| 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% |
- Based on Net Profit Available for Distribution (After deducting Staff Profit Share and Board Bonus) and unadjusted to Stock Dividends and ESOP.
- Unadjusted to Stock Dividends.
- After Profit Appropriation.
- Based on Managerial Accounts.
- 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