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Common Share Information (Per Share)

FY 19 FY 18 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
Earnings Per Share (EPS)* 7.33 7.26 5.76 4.56 3.58 3.55 2.67 2.42 2.43 3.00 2.63 4.84 3.71 3.64 2.77
Dividends (DPS) 1.25 1.00 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
Book Value (BV/No of Shares) 35.26 29.26 24.43 18.44 14.39 16.31 13.46 18.94 15.03 14.59 23.75 19.39 20.93 17.06 13.99
Share Price (EGP)**
High 83.5 96.5 88.8 73.6 47.4 51.3 45.4 39.8 47.4 79.5 59.7 93.4 95.0 79.0 63.5
Low 82.7 67.0 71.1 30.8 28.9 32.6 27.4 21.1 18.5 33.8 29.5 27.9 53.6 42.1 39.9
Closing 83.0 74.1 77.4 76.4 38.1 49.2 32.6 34.6 18.7 47.4 54.7 37.2 91.8 57.9 58.7
Shares Outstanding (EGP million) 1,469.1 1,166.8 161.8 1,153.9 1,147.1 908.2 900.2 597.2 593.5 590.1 292.5 292.5 195.0 195.0 130.0
Market Capitalization (EGP million) 121,963 86,439 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
Value Measures
Price to Earnings Multiple (P/E) 11.3 10.2 13.4 16.8 10.6 13.9 12.2 14.3 7.7 15.8 20.8 7.6 24.7 14.1 12.5
Dividend Yield (based on closing share price) 1.51% 1.35% 1.29% 0.65% 1.97% 2.44% 3.07% 3.62% 5.35% 2.11% 2.74% 2.69% 1.09% 1.73% 2.60%
Dividend Payout Ratio 15.6% 15.3% 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 2.35 2.53 3.17 4.14 2.65 3.02 2.42 1.83 1.24 3.25 2.30 1.92 4.39 3.39 1.86

* Based on net profit available to distribution (after deducting staff profit share and board bonus)
** Unadjusted to stock dividends

Financial Results (EGP million)

FY 19 FY 18 FY 17 FY 16 FY 15 FY 19 FY 18 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
Consolidated Consolidated Consolidated Consolidated Consolidated
Net Operating Income* 23,019 20,379 14,890 11,315 10,189 23,018 20,351 15,192 11,370 10,165 7,717 6,206 5,108 3,837 3,727 3,173 3,274 2,313 1,741 1,450
Provision for Credit Losses - Specific 1,435 3,076 1,742 893 1,682 1,435 3,076 1,742 893 1,682 589 916 610 321 6 9 346 193 176 197
Provision for Credit Losses - General - - - - - - - - - - - - - - - - 49 57 17 43
Total Provisions 1,435 3,076 1,742 893 1,682 1,435 3,076 1,742 893 1,682 589 916 610 321 6 9 395 250 193 240
Non Interest Expense 5,049 4,224 3,119 2,433 2,025 5,045 4,223 3,119 2,433 2,028 1,705 1,450 1,445 1,337 1,188 1,041 1,076 714 668 474
Net Profits 11,801 9,582 7,516 6,009 4,729 11,804 9,556 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 21.59% 20.33% 20.79% 21.36% 19.61% 21.58% 20.35% 20.38% 21.26% 19.69% 22.91% 22.89% 28.01% 35.26% 33.11% 32.31% 32.34% 30.19% 38.38% 32.72%
Return on Average Common Equity (ROAE)** 29.49% 33.14% 32.45% 34.24% 33.46% 29.55% 33.13% 32.71% 34.03% 32.80% 30.25% 24.77% 24.18% 22.23% 30.46% 31.18% 33.12% 35.21% 38.38% 32.72%
Net Interest Margin (NII/average interest-earning assets) 6.48% 6.43% 4.97% 5.47% 5.74% 5.41% 5.36% 4.74% 3.71% 3.62% 3.81% 4.06% 3.27% 3.14% 3.50%
Return on Average Assets (ROAA) 3.26% 3.03% 2.69% 2.71% 2.95% 3.26% 3.02% 2.72% 2.70% 2.90% 2.87% 2.54% 2.47% 2.20% 3.11% 2.97% 3.08% 2.90% 2.37% 2.09%
Regular Workforce Headcount 6,900 6,759 6,551 6,714 6,332 6,900 6,759 6,551 6,422 5,983 5,403 5,193 4,867 4,517 4,360 4,162 3,792 3,132 2,477 2,301
Balance Sheet and Off-Balance Sheet Information (EGP million)
Cash Resources and Securities (Non-Governmental) 63,270 69,068 63,684 77,523 34,808 63,226 69,030 63,673 73,035 34,097 19,430 16,646 16,764 19,821 16,854 16,125 15,964 22,481 14,539 11,718
Net Loans and Acceptances 119,946 106,377 88,428 85,384 56,836 119,946 106,377 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 386,742 342,461 294,782 267,544 179,500 386,697 342,423 294,771 263,852 179,193 143,647 113,752 94,405 85,628 75,093 64,063 57,128 47,664 37,422 30,390
Deposits 304,448 285,297 250,723 231,741 155,234 304,484 285,340 250,767 231,965 155,370 122,245 96,940 78,835 71,574 63,480 54,843 48,938 39,515 31,600 24,870
Common Shareholders' Equity 51,880 34,228 28,439 21,374 16,535 51,800 34,147 28,384 21,276 16,512 14,816 12,115 11,311 8,921 8,609 6,946 5,672 4,081 3,327 2,727
Average Assets 364,602 318,622 281,163 223,522 161,657 364,560 318,597 279,312 221,523 161,420 128,700 104,079 90,017 80,361 69,578 60,595 52,396 42,472 33,906 29,183
Average Interest-Earning Assets 328,296 290,869 257,931 203,053 146,033 328,296 290,869 258,315 203,625 145,835 117,133 94,605 79,834 70,549 61,624 53,431 44,602 36,603 29,277 25,619
Average Common Shareholders' Equity 43,054 31,334 24,907 18,955 15,645 42,973 31,265 24,830 18,894 15,664 13,465 11,713 10,116 8,765 7,777 6,288 4,876 3,813 3,027 2,568
Balance Sheet Quality Measures
Equity to Risk-Weighted Assets*** 24.32% 16.39% 15.59% 13.34% 15.76% 24.28% 16.89% 15.56% 13.28% 15.74% 15.84% 15.50% 15.69% 14.49% 15.85% 15.34% 14.93% 13.60% 14.14% 13.83%
Risk-Weighted Assets (EGP billion) 199 186 169 150 96 199 186 169 150 96 84 70 65 55 49 41 38 30 26 22
Tier 1 Capital Ratio*** 23.59% 16.16% 14.93% 12.90% 15.01% 23.59% 16.16% 14.93% 12.90% 15.01% 15.70% 15.23% 14.33% 14.15% 15.66% 15.28% 10.47% 10.17% 9.59% 9.78%
Adjusted Capital Adequacy Ratio*** 26.07% 19.09% 18.03% 13.97% 16.06% 26.07% 19.09% 18.03% 13.97% 16.06% 16.77% 16.32% 15.71% 15.40% 16.92% 16.53% 14.99% 14.70% 13.60% 13.10%

* Total Equity After Profit Appropriation
** Total Assets After Profit Appropriation
*** 2014,2013 and 2012 as per Basel II regulations after profit appropriation

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