أفراد شركات
الرئيسية>>علاقات المستثمرين>>المعلومات المالية>>نبذة عن الأداء المالي

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 Ratio​​​​​​18.54% ​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 ​3,934​10,194 ​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 - Specific​​1,682 ​​589 916​ ​610 ​321​1682 589​ 916​ ​610 ​321 ​6 ​9 ​346 ​193 ​176 ​197
​Non Interest Expense  2,057​ ​​1,705 1,608 ​1,653 ​1,557​2,057 ​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


​