| Financial Results (EGP Million) | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|
|
Net Operating Income
|
98,956 | 55,999 | 32,898 | 26,696 |
25,881 |
23,881 | 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 |
|
Non-Interest Expense
|
55,196 | 29,635 | 16,114 | 13,272 | 10,238 | 11,801 | 9,582 |
|
Financial Measures
|
|||||||
| Cost : Income | 14.0% | 17.1% | 21.2% | 22.8% | 20.7% | 21.6% | 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 | 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