نبذة عن الأداء المالي

​​
FY 15 Consolidated FY 14 Consolidated

FY 13 Consolidated

​FY 12
Consolidated
​FY 11
Consolidated
 FY 15    ​FY 14 FY 13​ FY 12​​​​​​ ​FY 11 ​FY 10 ​FY 09 ​FY 08 ​FY 07 ​FY 06 ​FY 05
Common Share Information Per Share​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Earning Per Share (EPS) * 3.58 ​3.55 2.67​ 2.42 ​2.43 ​3.00 ​2.63 ​4.89 ​3.73 ​3.64 ​2.77
Dividends (DPS) 0.75 ​1.20 1.00 1.25 ​1.00 ​1.00 ​1.50 ​1.00 ​1.00 ​1.00 ​1.00
Book Value (BV/No of Share) 14.39 16.31 13.46​ 18.94 ​15.03 ​14.59 ​23.75 ​19.25 ​20.93 ​15.59 ​19.44
Share Price (EGP) **
High 
47.4 51.3 45.4 39.8 ​47.4 ​79.49 ​59.7 ​93.4 ​95 ​79 ​63.5
Low 
28.9 ​32.6 27.4 21.1 ​18.5 ​33.75 ​29.5 ​27.87 ​53.61 ​42.11 ​39.91
Closing​​ 
38.1 49.2 32.6 34.6 ​18.7 ​47.4 ​54.68 ​37.2 ​91.77 ​57.87 ​58.68
Shares Outstan​ding (millions)  1,147 908.2 900.2 597.2 ​593.5 ​590.1 ​292.5 ​292.5 ​195 ​195 ​130
Market Capitalization (EGP millions) 43,692 ​44,673 29,330​ 20,646 ​11,098 ​27,973 ​15,994 ​10,881 ​17,895 ​11,285 ​7,628
​​Value Measures ​ ​ ​
Price to Earnings Multiple (P/E)
10.6 13.9 12.2 14.3 ​7.7 ​15.8 ​20.8 ​7.6 ​24.6 ​15.9 ​21.2
Dividend Yield (based on closing share price)1.97% ​2.44% 3.07% 3.62% ​5.35% ​2.11% ​2.74% ​2.69% ​1.09% ​1.73% ​1.70%
Dividend Payout Ratio18.54% ​29.9% 34.4% 33.4% 33.9% ​27.6% ​24.6% ​18.1% ​15.8% ​27.5% ​21.3%
Market Value to Book Value Ratio 2.65 ​3.02 2.42​ 1.83 ​1.24 ​3.25 ​2.30 ​1.93 ​4.38 ​3.71 ​3.02
​​Financial Results (EGP millions)
Net Operating Income 10,222 ​7,741 6,700 ​5,344 ​3,93410,194 ​7,717 6,206 5,108 ​3,837 ​3,727 ​3,173 ​3,200 ​2,288 ​1,741 ​1,450
Impairment charge for Credit Losses - Specific1,682 589 916​ ​610 ​3211682 589​ 916 610 ​321 ​6 ​9 ​346 ​193 ​176 ​197
Non Interest Expense  2,057 1,705 1,608 ​1,653 ​1,5572,057 ​1,705 1,450 1,445 ​1,337 ​1,188 ​1,041 ​950 636 ​668 ​474
Net Profits  4,729 3,741 3,006 ​2,226 ​1,615 4,641 ​3,648 2,615​ 2,203 ​1,749 ​2,141 ​1,784 ​1,615 ​1,233 ​802 ​​610
​​Financial Measures ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Cost: Income  20.40% 22.66% 23.54% ​30.64% ​40.05% 20.45% 22.91%​ 22.89% 28.01% 35.25% 33.11% 32.30% 29.89% 27.14% ​35.65% 27.10%
Return on Average Common Equity (ROAE)***33.43% 31.31% 29.45% ​25.49% 20.86% 32.76% ​30.25% 24.77% 24.18% 22.23% 30.46% 31.18% 34.98% 34.62% ​28.81% 26.24%
Net Interest Margin (NII/average interest earning assets) 5.59% ​5.41% 5.36% 4.74% ​3.71% ​3.62% ​3.81% ​3.54% ​3.12% ​3.06% ​3.50%
