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EGP flotation impact on some banks

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EGP flotation impact estimate on some Egyptian banks based on their financial statements.

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EGP flotation impact on some banks

  1. 1. Impact of EGP flotation on banks' financials EGP Flotation impact on banks' financials $ Before 8.78 $ After 17.40 $ Multiplier 1.98 After flotation EGP FC FC Weight T. Assets Impact T.Assets EGP FC FC Weight Total Impact Total CIB 148,151 56,573 27.6% 204,724 55,542 260,266 126,322 52,538 29.4% 178,860 51,580 230,440 3,962 FAISAL 39,840 16,102 28.8% 55,942 15,808 71,750 39,645 13,583 25.5% 53,228 13,335 66,563 2,473 ADIB 22,790 5,006 18.0% 27,796 4,915 32,711 20,792 3,718 15.2% 24,510 3,650 28,159 1,265 QNB 118,757 27,097 18.6% 145,854 26,603 172,456 126,322 26,204 17.2% 152,526 25,726 178,252 877 CA 25,706 9,772 27.5% 35,478 9,594 45,071 21,673 9,496 30.5% 31,169 9,323 40,493 270 ALEX 45,701 7,039 13.3% 52,740 6,910 59,650 37,587 6,788 15.3% 44,375 6,664 51,039 246 EGB 26,910 9,267 25.6% 36,176 9,098 45,274 24,133 9,033 27.2% 33,165 8,868 42,034 230 BARAKA 24,226 5,093 17.4% 29,319 5,000 34,319 21,267 4,933 18.8% 26,200 4,843 31,044 156 BLOM 19,204 3,512 15.5% 22,716 3,448 26,163 17,115 3,378 16.5% 20,493 3,317 23,810 131 HSBC 43,341 19,882 31.4% 63,222 19,519 82,741 36,203 19,890 35.5% 56,093 19,528 75,621 (9) NBK 28,970 11,490 28.4% 40,460 11,280 51,740 28,946 11,514 28.5% 40,460 11,304 51,763 (24) AUDI 28,052 5,427 16.2% 33,479 5,328 38,807 26,683 7,043 20.9% 33,725 6,914 40,640 (1,586) Mio EGP Source: financial statements Net Impact LiabilitiesAssets Before flotation Before flotationAfter flotation 16.11 EGP Flotation impact on banks_LINKED.xlsx Summary 11/18/2018
  2. 2. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 11,145 988 143 26 133 12,434 1,290 2,556 1,266 13,700 Due from banks 22,478 14,451 3,540 377 332 41,177 18,700 37,059 18,359 59,536 Treasury bills 16,265 6,015 689 - - 22,969 6,704 13,286 6,582 29,551 Trading financial assets 3,661 - - - Loans to banks - 82 - - - 82 82 162 80 162 Loans to customers 40,184 26,267 1,401 118 162 68,132 27,948 55,386 27,438 95,570 Financial derivatives 33 34 - - - 66 34 67 33 99 AFS Investment securities 28,063 1,817 - - - 29,880 1,817 3,601 1,784 31,664 HTM Investment securities 26,312 - - - - 26,312 - - - 26,312 Investment in associates 11 - - - - 11 - - - 11 Total financial assets 148,151 49,653 5,773 521 - 627 204,724 56,573 112,115 55,542 260,266 Financial liabilities Due to banks 176 257 7 5 32 477 301 596 295 772 Customer deposits 125,966 45,988 5,449 510 258 178,170 52,204 103,457 51,253 229,423 Financial derivatives 33 33 - - - 66 33 65 32 98 Long term loans 148 - - - - 148 - - - 148 Total financial liabilities 126,322 46,278 5,455 515 - 290 178,860 52,538 104,118 51,580 230,440 Net balance sheet finaicial position 21,829 3,375 317 6 - 337 25,864 4,035 7,997 3,962 29,826 Before After 40,184 40,184 27,948 55,386 68,132 95,570 Before After Loans to customersEGP FX EQ. 148,151 148,151 56,57 3 112,115 204,724 260,266 Before After Total financial assetsEGP FX EQ. 16,265 16,265 6,704 13,286 22,969 29,551 Before After Treasury billsEGP FX EQ. 22,478 22,478 18,700 37,059 41,177 59,536 Before After Due from banksEGP FX EQ. 28,063 28,063 1,817 3,601 29,880 31,664 Before After AFS Investment securitiesEGP FX EQ. 176 176 301 596 477 772 Before After Due to banksEGP FX EQ. 125,966 125,966 52,204 104,118 178,170 230,084 Before After Customer depositsEGP FX EQ. 126,32 2 126,32 2 52,538 104,118178,860 230,440 Before After Total financial liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx CIB Sep.16 11/18/2018
