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Financial Highlights


FY 15 ConsolidatedFY 14 Consolidated

FY 13 Consolidated

​FY 12
Consolidated
​FY 11
Consolidated
 FY 15   ​FY 14FY 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​3.552.67​ 2.42​2.43​3.00​2.63​4.89​3.73​3.64​2.77
Dividends (DPS) 0.75​1.201.001.25​1.00​1.00​1.50​1.00​1.00​1.00​1.00
Book Value (BV/No of Share)14.3916.3113.46​ 18.94​15.03​14.59​23.75​19.25​20.93​15.59​19.44
Share Price (EGP) **
High 
47.451.345.439.8​47.4​79.49​59.7​93.4​95​79​63.5
Low 
28.9​32.627.421.1​18.5​33.75​29.5​27.87​53.61​42.11​39.91
Closing​​ 
38.149.232.634.6​18.7​47.4​54.68​37.2​91.77​57.87​58.68
Shares Outstan​ding (millions)  1,147908.2900.2597.2​593.5​590.1​292.5​292.5​195​195​130
Market Capitalization (EGP millions)43,692​44,67329,330​ 20,646​11,098​27,973​15,994​10,881​17,895​11,285​7,628
​​Value Measures ​ ​ ​
Price to Earnings Multiple (P/E)
10.613.912.214.3​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 Ratio2.65​3.022.42​ 1.83​1.24​3.25​2.30​1.93​4.38​3.71​3.02
​​Financial Results (EGP millions)
Net Operating Income10,222​7,7416,700​5,344​3,93410,194​7,7176,2065,108​3,837​3,727​3,173​3,200​2,288​1,741​1,450
Impairment charge for Credit Losses - Specific1,682589916​ ​610​3211682589​916610​321​6​9​346​193​176​197
Non Interest Expense 2,0571,7051,608​1,653​1,5572,057​1,7051,4501,445​1,337​1,188​1,041​950636​668​474
Net Profits 4,7293,7413,006​2,226​1,6154,641​3,6482,615​ 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 Headcount6,3325,6975,490​ ​5,181​4,8675,983​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) 34,80819,32816,413​16,140​18,99034,097​19,43016,646​ 16,764​19,821​16,854​16,125​14,473​21,573​13,061​10,537
Net Loans and Acceptances   56,83648,80441,866​​41,877​41,06557.211​49,398​41,97041,877​41,065​35,175​27,443​26,330​20,479​17,465​14,039
Assets 179,500143,813113,752​ 93,957​85,506179,193​143,647113,752​ 94,405​85,628​75,093​64,063​57,128​47,664​37,442​30,390
Due to Customers155,234121,97596,846​ ​78,729​71,468155,370​122,24596,940​ 78,835​71,574​63,480​54,843​48,938​39,515​31,600​24,870
Common Shareholders Equity 16,53514,754
11,960​10,765​8,71216,51214,81612,115​ 11,311​8,921​8,609​6,946​5,631​4,081​3,040​2,527
Average Assets161,657128,783103,854​ ​89,731​80,480161,420​128,700104,07990,017​80,361​69,578​60,595​52,396​42,543​33,906​29,183
Average Interest Earning Assets146,033117,03194,749​ ​80,063​70,913145,835​117,13394,605​ 79,834​70,549​61,624​53,431​44,602​36,603​29,227​25,619
Average Common Shareholders Equity15,64513,35711,362​ ​9,738​8,64015,664​​13,46511,71310,116​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)968470​65​559684​7065​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