العربية

Financial Results (EGP million)

FY 21 FY 20 FY 19 FY 18 FY 17 FY 21 FY 20 FY 19 FY 18 FY 17 FY 16 FY 15 FY 14 FY 13 FY 12
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%

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 2016, 2015 and 2014 excluded CI capital profit (discontinued operations).
4 Total Equity after profit appropriation.
5 Including CBE Deposit Auctions.
6 After Profit Appropriation.

Common Share Information (Per Share)

FY 21 FY 20 FY 19 FY 18 FY 17 FY 16 FY 15 FY 14 FY 13 FY 12
Earning Per Share (EPS)*1 6.10 6.26 7.33 7.26 5.76 4.56 3.58 3.55 2.67 2.42
Dividends (DPS) 1.35* - 1.25 1.00 1.00 0.50 0.75 1.20 1.00 1.25
Book Value (BV/No of Share) 34.98 40.20 35.26 29.26 24.43 18.44 14.39 16.31 13.46 18.94
Share Price (EGP)*2
High 64.0 59.5 83.5 96.5 88.8 73.5 47.4 51.3 45.4 39.8
Low 41.0 59 82.7 67.0 71.1 30.8 28.9 32.6 27.4 21.1
Closing 52.0 59.19 83.0 74.1 77.3 76.4 38.1 49.2 32.6 34.6
Shares Outstanding (EGP million) 1,970.2 1,477.7 1,469.1 1,166.8 1,161.8 1,153.9 1,147.1 908.2 900.2 597.2
Market Capitalization (EGP million) 102,453 87,464 121,963 86,439 89,865 88,155 43,692 44,673 29,330 20,646
Value Measures
Price to Earnings Multiple (P/E) 8.5 9.5 11.3 10.2 13.4 16.8 10.6 13.9 12.2 14.3
Dividend Yield (based on closing share price) 2.62% 0.00% 1.51% 1.35% 1.29% 0.65% 1.97% 2.44% 3.07% 3.62%
Dividend Payout Ratio 20.0% 0.0% 15.6% 15.3% 15.4% 9.7% 18.5% 29.9% 34.4% 33.9%
Market Value to Book Value Ratio 1.49 1.47 2.35 2.53 3.17 4.14 2.65 3.02 2.42 1.83

Cash Dividend Details

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