  3. 3. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 9,322 609 123 15 68 10,137 815 1,615 800 10,937 Due from banks 19 3,368 172 256 98 3,913 3,894 7,716 3,823 7,735 Treasury bills 34,389 2,073 - - - 36,462 2,073 4,108 2,035 38,497 Loans to customers 49,930 17,733 1,061 35 0 68,759 18,829 37,315 18,486 87,245 Financial derivatives 29 0 - - - 29 0 0 0 29 AFS Investment securities 12,482 1,363 1 - - 13,846 1,364 2,703 1,339 15,185 HTM Investment securities 11,304 - - - - 11,304 - - - 11,304 Other financial assets 1,283 118 4 0 - 1,405 122 241 119 1,524 Total financial assets 118,757 25,263 1,361 307 - 166 145,854 27,097 53,699 26,603 172,456 Financial liabilities Due to banks 1,903 518 159 16 7 2,602 699 1,385 686 3,288 Customer deposits 101,522 20,703 2,450 291 155 125,120 23,598 46,767 23,168 148,289 Other loans 73 1,839 - - - 1,912 1,839 3,644 1,805 3,717 Other financial liabilities 1,277 66 2 0 . 1,344 67 134 66 1,411 Total financial liabilities 104,775 23,125 2,610 307 - 162 130,978 26,204 51,930 25,726 156,704 Net balance sheet finaicial position 13,982 2,138 (1,249) (0) - 4 14,875 893 1,770 877 15,752 Before After 49,930 49,930 18,829 37,31568,759 87,245 Before After Loans to customersEGP FX EQ. 118,757 118,757 27,097 53,699 145,854 172,456 Before After Total financial assetsEGP FX EQ. 34,389 34,389 2,073 4,108 36,462 38,497 Before After Treasury billsEGP FX EQ. 19 19 3,894 7,716 3,913 7,735 Before After Due from banksEGP FX EQ. 12,482 12,482 1,364 2,703 13,846 15,185 Before After AFS Investment securitiesEGP FX EQ. 1,903 1,903 699 1,385 2,602 3,288 Before After Due to banksEGP FX EQ. 101,522 101,522 23,598 51,930 125,120 153,452 Before After Customer depositsEGP FX EQ. 104,775 104,775 26,204 51,930 130,978 156,704 Before After Other financial liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx QNB Sep.16 11/18/2018
  4. 4. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 4,475 151 22 2 6 4,656 181 358 178 4,834 Due from banks 6,699 1,646 285 89 54 8,773 2,074 4,109 2,036 10,808 Treasury bills 10,667 94 - - - 10,761 94 186 92 10,853 Loans to customers 21,268 4,205 234 - 38 25,745 4,477 8,872 4,395 30,140 AFS Investment securities 2,559 213 1 - - 2,772 213 423 210 2,982 HTM Investment securities 33 - - - - 33 - - - 33 Total financial assets 45,701 6,308 542 91 - 98 52,740 7,039 13,949 6,910 59,650 Financial liabilities Due to banks 198 115 2 1 - 21 337 139 275 136 473 Customer deposits 37,316 5,647 516 85 79 43,643 6,327 12,539 6,212 49,855 Other financial liabilities 73 322 - . . 