% 99.0% 99.4% 99.6% 98.6% 98.5% Introducing Mobile Wallet and e-payments Revamping IVR 98.0% Jan-15 Feb-15 Mar-15 Internet Banking Availability Launching phase II of Internet Banking Piloting Mobile POS 98.0% 96.0% 94.0% 92.0% 91.2% 96% 96% 91.9% 94.3% 97% Increasing CIB Social Media presence 90.0% 88.0% Jan-15 Feb-15 Mar-15 ATM Network Availability ATM Network Availability (Excluding Communication Errors) 40

42

Why Egypt? Political Situation Building new political structure to fulfill the dreams of all Egyptians General improved optimism about the political future in Egypt Moving to a more open political system Economic Environment Among the most diverse in the MENA region Started transformation to a stable and modern economy A pro-business Government Initiation of mega-projects; New Suez Canal The resilience of Egyptian Economy is capable of overcoming challenges as it did in 2008 financial crisis Banking sector possesses high structural profitability and remains intact Robust banking reform program Phase I (2005-2008): successfully completed Phase II (2009-2011):improving the regulatory environment, adopting Basel II and increased focus on corporate governance and limit concentrated risk exposure and proprietary investment Phase III (2011-2012): Finalized the fine tuning of the regulations Phase IV (Ongoing): Parallel run of existing regulations on capital adequacy and Basel II and finalizing the data warehousing framework 43

Why CIB? Along with its subsidiaries and Affiliates The only onestop shop Profitability Market leader NPAT EGP 1bn Total revenues EGP 2.6bn Assets grew 17.5% from 2009 till 2014 Continuous Growth Asset Quality NPL/Gross loans 3.64%* Direct Coverage Ratio 171%* Highly reputable among all banks in Egypt Strongest brand equity in market Liquidity High liquidity Gross LDR 42.3% Highly skilled group leading the Bank Experienced management team KPIs ROAA 2.95%** ROAE 32.06%** Cost/income 20.22% Acted as a cushion during unstable times Conservative provisioning policies Largest in Prudent credit policies Reflected in no deterioration in asset quality * Ratio on a standalone basis ** Ratio after appropriation ***Market cap as of 31/03/2015 Based on a consolidated basis Total Assets EGP 158bn Loans and deposits market shares Market Cap was EGP 51.1bn in private banks*** 44

Thank you For more information, please visit www.cibeg.com Investor Relations contacts: Sherif Khalil Head of IR Sherif.khalil@cibeg.com Yasmine Hemeda IR Officer Yasmine.Hemeda@cibeg.com Nelly El Zeneiny IR Senior Analyst Nelly.elzeneiny@cibeg.com Headquarters: Nile Tower Building 21/23 Charles De Gaulle St., Giza P.O Box 2430 Cairo Egypt Hot line: 19666 24/7 dedicated customer service short number To read about the projects that the CIB Foundation has helped support and ways in which you can donate, please visit www.cibfoundationegypt.org 45