|
Consolidated |
Consolidated |
Consolidated |
Consolidated |
Consolidated |
|
|
|
|
|
|
|
|
|
|
|
Net Operating Income*3 |
26,696 |
25,881 |
23,019 |
20,379 |
14,890 |
26,755 |
25,839 |
23,018 |
20,351 |
15,192 |
11,370 |
10,165 |
7,717 |
6,206 |
5,108 |
|
Provision for Credit Losses - Specific |
1,680 |
5,019 |
1,435 |
3,076 |
1,742 |
1,677 |
4,989 |
1,435 |
3,076 |
1,742 |
893 |
1,682 |
589 |
916 |
610 |
|
Provision for Credit Losses - General |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Provisions |
1,680 |
5,019 |
1,435 |
3,076 |
1,742 |
1,677 |
4,989 |
1,435 |
3,076 |
1,742 |
893 |
1,682 |
589 |
916 |
610 |
|
Non Interest Expense |
6,183 |
5,626 |
5,049 |
4,224 |
3,119 |
6,096 |
5,553 |
5,045 |
4,223 |
3,119 |
2,433 |
2,028 |
1,705 |
1,450 |
1,445 |
|
Net Profits |
13,272 |
10,238 |
11,801 |
9,582 |
7,516 |
13,420 |
10,300 |
11,804 |
9,556 |
7,550 |
5,951 |
4,641 |
3,648 |
2,615 |
2,203 |
|
Financial Measures |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Cost : Income |
22.81% |
20.71% |
21.59% |
20.33% |
20.79% |
|
20.47% |
21.58% |
20.35% |
20.38% |
21.26% |
19.69% |
22.91% |
22.89% |
28.01% |
|
Return on Average Common Equity (ROAE)*4 |
21.66% |
19.20% |
29.49% |
33.14% |
32.45% |
21.90% |
19.35% |
29.55% |
33.13% |
32.71% |
34.03% |
32.80% |
30.25% |
24.77% |
24.18% |
|
Net Interest Margin (NII/average interest earning assets) |
|
|
|
|
|
5.67% |
6.75% |
6.48% |
6.43% |
4.97% |
5.47% |
5.74% |
5.41% |
5.36% |
4.74% |
|
Return on Average Assets (ROAA) |
2.88% |
2.53% |
3.26% |
3.03% |
2.69% |
2.93% |
2.55% |
3.26% |
3.02% |
2.72% |
2.70% |
2.90% |
2.87% |
2.54% |
2.47% |
|
Regular Workforce Headcount |
|
|
|
|
|
7,308 |
7,071 |
6,900 |
6,759 |
6,551 |
6,422 |
5,983 |
5,403 |
5,193 |
4,867 |
|
Balance Sheet and Off-Balance Sheet Information (EGP million) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Cash Resources and Securities (Non-Governmental)*5 |
136,211 |
131,858 |
63,270 |
69,068 |
63,684 |
136,502 |
131,708 |
63,226 |
69,030 |
63,673 |
73,035 |
34,097 |
19,430 |
16,646 |
16,764 |
|
Net Loans and Acceptances |
145,887 |
120,347 |
119,946 |
106,377 |
88,428 |
145,078 |
119,632 |
119,946 |
106,377 |
88,428 |
86,152 |
57,211 |
49,398 |
41,970 |
41,877 |
|
Assets |
498,236 |
427,842 |
386,742 |
342,461 |
294,782 |
496,651 |
426,145 |
386,697 |
342,423 |
294,771 |
263,852 |
179,193 |
143,647 |
113,752 |
94,405 |
|
Deposits |
407,242 |
341,169 |
304,448 |
285,297 |
250,723 |
406,101 |
340,087 |
304,484 |
285,340 |
250,767 |
231,965 |
155,370 |
122,245 |
96,940 |
78,835 |
|
Common Shareholders Equity |
68,848 |
59,476 |
51,880 |
34,228 |
28,439 |
68,928 |
59,405 |
51,800 |
34,147 |
28,384 |
21,276 |
16,512 |
14,816 |
12,115 |
11,311 |
|
Average Assets |
463,039 |
407,292 |
364,602 |
318,622 |
281,163 |
461,398 |
406,421 |
364,560 |
318,597 |
279,312 |
221,523 |
161,420 |
128,700 |
104,079 |
90,017 |
|
Average Interest Earning Assets |
411,014 |
363,922 |
328,296 |
290,869 |
257,931 |
409,075 |
362,981 |
328,296 |
290,869 |
258,315 |
203,625 |
145,835 |
117,133 |
94,605 |
79,834 |
|
Average Common Shareholders Equity |
64,162 |
55,678 |
43,054 |
31,334 |
24,907 |
64,166 |
55,602 |
42,973 |
31,265 |
24,830 |
18,894 |
15,664 |
13,465 |
11,713 |
10,116 |
|
Balance Sheet Quality Measures |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Equity to Risk-Weighted Assets*4 |
27.50% |
28.97% |
24.32% |
16.93% |
15.59% |
27.53% |
28.94% |
24.28% |
16.89% |
15.56% |
13.28% |
15.74% |
15.84% |
15.50% |
15.69% |
|
Risk-Weighted Assets (EGP billions) |
234 |
201 |
199 |
186 |
169 |
234 |
201 |
199 |
186 |
169 |
150 |
96 |
84 |
70 |
65 |
|
Tier 1 Capital Ratio*6 |
26.87% |
28.09% |
23.59% |
16.16% |
14.93% |
26.87% |
28.09% |
23.59% |
16.16% |
14.93% |
12.90% |
15.01% |
15.70% |
15.23% |
14.33% |
|
Capital Adequacy Ratio*6 |
29.86% |
31.41% |
26.07% |
19.09% |
18.03% |
29.86% |
31.41% |
26.07% |
19.09% |
18.03% |
13.97% |
16.06% |
16.77% |
16.32% |
15.71% |
|
|
|
|
|
|
|
|
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