Financial Results  (EGP million) FY24 FY23 FY22 FY21 FY20 FY19 FY18

Net Operating Income

98,956 55,999 32,898

26,696

25,881

23,019

20,379

 Impairment release (charges) for credit losses

4,524 4,270 1,585

1,680

5,019

1,435

3,076

Release (charges) of other provisions 3,401 2,839 1,855 412 1,287 362 401

Total Provisions

7,925

7,109

3,440

2,092

6,306

1,797

3,477

Non-Interest Expense 

13,896

10,076

7,372

6,183

5,626

5,049

4,223

Net Profit

55,196

29,635

16,114

13,272

10,238

11,801

9,582

Financial Measures

Cost : Income 

14.0% 17.1% 21.21%

22.81%

20.71%

21.59%

20.33%

Return on Average Common Equity (ROAE)3

49.5% 39.7% 25.09%

21.66%

19.20%

29.49%

33.14%

Net Interest Margin (NII/Average Interest Earning Assets)4

9.48% 7.55% 6.10% 5.67% 6.75% 6.48% 6.43%

Return on Average Assets (ROAA)3

5.44%

4.06%

2.86%

2.88%

2.53%

3.26%

3.03%

Regular Workforce Headcount

8,290 7,917 7,700 7,308 7,071 6,900 6,759

Balance Sheet and Off-Balance Sheet Information (EGP million)

Cash Resources and Securities (Non-Governmental)5

441,826

336,908

209,044

136,211

131,858

63,270

69,068

Net Loans and Advances

353,098 235,808 196,578

145,887

120,347

119,946

106,377

Assets

1,214,973

834,866

635,832

498,236

427,842

386,742

342,461

Deposits

972,596 677,237 531,617

407,242

341,169

304,448

285,297

Shareholders’ Equity and Net Profit

152,636
90,481 67,758

68,848

59,476

51,880

34,228

Average Assets

1,024,920 735,349 567,034

463,039

407,292

364,602

318,622

Average Shareholders' Equity

121,559 79,120 68,303

64,162

55,678

43,054

31,334

Balance Sheet Quality Measures

Equity to Risk-Weighted Assets3

20.6% 22.3% 19.35%

27.50%

28.97%

24.32%

16.93%

Risk-Weighted Assets (EGP billions)

671 382 331

234

201

199

186

Tier 1 Capital Ratio3

20.0% 22.0% 19.16%

26.87%

28.09%

23.59%

16.16%

Capital Adequacy Ratio3 24.1% 26.2% 22.66%

29.86%

31.41%

26.07%

19.09%

    1. Based on Net Profit Available for Distribution (After deducting Staff Profit Share and Board Bonus) and unadjusted to Stock Dividends and ESOP.
    2. Unadjusted to Stock Dividends.
    3. After Profit Appropriation.
    4. Based on Managerial Accounts.
    5. Including CBE Deposit Auctions.
Common Share Information (Per Share) FY24 FY23 FY22 FY21 FY20 FY19 FY18

Earning Per Share (EPS)*1

16.39 8.59 4.83

6.10

6.26

7.33

7.26

Book Value (BV/No of Share)

49.8

29.9

22.7

34.98

40.20

35.26

29.26

Share Price (EGP)*2

High

96.5 84.1 48.0

64.0

59.5

83.5

96.5

Low

71.9 41.7 22.5

41.0

59.0

82.7

67.0

Closing

78.5 72.7 41.5

52.0

59.19

83.0

74.1

Shares Outstanding (EGP million)

3,043 3,020 2,982.5

1,970.2

1,477.7

1,469.1

1,166.8

Market Capitalization (EGP million)

238,888 219,367 123,715

102,453

87,464

121,963

86,439

Value Measures

Price to Earnings Multiple (P/E)

4.79

8.46

8.6

8.5

9.5

11.3

10.2

Dividend Yield (based on closing share price)

1.30% 0.76% 3.18%

2.62%

0.00%

1.51%

1.35%

Dividend Payout Ratio

10.0% 5.8% 13.7%

20.0%

0.0%

15.6%

15.3%

Market Value to Book Value Ratio

1.83 2.43 1.57

1.49

1.47

2.35

2.53

* Pending the general assembly meeting's approval

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