.
12 - Financial Soundness Indicators for the Banking Sector (Except CBE) (%)
‫א‬
(%) (‫ مؤشرات السالمة المالية للقطاع المصرفى )بخالف البنك المركزى المصرى‬-١٢
‫א‬
2014
FY
2011*
2012*
2013*
Capital Base / Risk weighted Assets
15.9
14.9
Tier 1 Capital / Risk-weighted Assets***
13.3
March
June
13.7
13.7
13.0
12.9
11.8
11.4
10.9
-
-
10.7
10.4
9.8
6.8
7.2
7.1
7.0
6.9
Non-performing Loans / Total Loans
10.5
9.8
9.3
9.3
9.1
Loan Provisions / Non-performing Loans
94.5
97.1
99.8
97.9
98.0
Loans to Private Sector / Loans to Customers
81.0
82.2
82.7
83.4
84.0
1.0
1.0
‫א‬
**
First: Capital Adequacy**
Common Equity / Risk-weighted Assets+
Equities / Assets
‫א‬
***
+
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
0.8
1.0
1.0
Return on Average Equity ++
11.7
13.9
14.5
14.5
14.5
Net Interest Margin ++
2.6
3.5
3.8
3.8
3.8
‫א‬
++
‫א‬
++
‫א‬
++
:
Local Currency
55.6
58.4
61.8
61.1
62.9
Foreign Currencies
51.8
56.3
55.2
59.0
61.2
Securitiesx / Assets
18.7
21.9
20.9
21.6
22.8
Deposits / Assets
82.5
82.7
83.6
76.8
79.1
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
Total
50.2
48.1
44.1
41.5
41.1
Local Currency
45.7
45.8
40.2
38.4
38.1
Foreign Currencies
62.5
56.1
56.8
51.6
51.1
12 - Other Indicators for the Banking Sector (Except CBE) (cont.)
Total Number of Banks in Egypt
Total Number of Branches, of which:
Village Banks
××
Banking Density
×××
Total Number of Employees
×××
Number of Debit Cards
×××
Number of Credit Cards
×××
Number of ATMs
×××
Number of Points of Sale
‫א‬
‫א‬
‫א א א‬
‫א א‬
‫א‬
‫א‬
‫א א‬
‫א‬
‫א‬
2012
2013
2014
June
June
June
March
June
39
40
40
40
40
3573
3610
3651
3690
3712
1015
1015
1016
1017
1017
22.5
22.7
22.9
23.0
23.0
106,404
106,141
106,236
105,571
11,193,801
11,284,042
12,677,275
13,910,065
1,738,191
1,798,968
2,100,471
2,333,636
4,953
5,489
6,283
6,870
32,911
40,046
45,716
51,384
:
for banks with fiscal year ending in December, and as of June 2013 for banks with fiscal year ending in June.
×××
×××
٢٠١٢
.
‫ א‬II
‫א‬
‫א‬
٣١
‫א‬
‫א‬
.٢٠١٤
‫א‬
‫א‬
‫ א‬٪٤
‫ א‬٪٥,٥
.(
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
‫א‬
.٢٠١٢/٦/٥
‫א‬
‫א‬
‫א‬
- 42 -
،
‫א‬
‫א‬
)
‫א‬
*
**
‫א‬
***
‫א‬
+
++
.
××× Published at the end of June and December.
‫א‬
‫א‬
‫א‬
‫א‬
.
‫א‬
‫א‬
‫א‬
. ‫א א‬
× Excluding Egyptian T-bills .
×× Population in thousands per banking unit.
‫א‬
‫א‬
‫א‬
‫א‬
٪٥
‫ א‬٪٣,٥
++ As per latest Fiscal Year.
# After adding the Arab International Bank (AIB) to the Register of Banks to fall under the supervision of the CBE on 5/6/2012.
‫א‬
‫א‬
،
٢٠١٣
٢٠١٣
×××
٣٠
‫א‬
‫א‬
٢٠١٣
‫א‬
‫א‬
‫א‬
ATM
‫א‬
‫א‬
.٢٠١٤
*** It is prohibited for the going concern capital to be less than 5% starting January 2013 or to be less than 5.5% starting January 2014.
+ It is prohibited for common equity to be less than 3.5% starting January 2013 or to be less than 4% starting January 2014.
،
×××
‫ א‬−
‫א‬
‫א‬
×××
Financial Statements (Including Banks' Foreign Branches).
** The minimum capital adequacy standard according to Basel II regulations has been applied as of Dec. 2012
‫א‬
××
* Fiscal year ends on June 30th for public sector banks, and on December 31st for other banks - Audited
- 43 -
‫א‬
(‫ تابع مؤشرات أخرى للقطاع المصرفى )بخالف البنك المركزى المصرى‬-١٢
2011
#
‫א‬
‫א‬
x
Loans / Deposits
‫א‬
‫א‬
‫א‬: ‫א‬
Fourth: Liquidity
Liquidity Ratio:
:
‫א‬:
Third: Earnings
Return on Average Assets ++
‫א‬
‫א‬
‫א‬
Second: Asset Quality
:
‫א‬
.
x
‫א‬
××
×××
‫א‬
‫א‬
‫א‬
#