395 322 638 316 711 Total financial liabilities 37,587 6,084 518 86 - 100 44,375 6,788 13,452 6,664 51,039 Net balance sheet finaicial position 8,115 224 24 5 - (2) 8,365 251 497 246 8,612 Before After 21,268 21,268 4,477 8,872 25,745 30,140 Before After Loans to customersEGP FX EQ. 45,701 45,701 7,039 13,949 52,740 59,650 Before After Total financial assetsEGP FX EQ. 10,667 10,667 94 186 10,761 10,853 Before After Treasury billsEGP FX EQ. 6,699 6,699 2,074 4,109 8,773 10,808 Before After Due from banksEGP FX EQ. 2,559 2,559 213 423 2,772 2,982 Before After AFS Investment securitiesEGP FX EQ. 198 198 139 275 337 473 Before After Due to banksEGP FX EQ. 37,316 37,316 6,327 13,452 43,643 50,768 Before After Customer depositsEGP FX EQ. 37,587 37,587 6,788 13,452 44,375 51,039 Before After Other financial liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx ALEX Sep.16 11/18/2018
  5. 5. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 3,706 2,174 25 15 6 5,926 2,220 4,399 2,179 8,105 Due from banks 5,085 5,718 975 807 87 12,672 7,587 15,036 7,449 20,121 Treasury bills 18,326 - - - - 18,326 - - - 18,326 Financial assets held for trading 10 - - - - 10 - - - 10 Loans and advancies to banks 557 - - - 557 557 1,104 547 1,104 Loans and advancies to customers 11,196 7,821 1,054 107 10 20,188 8,992 17,820 8,828 29,016 Derivative financial instrument 12 - 2 14 14 27 13 27 AFS Investment securities 4,107 419 - - - 4,526 419 830 411 4,937 HTM Investment securities 32 - - - - 32 - - - 32 Other financial assets 879 77 9 1 6 972 93 184 91 1,063 Total financial assets 43,341 16,778 2,063 932 - 108 63,222 19,882 39,401 19,519 82,741 Financial liabilities Due to banks 2,642 269 86 0 1 2,998 356 705 349 3,347 Customer deposits 32,050 16,347 1,918 929 145 51,389 19,339 38,326 18,987 70,376 Financial derivatives 12 - 2 - 14 14 Other financial liabilities 1,511 97 12 29 44 1,693 182 360 178 1,871 Total financial liabilities 36,203 16,725 2,016 960 - 190 56,093 19,890 39,418 19,528 75,621 Net balance sheet finaicial position 7,138 53 48 (28) - (81) 7,129 (9) (18) (9) 7,120 Before After 11,196 11,196 8,992 17,820 20,188 29,016 Before After Loans and advancies to customers EGP FX EQ. 43,341 43,341 19,882 39,401 63,222 82,741 Before After Total financial assetsEGP FX EQ. 18,326 18,326 - - 18,326 18,326 Before After Treasury billsEGP FX EQ. 5,085 5,085 7,587 15,03612,672 20,121 Before After Due from banksEGP FX EQ. 4,107 4,107 419 830 4,526 4,937 Before After AFS Investment securitiesEGP FX EQ. 2,642 2,642 356 705 2,998 3,347 Before After Due to banksEGP FX EQ. 32,050 32,050 19,339 39,418 51,389 71,468 Before After Customer depositsEGP FX EQ. 36,203 36,203 19,890 39,418 56,093 75,621 Before After Other financial liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx HSBC Dec.15 11/18/2018
  6. 6. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 1,941 519 16 3 4 2,482 541 1,072 531 3,013 Due from banks 2,276 465 54 5 13 2,812 536 1,062 526 3,338 Treasury bills 3,692 850 186 - - 4,728 1,036 2,052 1,017 5,744 Investment with banks 474 72 24 58 628 628 1,244 616 1,244 Loans and advancies to customers 8,667 2,005 38 - - 10,710 2,043 4,049 2,006 12,716 AFS Investment securities 40 - - - 6 46 6 11 5 51 HTM Investment securities 7,610 304 - - - 7,914 304 602 298 8,212 Total financial assets 24,226 4,617 365 31 - 80 29,319 5,093 10,092 5,000 34,319 Financial liabilities Due to banks 266 399 5 1 - 672 406 804 398 1,070 Customer deposits 20,980 3,916 350 32 75 25,353 4,373 8,666 4,293 29,646 