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Financial Highlights

FY 17FY 16FY 15FY 14FY 13FY 12FY 11FY 17FY 16FY 15FY 14FY 13FY 12FY 11FY 10FY 09FY 08FY 07FY 06FY 05FY 04FY 03
 ConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidated
Common Share Information Per Share
Earning Per Share (EPS) *5.764.563.583.552.672.422.433.002.634.893.733.642.773.442.81
Dividends (DPS)1.000.500.751.201.001.251.001.001.501.001.001.001.001.751.50
Book Value (BV/No of Share)24.4318.4414.3916.3113.4618.9415.0314.5923.7519.2520.9315.5919.44127.012408127.012408
Share Price (EGP) **
   High 88.873.647.451.345.439.847.479.4959.793.4957963.5
   Low 71.130.828.932.627.421.118.533.7529.527.8753.6142.1139.91
   Closing 77.476.438.149.232.634.618.747.454.6837.291.7757.8758.6838.8522
Shares Outstanding (millions)  1161.81153.91147.1908.2900.2597.2593.5590.1292.5292.5195195130130130
Market Capitalization (EGP millions)89,86588,15543,69244,67329,33020,64611,09827,97315,99410,88117,89511,2857,6285,0512,860
Value Measures
Price to Earnings Multiple (P/E)13.416.810.613.912.214.37.715.820.87.624.615.921.2
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 Ratio15.4%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 Ratio3.174.142.653.022.421.831.243.252.301.934.383.713.02
Financial Results (EGP millions)
Net Operating Income***14,88411,31510,1897,7416,7005,3443,93415,18611,37010,1657,7176,2065,1083,8373,7273,1733,2002,2881,7411,450
   Provision for Credit Losses - Specific1,7428931,6825899166103211,7428931,68258991661032169346193176197
   Provision for Credit Losses - General      495718167
Total Provisions1,7428931,6825899166103211,7428931,68258991661032169395250193364
Non Interest Expense 3,1132,4332,0251,7051,6081,6531,5573,1132,4332,0281,7051,4501,4451,3371,1881,041950636668474
Net Profits 7,5166,0094,7293,7413,0062,2261,6157,5505,9514,6413,6482,6152,2031,7492,1411,7841,6151,233802610
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 Headcount6,5516,7146,3325,6975,4905,1814,8676,5516,4225,9835,4035,1934,8674,5174,3604,1623,8093,1322,4772,301
Balance Sheet and Off Balance 
Sheet Information (EGP millions)
Cash Resources and Securities (Non. Governmental) 63,68477,52334,80819,32816,41316,14018,99063,67373,03534,09719,43016,64616,76419,82116,85416,12514,47321,57313,06110,537
Net Loans and Acceptances   88,42885,38456,83648,80441,86641,87741,06588,42886,15257,21149,39841,97041,87741,06535,17527,44326,33020,47917,46514,039
Assets 294,782267,544179,500143,813113,75293,95785,506294,771263,852179,193143,647113,75294,40585,62875,09364,06357,12847,66437,42230,390
Deposits 250,723231,741155,234121,97596,84678,72971,468250,767231,965155,370122,24596,94078,83571,57463,48054,84348,93839,51531,60024,870
Common Shareholders Equity 28,43921,37416,53514,75411,96010,7658,71228,38421,27616,51214,81612,11511,3118,9218,6096,9465,6314,0813,0402,527
Average Assets281,163223,522161,657128,783103,85489,73180,480279,312221,523161,420128,700104,07990,01780,36169,57860,59552,39642,54333,90629,183
Average Interest Earning Assets257,931203,053146,033117,03194,74980,06370,913258,315203,625145,835117,13394,60579,83470,54961,62453,43144,60236,60329,27725,619
Average Common Shareholders Equity24,90718,95515,64513,35711,3629,7388,64024,83018,89415,66413,46511,71310,1168,7657,7776,2884,8563,5602,7842,325
Balance Sheet Quali​ty 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)16915096847065551691509684706555494137302622
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