Financial Highlights

	FY 17	FY 16	FY 15	FY 14	FY 13	FY 12	FY 11	FY 17	FY 16	FY 15	FY 14	FY 13	FY 12	FY 11	FY 10	FY 09	FY 08	FY 07	FY 06	FY 05	FY 04	FY 03
	Consolidated	Consolidated	Consolidated	Consolidated	Consolidated	Consolidated	Consolidated	FY 17	FY 16	FY 15	FY 14	FY 13	FY 12	FY 11	FY 10	FY 09	FY 08	FY 07	FY 06	FY 05	FY 04	FY 03
Common Share Information Per Share
Earning Per Share (EPS) *								5.76	4.56	3.58	3.55	2.67	2.42	2.43	3.00	2.63	4.89	3.73	3.64	2.77	3.44	2.81
Dividends (DPS)								1.00	0.50	0.75	1.20	1.00	1.25	1.00	1.00	1.50	1.00	1.00	1.00	1.00	1.75	1.50
Book Value (BV/No of Share)								24.43	18.44	14.39	16.31	13.46	18.94	15.03	14.59	23.75	19.25	20.93	15.59	19.44	127.012408	127.012408
Share Price (EGP) **
High								88.8	73.6	47.4	51.3	45.4	39.8	47.4	79.49	59.7	93.4	95	79	63.5
Low								71.1	30.8	28.9	32.6	27.4	21.1	18.5	33.75	29.5	27.87	53.61	42.11	39.91
Closing								77.4	76.4	38.1	49.2	32.6	34.6	18.7	47.4	54.68	37.2	91.77	57.87	58.68	38.85	22
Shares Outstanding (millions)								1161.8	1153.9	1147.1	908.2	900.2	597.2	593.5	590.1	292.5	292.5	195	195	130	130	130
Market Capitalization (EGP millions)								89,865	88,155	43,692	44,673	29,330	20,646	11,098	27,973	15,994	10,881	17,895	11,285	7,628	5,051	2,860
Value Measures
Price to Earnings Multiple (P/E)								13.4	16.8	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)								1.29%	0.65%	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								15.4%	9.7%	18.5%	29.9%	34.4%	33.9%	33.9%	27.6%	24.6%	18.1%	15.8%	27.5%	21.3%
Market Value to Book Value Ratio								3.17	4.14	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***	14,884	11,315	10,189	7,741	6,700	5,344	3,934	15,186	11,370	10,165	7,717	6,206	5,108	3,837	3,727	3,173	3,200	2,288	1,741	1,450
Provision for Credit Losses - Specific	1,742	893	1,682	589	916	610	321	1,742	893	1,682	589	916	610	321	6	9	346	193	176	197
Provision for Credit Losses - General																	49	57	18	167
Total Provisions	1,742	893	1,682	589	916	610	321	1,742	893	1,682	589	916	610	321	6	9	395	250	193	364
Non Interest Expense	3,113	2,433	2,025	1,705	1,608	1,653	1,557	3,113	2,433	2,028	1,705	1,450	1,445	1,337	1,188	1,041	950	636	668	474
Net Profits	7,516	6,009	4,729	3,741	3,006	2,226	1,615	7,550	5,951	4,641	3,648	2,615	2,203	1,749	2,141	1,784	1,615	1,233	802	610
Financial Measures
Cost : Income	20.75%	21.36%	19.61%	22.84%	23.54%	30.64%	40.04%	20.34%	21.26%	19.69%	22.91%	22.89%	28.01%	35.26%	33.11%	32.31%	29.89%	27.12%	37.96%	29.29%
Return on Average Common Equity (ROAE)****	32.45%	34.24%	33.46%	31.31%	29.45%	25.49%	20.86%	32.71%	34.03%	32.80%	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)								4.97%	5.47%	5.74%	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)	2.69%	2.71%	2.95%	2.94%	2.93%	2.51%	2.03%	2.72%	2.70%	2.90%	2.87%	2.54%	2.47%	2.20%	3.11%	2.97%	3.10%	2.90%	2.37%	2.09%
Regular Workforce Headcount	6,551	6,714	6,332	5,697	5,490	5,181	4,867	6,551	6,422	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)	63,684	77,523	34,808	19,328	16,413	16,140	18,990	63,673	73,035	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	88,428	85,384	56,836	48,804	41,866	41,877	41,065	88,428	86,152	57,211	49,398	41,970	41,877	41,065	35,175	27,443	26,330	20,479	17,465	14,039
Assets	294,782	267,544	179,500	143,813	113,752	93,957	85,506	294,771	263,852	179,193	143,647	113,752	94,405	85,628	75,093	64,063	57,128	47,664	37,422	30,390
Deposits	250,723	231,741	155,234	121,975	96,846	78,729	71,468	250,767	231,965	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	28,439	21,374	16,535	14,754	11,960	10,765	8,712	28,384	21,276	16,512	14,816	12,115	11,311	8,921	8,609	6,946	5,631	4,081	3,040	2,527
Average Assets	281,163	223,522	161,657	128,783	103,854	89,731	80,480	279,312	221,523	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	257,931	203,053	146,033	117,031	94,749	80,063	70,913	258,315	203,625	145,835	117,133	94,605	79,834	70,549	61,624	53,431	44,602	36,603	29,277	25,619
Average Common Shareholders Equity	24,907	18,955	15,645	13,357	11,362	9,738	8,640	24,830	18,894	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****	15.60%	13.34%	15.76%	15.77%	15.28%	14.88%	14.11%	15.56%	13.28%	15.74%	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)	169	150	96	84	70	65	55	169	150	96	84	70	65	55	49	41	37	30	26	22
Tier 1 Capital Ratio*****	16.20%	12.90%	15.01%	15.70%	15.23%	14.33%	14.15%	16.20%	12.90%	15.01%	15.70%	15.23%	14.33%	14.15%	15.66%	15.28%	13.74%	10.17%	9.59%	9.78%
Adjusted Capital Adequacy Ratio*****	19.30%	13.97%	16.06%	16.77%	16.32%	15.71%	15.40%	19.30%	13.97%	16.06%	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