5.

porter competitive strategies

1- Low-cost leadership strategy:

Focus on efficiency and cost reduction
2- Differentiation strategy:
Focus on uniqueness
3- Focus strategies:
Achieving either a focused low-cost or a focused differentiation advantage
Within a narrow-focused market

- CIB apply only the differentiation strategy

- Because they aren’t giving the heights interest rate
- But they focused on uniqueness by giving a specialized service

CIB specialized service

1- CIB - Online Banking

View the balances of your accounts, credit cards, deposits, loans, and mutual funds. With CIB's
online banking services, you can stay in control of your finances. Register for e-statement.
Manage CIB Smart Wallet. Manage direct debit. Replace credit/debit card.
 2- CIB prime
The right choice for a better banking experience
CIB Prime offers a banking experience with unique benefits and an array of products and
services tailored for you
- Grow your funds, secure your future
wide range of diverse savings accounts and saving schemes to help you save with CIB!
- Elevate your shopping experience
Earn BONUS points or Miles depending on how you want your rewards. Our BONUS and
Miles Everywhere loyalty programs will give you the perks you need to treat yourself.
- Banking on the go
Control your accounts, cards and funds with CIB's Online Banking platforms and our ATMs.

3- Availability
With over 1,200 ATMs and 200 branches across Egypt, CIB is always a few steps away. We
have equipped you with 24/7 digital services to go about your banking transactions from the
comfort of your home.

4- Certificates of Deposit
Long term savings for long term planners
- Control over your interest payout
You can choose to receive your interest either monthly, quarterly, semi-annually, annual, or
at maturity (end of the term)
- Set up your CD to suit your needs
Interest rates are calculated based on fixed, floating or cumulative options and tenors of 3, 3
(Prime), 3 (Plus), 3 (Premium), 5, 7 or 10 years
- Flexibility to redeem
Partial or full redemption is allowed after six months of issuance for fixed certificates and
after one year for floating
- Take out a loan
You can receive a secured loan worth up to 95% of your CD's value
 - Choose your currency
You can open a CD in EGP, USD or EUR

5- Bridge Finance
Eliminate cash flow gaps that develop during the year with our short-term bridge finance
facilities

6- Liability and Consumer Products

Make your company's day-to-day business easier with our tailored liability products, e-payroll,
staff and wealth benefits, and corporate deposit cards

7- Business Utilities
We offer utilities that streamline your business:
 Designated Focal Points: allocating officers to execute clients' transactions quickly in
coordination with the Bank's different departments and branches
 Special schemes for staff loans