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FY 03FY 04FY 05FY 06FY 07FY 08FY 09FY 10FY 11FY 12FY 13FY 14FY 15FY 16FY 17FY 11FY 12FY 13FY 14FY 15FY 16FY 17
ConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidated 
Common Share Information Per Share
2.813.442.773.643.734.892.633.002.432.422.673.553.584.565.76Earning Per Share (EPS) *
1.501.751.001.001.001.001.501.001.001.251.001.200.750.501.00Dividends (DPS)
127.0124077127.012407719.4415.5920.9319.2523.7514.5915.0318.9413.4616.3114.3918.4424.43Book Value (BV/No of Share)
Share Price (EGP) **
63.5799593.459.779.4947.439.845.451.347.473.688.8   High 
39.9142.1153.6127.8729.533.7518.521.127.432.628.930.871.1   Low 
2238.8558.6857.8791.7737.254.6847.418.734.632.649.238.176.477.4   Closing 
130130130195195292.5292.5590.1593.5597.2900.2908.21147.11153.91161.8Shares Outstanding (millions)  
2,8605,0517,62811,28517,89510,88115,99427,97311,09820,64629,33044,67343,69288,15589,865Market Capitalization (EGP millions)
Value Measures
21.215.924.67.620.815.87.714.312.213.910.616.813.4Price to Earnings Multiple (P/E)
1.70%1.73%1.09%2.69%2.74%2.11%5.35%3.62%3.07%2.44%1.97%0.65%1.29%Dividend Yield (based on closing share price)
21.3%27.5%15.8%18.1%24.6%27.6%33.9%33.9%34.4%29.9%18.5%9.7%15.4%Dividend Payout Ratio
3.023.714.381.932.303.251.241.832.423.022.654.143.17Market Value to Book Value Ratio
Financial Results (EGP millions)
1,4501,7412,2883,2003,1733,7273,8375,1086,2067,71710,16511,37015,1863,9345,3446,7007,74110,18911,31514,884Net Operating Income***
197176193346963216109165891,6828931,7423216109165891,6828931,742   Provision for Credit Losses - Specific
167185749         Provision for Credit Losses - General
364193250395963216109165891,6828931,7423216109165891,6828931,742Total Provisions
4746686369501,0411,1881,3371,4451,4501,7052,0282,4333,1131,5571,6531,6081,7052,0252,4333,113Non Interest Expense 
6108021,2331,6151,7842,1411,7492,2032,6153,6484,6415,9517,5501,6152,2263,0063,7414,7296,0097,516Net Profits 
Financial Measures
29.29%37.96%27.12%29.89%32.31%33.11%35.26%28.01%22.89%22.91%19.69%21.26%20.34%40.04%30.64%23.54%22.84%19.61%21.36%20.75%Cost : Income 
26.24%28.81%34.62%34.98%31.18%30.46%22.23%24.18%24.77%30.25%32.80%34.03%32.71%20.86%25.49%29.45%31.31%33.46%34.24%32.45%Return on Average Common Equity (ROAE)****
3.50%3.06%3.12%3.54%3.81%3.62%3.71%4.74%5.36%5.41%5.74%5.47%4.97%   Net Interest Margin (NII/average interest earning assets)
2.09%2.37%2.90%3.10%2.97%3.11%2.20%2.47%2.54%2.87%2.90%2.70%2.72%2.03%2.51%2.93%2.94%2.95%2.71%2.69%Return on Average Assets (ROAA)
2,3012,4773,1323,8094,1624,3604,5174,8675,1935,4035,9836,4226,5514,8675,1815,4905,6976,3326,7140Regular Workforce Headcount
Balance Sheet and Off Balance 
Sheet Information (EGP millions)
10,53713,06121,57314,47316,12516,85419,82116,7640092,847131,058018,99016,14016,41357,88493,557135,5470Cash Resources and Securities (Non. Governmental) 
14,03917,46520,47926,33027,44335,17541,06541,87741,97049,39857,21186,15288,42841,06541,87741,86648,80456,83685,38488,428Net Loans and Acceptances   
30,39037,42247,66457,12864,06375,09385,62894,405113,752143,647179,193263,852294,77185,50693,957113,752143,813179,500267,544294,782Assets 
24,87031,60039,51548,93854,84363,48071,57478,83596,940122,245155,370231,965250,76771,46878,72996,846121,975155,234231,741250,723Deposits 
2,5273,0404,0815,6316,9468,6098,92111,31112,11514,81616,51221,27628,3848,71210,76511,96014,75416,53521,37428,439Common Shareholders Equity 
29,18333,90642,54352,39660,59569,57880,36190,017104,079161,420221,523279,312190,13980,48089,731128,783161,657223,522281,163294,782Average Assets
25,61929,27736,60344,60253,43161,62470,54979,83494,605117,133145,835203,625258,31570,91380,06394,749117,031146,033203,053257,931Average Interest Earning Assets
2,3252,7843,5604,8566,2887,7778,76510,11611,71315,66418,89424,83018,5488,6409,73811,36215,64518,95524,90728,439Average Common Shareholders Equity
Balance Sheet Quality Measures
11.49%11.69%13.60%13.93%15.34%15.85%14.49%15.69%15.50%15.84%15.74%13.28%53.55%14.11%14.88%15.28%15.77%15.76%13.34%15.60%Equity to Risk-Weighted Assets****
2226303741495565708496150495565708496150169Risk-Weighted Assets (EGP billions)
9.78%9.59%10.17%13.74%15.28%15.66%14.15%14.33%15.23%15.70%15.01%12.90%16.20%14.15%14.33%15.23%15.70%0.00%0.00%0.00%Tier 1 Capital Ratio*****
13.10%13.60%14.70%14.99%16.53%16.92%15.40%15.71%16.32%16.77%16.06%13.97%19.30%15.40%15.71%16.32%16.77%0.00%0.00%0.00%Adjusted Capital Adequacy Ratio*****​




* 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