Other financial liabilities 21 155 - - - 176 155 307 152 328 Total financial liabilities 21,267 4,470 355 33 - 75 26,200 4,933 9,777 4,843 31,044 Net balance sheet finaicial position 2,959 147 10 (2) - 5 3,119 159 315 156 3,275 Before After 8,667 8,667 2,043 4,049 10,710 12,716 Before After Loans and advancies to customers EGP FX EQ. 24,226 24,226 5,093 10,092 29,319 34,319 Before After Total financial assetsEGP FX EQ. 3,692 3,692 1,036 2,052 4,728 5,744 Before After Treasury billsEGP FX EQ. 2,276 2,276 536 1,062 2,812 3,338 Before After Due from banksEGP FX EQ. 40 40 6 11 46 51 Before After AFS Investment securitiesEGP FX EQ. 266 266 406 804 672 1,070 Before After Due to banksEGP FX EQ. 20,980 20,980 4,373 9,777 25,353 30,757 Before After Customer depositsEGP FX EQ. 21,267 21,267 4,933 9,777 26,200 31,044 Before After Other financial liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx BARAKA Dec.15 11/18/2018
  7. 7. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP CHF Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 2,512 213 86 7 3 41 2,861 350 693 343 3,205 Due from banks 2,692 3,004 426 123 27 42 6,314 3,622 7,178 3,556 9,870 Treasury bills 7,302 1,520 - - - 8,822 1,520 3,011 1,492 10,314 Debt instruments held for trading 319 - - - - 319 - - - 319 Loans to banks - 227 21 - 21 269 269 534 264 534 Loans to customers 10,022 3,079 707 26 0 161 13,994 3,973 7,873 3,900 17,895 Financial derivatives 92 5 - - - 97 5 10 5 102 AFS Investment securities 2,586 4 14 - - - 2,604 18 36 18 2,622 Other financial assets 182 13 1 0 1 0 197 15 30 15 212 Total financial assets 25,706 8,064 1,233 178 31 265 35,478 9,772 19,365 9,594 45,071 Financial liabilities Due to banks 481 2 0 - 484 2 5 2 486 Customer deposits 20,885 7,805 1,275 177 32 193 30,367 9,482 18,791 9,309 39,677 Financial derivatives 85 7 - - 3 95 9 18 9 104 Other financial liabilities 221 3 0 0 224 3 5 3 226 Total financial liabilities 21,673 7,816 1,276 177 32 196 31,169 9,496 18,820 9,323 40,493 Net balance sheet finaicial position 4,033 248 (43) 1 (0) 69 4,308 275 546 270 4,579 AfterBefore 10,022 10,022 3,973 7,873 13,994 17,895 Before After Loan to customersEGP FX EQ. 25,706 25,706 9,772 19,365 35,478 45,071 Before After Total assetsEGP FX EQ. 7,302 7,302 1,520 3,011 8,822 10,314 Before After Treasury BillsEGP FX EQ. 2,692 2,692 3,622 7,178 6,314 9,870 Before After Due from BanksEGP FX EQ. 2,586 2,586 18 36 2,604 2,622 Before After AFS Invest. sec.EGP FX EQ. 481 481 2 5 484 486 Before After Due to banksEGP FX EQ. 20,885 20,885 9,482 18,820 30,367 39,705 Before After Customer depositsEGP FX EQ. 21,673 21,673 9,496 18,820 31,169 40,493 Before After Total liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx CA Sep.16 11/18/2018
  8. 8. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 3,155 1,392 22 6 55 4,630 1,474 2,922 1,447 6,077 Due from banks 4,325 3,238 169 43 756 8,530 4,206 8,334 4,129 12,659 Treasury bills 1,231 5,085 - - - 6,316 5,085 10,078 4,993 11,309 Debt instruments held for trading 25 - - - - 25 - - - 25 Loans to customers 3,974 1,227 0 - - 5,201 1,227 2,432 1,205 6,406 AFS Investment securities 25,750 2,374 335 23 - 28,482 2,732 5,414 2,682 31,164 HTM Investment securities 15 1,315 - - - 1,330 1,315 2,606 1,291 2,620 Other financial