Return on Average Assets (ROAA) 2.95% 2.94% 2.93% ​2.51% ​2.03% 2.90% ​2.87% 2.54% 2.47% ​2.20% 3.11% ​2.97% ​3.08% ​2.90% ​2.37% ​2.09%
Regular Workforce Headcount 6,332 5,697 5,490​ ​5,181 ​4,867 5,983​ 5,403​ 5,193​ 4,867 ​4,517 ​4,360 ​4,162 ​3,809 ​3,132 ​2,477 ​2,301
Balance Sheet and Off Balance Sheet Information  (EGP millions)
Cash Resources and Securities (Non. Governmental)  34,808 19,328 16,413 ​16,140 ​18,990 34,097 ​19,430 16,646​ 16,764 ​19,821 ​16,854 ​16,125 ​14,473 ​21,573 ​13,061 ​10,537
Net Loans and Acceptances   56,836 48,804 41,866​ ​41,877 ​41,065 57.211​ 49,398​ 41,970 41,877 ​41,065 ​35,175 ​27,443 ​26,330 ​20,479 ​17,465 ​14,039
Assets  179,500 143,813 113,752​ 93,957 ​85,506 179,193​ 143,647 113,752​ 94,405 ​85,628 ​75,093 ​64,063 ​57,128 ​47,664 ​37,442 ​30,390
Due to Customers 155,234 121,975 96,846​ ​78,729 ​71,468 155,370​ 122,245 96,940​ 78,835 ​71,574 ​63,480 ​54,843 ​48,938 ​39,515 ​31,600 ​24,870
Common Shareholders Equity 16,535 14,754
11,960 ​10,765 ​8,712 16,512 14,816 12,115​ 11,311 ​8,921 ​8,609 ​6,946 ​5,631 ​4,081 ​3,040 ​2,527
Average Assets 161,657 128,783 103,854​ ​89,731 ​80,480 161,420​ 128,700 104,079 90,017 ​80,361 ​69,578 ​60,595 ​52,396 ​42,543 ​33,906 ​29,183
Average Interest Earning Assets 146,033 117,031 94,749​ ​80,063 ​70,913 145,835​ 117,133 94,605​ 79,834 ​70,549 ​61,624 ​53,431 ​44,602 ​36,603 ​29,227 ​25,619
Average Common Shareholders Equity 15,645 13,357 11,362​ ​9,738 ​8,640 15,664​ ​13,465 11,713 10,116 ​8,765 ​7,777 ​6,288 ​4,856 ​3,560 ​2,784 ​2,325
Balance Sheet Quality Measures ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Equity to Risk-Weighted Assets***15.73% 15.77% 15.28% 14.88% ​14.11% 15.70% 15.84% 15.50% 15.69% 14.49% 15.85% 15.34% 13.93% 13.60% 11.69% 11.49%
Risk-Weighted Assets (EGP billions)96 84 70 ​65 ​55 96 84​ 70 65 ​55 ​49 ​41 ​37 ​30 ​26 ​22
Tier 1 Capital Ratio**** 15.18% 15.70% 15.23% ​14.33% ​12.53% 15.18% 15.70% 15.23%​ 14.33% 12.53% 15.66% 15.28% 13.74% ​0.17% ​9.59% ​9.78%
Adjusted Capital Adequacy Ratio***** 16.23% 16.77% 16.32% ​15.71% ​15.40% 16.23% ​16.77% 16.32% 15.71% 15.40% 16.92% 16.53% 14.99% 14.70% 13.60% 13.10%

* Based on net profit available to distribution (after deducting staff profit share and board bonus)

** Unadjusted to stock dividends

***Total Equity After Profit Appropriation

****Total Assets After Profit Appropriation

*****2014,2013 and 2012 as per Basel II regulations after profit appropriation