assets 1,366 56 2 0 5 1,429 63 125 62 1,491 Total financial assets 39,840 14,686 528 72 - 815 55,942 16,102 31,910 15,808 71,750 Financial liabilities Due to banks 6 123 0 0 5 133 128 253 125 259 Customer deposits 37,914 11,920 508 72 802 51,216 13,302 26,361 13,059 64,275 Other financial liabilities 1,725 153 0 0 0 1,878 154 304 151 2,029 Total financial liabilities 39,645 12,196 508 72 - 807 53,228 13,583 26,918 13,335 66,563 Net balance sheet finaicial position 195 2,491 20 0 - 8 2,714 2,519 4,992 2,473 5,187 Before After 3,974 3,974 1,227 2,432 5,201 6,406 Before After Loan to customersEGP FX EQ. 39,840 39,840 16,10 2 31,910 55,942 71,750 Before After Total assetsEGP FX EQ. 1,231 1,2315,085 10,078 6,316 11,309 Before After Treasury BillsEGP FX EQ. 4,325 4,325 4,206 8,334 8,530 12,659 Before After Due from BanksEGP FX EQ. 25,750 25,750 2,732 5,414 28,482 31,164 Before After AFS Invest. sec.EGP FX EQ. 6 6128 253 133 259 Before After Due to banksEGP FX EQ. 37,914 37,914 13,302 26,918 51,216 64,833 Before After Customer depositsEGP FX EQ. 39,645 39,645 13,583 26,918 53,228 66,563 Before After Total liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx FAISAL Jun.16 11/18/2018
  9. 9. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 1,662 768 40 11 7 2,488 826 1,636 810 3,298 Due from banks 2,597 693 57 40 80 3,467 870 1,724 854 4,321 Treasury bills 7,520 2,961 - - - 10,481 2,961 5,868 2,907 13,388 Loans and facilities to customers 9,528 6,293 420 - - 16,241 6,713 13,303 6,591 22,831 AFS Investment securities 6,623 89 0 - - 6,712 89 176 87 6,799 HTM Investment securities 22 - - - - 22 - - - 22 Investment in subsudaries and associates 37 - - 37 - Other financial assets 982 31 0 - - 1,013 31 62 31 1,044 Total financial assets 28,970 10,835 517 51 - 87 40,460 11,490 22,770 11,280 51,740 Financial liabilities Due to banks 3 3,774 114 - - 3,891 3,888 7,705 3,817 7,708 Customer deposits 25,661 5,544 446 50 88 31,789 6,128 12,144 6,016 37,805 Financial derivatives 4 - - - - 4 - Other loans 1,449 - - - 1,449 1,449 Other provisions 135 8 2 - - 144 9 Other financial liabilities 3,144 38 2 - - 3,184 40 78 39 3,222 Total financial liabilities 28,946 10,813 563 50 - 88 40,460 11,514 22,817 11,304 51,763 Net balance sheet finaicial position 24 22 (46) 1 - (2) 0 (24) (48) (24) (23) Before After 9,528 9,528 6,713 13,303 16,241 22,831 Before After Loans and facilities to customers EGP FX EQ. 28,970 28,970 11,490 22,770 40,460 51,740 Before After Total financial assetsEGP FX EQ. 7,520 7,520 2,961 5,868 10,481 13,388 Before After Treasury billsEGP FX EQ. 2,597 2,597 870 1,724 3,467 4,321 Before After Due from banksEGP FX EQ. 6,623 6,623 89 176 6,712 6,799 Before After AFS Investment securitiesEGP FX EQ. 3 33,888 7,705 3,891 7,708 Before After Due to banksEGP FX EQ. 25,661 25,661 6,128 22,817 31,789 48,478 Before After Customer depositsEGP FX EQ. 28,946 28,946 11,514 22,817 40,460 51,763 Before After Other financial liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx NBK Jun.16 11/18/2018
  10. 10. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 1,284 808 13 4 10 2,120 835 1,656 820 2,940 Due from banks 3,038 1,068 24 33 10 4,173 1,135 2,249 1,114 5,287 Treasury bills 6,079 1,743 167 - - 7,990 1,910 3,786 1,875 9,865 Loans to customers 10,725 4,576 100 0 0 15,402 4,676 9,268 4,591 19,993 AFS Investment securities 5,770 710 - - - 6,480 710 1,407 697 7,177 HTM Investment securities 13 - - - - 13 - - - 13 Total financial assets 26,910 8,905 305 37 - 20 36,176 9,267 18,365 9,098 45,274 Financial liabilities Due to banks 0 27 0 0 - 28 27 54 27 54 Customer deposits 24,129 8,644 305 37 20 33,135 9,006 17,847 8,841 41,976 Other financial liabilities 3 - - - - 3 - - - 3 Total financial liabilities 24,133 8,671 305 37 - 20 33,165 9,033 17,901 8,868 42,034 Net balance sheet finaicial position 2,777 234 (0) (0) - 0 3,011 234 464 230 3,241 Before After 10,725 10,725 4,676 9,268 15,402 19,993 Before After Loan to customersEGP FX EQ. 26,910 26,910 9,267 18,365 36,176 45,274 Before After Total assetsEGP FX EQ. 6,079 6,079 1,910 3,786 7,990 9,865 Before After Treasury BillsEGP FX EQ. 3,038 3,038 1,135 2,249 4,173 5,287 Before After Due from BanksEGP FX EQ. 5,770 5,770 710 1,407 6,480 7,177 Before After AFS Invest. sec.EGP FX EQ. 0 027 54 28 54 Before After Due to banksEGP FX EQ 24,129 24,129 9,006 17,901 33,135 42,031 Before After Customer depositsEGP FX EQ 24,133 24,133 9,033 17,901 33,165 42,034 Before After Total liabilitiesEGP FX EQ 16.11 EGP Flotation impact on banks_LINKED.xlsx EGB Sep.16 11/18/2018
  11. 11. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 1,506 50 10 0 1 1,567 61 120 60 1,626 Due from banks 2,251 1,065 78 41 176 3,611 1,360 2,694 1,335 4,945 Treasury bills 4,237 411 58 - - 4,706 469 929 460 5,166 Loans to banks 176 25 - Loans to customers 6,341 1,077 84 1 0 7,503 1,162 2,303 1,141 8,644 AFS Investment securities 4,602 248 - - - 4,850 248 491 243 5,093 HTM Investment securities 12 - - - - 12 - - - 12 Other financial assets 255 11 0 0 - 267 12 24 12 279 Total financial assets 19,204 3,038 255 42 - 177 22,716 3,512 6,960 3,448 26,163 Financial liabilities Due to banks - 229 11 1 - - 241 241 477 236 477 Customer deposits 16,960 2,677 234 41 176 20,088 3,128 6,200 3,071 23,159 Other financial liabilities 156 9 - . . 165 9 18 9 173 Total financial liabilities 17,115 2,915 245 42 - 176 20,493 3,378 6,695 3,317 23,810 Net balance sheet finaicial position 2,089 123 9 0 - 1 2,222 134 265 131 2,354 Before After 6,341 6,341 1,162 2,3037,503 8,644 Before After Loans to customersEGP FX EQ. 19,204 19,204 3,512 6,960 22,716 26,163 Before After Total financial assetsEGP FX EQ. 4,237 4,237 469 929 4,706 5,166 Before After Treasury billsEGP FX EQ. 2,251 2,251 1,360 2,694 3,611 4,945 Before After Due from banksEGP FX EQ. 4,602 4,602 248 491 4,850 5,093 Before After AFS Investment securitiesEGP FX EQ. - -241 477 241 477 Before After Due to banksEGP FX EQ 16,960 16,960 3,128 6,695 20,088 23,654 Before After Customer depositsEGP FX EQ 17,115 17,115 3,378 6,695 20,493 23,810 Before After Other financial liabilitiesEGP FX EQ 16.11 EGP Flotation impact on banks_LINKED.xlsx BLOM Sep.16 11/18/2018
  12. 12. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Yen Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 1,486 22 0 2 - 3 1,513 27 53 26 1,539 Due from banks 269 547 10 190 1 52 1,068 799 1,584 785 1,853 Treasury bills 3,757 1,169 - 58 - - 4,984 1,227 2,431 1,204 6,188 Fin Facilities to customers 11,495 2,918 8 7 - 14,428 2,933 5,812 2,879 17,307 AFS Investment securities 173 21 - - - 194 21 42 21 214 HTM Investment securities 5,395 - - - - 5,395 - - - 5,395 Investments in associates and subsidaries 215 - - - - 215 - - - 215 Total financial assets 22,790 4,677 17 257 1 55 27,796 5,006 9,921 4,915 32,711 Financial liabilities Due to banks 1,017 853 - - - 13 1,883 866 1,715 850 2,732 Customer deposits 19,775 2,233 18 266 1 110 22,403 2,628 5,208 2,580 24,983 Other financial liabilities - 224 - . - 224 224 444 220 444 Total financial liabilities 20,792 3,310 18 266 1 123 24,510 3,718 7,367 3,650 28,159 Net balance sheet finaicial position 1,998 1,367 (1) (9) 0 (68) 3,286 1,289 2,554 1,265 4,552 Before After 11,495 11,495 2,933 5,812 14,428 17,307 Before After Fin Facilities to customersEGP FX EQ. 22,790 22,790 5,006 9,921 27,796 32,711 Before After Total financial assetsEGP FX EQ. 3,757 3,757 1,227 2,431 4,984 6,188 Before After Treasury billsEGP FX EQ. 269 269 799 1,584 1,068 1,853 Before After Due from banksEGP FX EQ. 173 173 21 42 194 214 Before After AFS Investment securitiesEGP FX EQ. 1,017 1,017 866 1,715 1,883 2,732 Before After Due to banksEGP FX EQ 19,775 19,775 2,628 7,367 22,403 27,142 Before After Customer depositsEGP FX EQ 20,792 20,792 3,718 7,367 24,510 28,159 Before After Other financial liabilitiesEGP FX EQ 16.11 EGP Flotation impact on banks_LINKED.xlsx ADIB Jun.16 11/18/2018
  13. 13. Impact of EGP flotation on banks' financials $ Before 8.78 $ After 17.40 FX Multiplier 1.98 Mio EGP Assets EGP USD EUR GBP Other Total in EGP Total FC Total FC Change Total in EGP Cash and balanced with CBE 2,097 37 14 6 5 2,158 61 121 60 2,218 Due from banks 213 2,639 329 42 7 3,230 3,017 5,979 2,962 6,192 Treasury bills 5,085 - - - - 5,085 - - - 5,085 Loans and advancies to banks 66 - - - - 66 Loans and advancies to customers 13,463 1,776 214 3 - 15,456 1,993 3,949 1,956 17,412 AFS Investment securities 6,719 331 - - - 7,050 331 655 325 7,374 HTM Investment securities 10 - - - - 10 - - - 10 Other financial assets 399 24 1 - - 424 25 50 25 449 Total financial assets 28,052 4,807 557 51 - 12 33,479 5,427 10,755 5,328 38,807 Financial liabilities Due to banks 5 1 - 1 - 7 3 5 3 10 Customer deposits 26,357 5,011 312 62 10 31,751 5,394 10,690 5,296 37,047 Other loans 1,623 - - - Other financial liabilities 321 23 1 - - 344 23 46 23 367 Total financial liabilities 26,683 6,657 313 63 - 10 33,725 7,043 13,957 6,914 40,640 Net balance sheet finaicial position 1,369 (1,851) 245 (12) - 2 (246) (1,616) (3,202) (1,586) (1,833) Before After 13,463 13,463 1,993 3,949 15,456 17,412 Before After Loans and advancies to customers EGP FX EQ. 28,052 28,052 5,427 10,755 33,479 38,807 Before After Total financial assetsEGP FX EQ. 5,085 5,085 - - 5,085 5,085 Before After Treasury billsEGP FX EQ. 213 213 3,017 5,979 3,230 6,192 Before After Due from banksEGP FX EQ. 6,719 6,719 331 655 7,050 7,374 Before After AFS Investment securitiesEGP FX EQ. 5 5 3 5 7 10 Before After Due to banksEGP FX EQ. 26,357 26,357 5,394 13,957 31,751 40,314 Before After Customer depositsEGP FX EQ. 26,683 26,683 7,043 13,957 33,725 40,640 Before After Other financial liabilitiesEGP FX EQ. 16.11 EGP Flotation impact on banks_LINKED.xlsx AUDI Dec.15 11/18/2018

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