Professional Documents
Culture Documents
Liquidity Group
1- Current Ratio
= 88.48%
= 88.19%
= 87.50%
= 79.43%
= 75.38%
Current Ratio
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00% 1 OF 162
2011 2012 2013 2014 2015
60.00%
40.00%
El Baraka Bank :Financial Ratios
20.00%
0.00%
2011 2012 2013 2014 2015
Years
El Baraka Bank IA
Debit Group
2- Debit Ratio
= 93.92%
= 93.87%
= 93.61%
= 94.04%
= 94.85%
Debit Ratio
96.00%
95.00%
94.00%
93.00%
92.00%
91.00%
2 OF 162
90.00%
94.00%
91.00%
90.00%
89.00%
88.00%
87.00%
2011 2012 2013 2014 2015
Years
El
Baraka
= 29.9203193576
= 40.1739736772
= 50.0340966079
= 51.1627221686
= 50.6458750943
200 3 OF 162
150
Time Interest Earned
450
400
350
El Baraka Bank :Financial Ratios
300
250
200
150
100
50
0
2011 2012 2013 2014 2015
-50
Years
El Baraka Bank
IA
Activity Group
4- Current Assets Turnover
= 0.0960465512 times
= 0.0994188495 times
= 0.1014312443 times
= 0.1072470415 times
4 OF 162
El Baraka Bank :Financial Ratios
e) Current Assets Turnoveron 2015 = 2,310,214,322 / (28,900,029,588- 323,601,905-7,913,950,245 )
= 0.1118072278 times
0.1000
0.0800
T
i 0.0600
m
e
s
0.0400
0.0200
0.0000
2011 2012 2013 2014 2015
El Baraka Bank IA
Years
= 0.472379499 times
= 0.4780101615 times
= 0.4594407784 times
5 OF 162
El Baraka Bank :Financial Ratios
= 0.3166055758 times
= 0.280245006 times
3.0000
2.5000
T 2.0000
i
m
e 1.5000
s
1.0000
0.5000
0.0000
2011 2012 2013 2014 2015
El Baraka Bank IA
Years
= 0.0798176327 times
6 OF 162
El Baraka Bank :Financial Ratios
= 0.0823014074 times
= 0.0830878488 times
= 0.0801104203 times
= 0.07993813 times
0.0800
0.0700
0.0600
T 0.0500
i
m 0.0400
e
s
0.0300
0.0200
0.0100
0.0000
2011 2012 2013 2014 2015
El Baraka Bank IA
Years
7 OF 162
El Baraka Bank :Financial Ratios
7- Average Collection Period
= 24.8813502559
= 46.5535857809
= 70.9288740905
= 281.990012128
= 438.231496013
800
700
600
D 500
a
y 400
s
300
200
100
0
2011 2012 2013 2014 2015
Years El Baraka Bank IA
8 OF 162
El Baraka Bank :Financial Ratios
Profitability Group
8- Net Profit Margin
= 8.44%
= 9.83%
= 10.93%
= 12.63%
= 11.47%
20.00%
15.00%
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00% 9 OF 162
Years
10.00%
5.00%
El Baraka Bank :Financial Ratios
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
Years
El Baraka Bank IA
9- Return On Equity
= 11.09%
= 13.20%
= 14.22%
= 16.98%
= 17.81%
Return On Equity
30.00%
25.00%
20.00%
15.00%
10.00%
5.00% 10 OF 162
0.00%
30.00%
25.00%
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
-15.00%
-20.00%
Years
El Baraka Bank IA
= 3.16%
= 3.45%
= 3.61%
= 3.69%
= 3.67%
11 OF 162
El Baraka Bank :Financial Ratios
Return On Assets
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
-15.00%
-20.00%
Years
El Baraka
Bank
Evaluation Group
11- P/E Ratio
= 5.81
= 8.54
12 OF 162
El Baraka Bank :Financial Ratios
= 7.59
= 7.13
= 5.96
P/E Ratio
12.00
10.00
8.00
6.00
4.00
2.00
0.00
2011 2012 2013 2014 2015
Years
EL Baraka Bank
IA
13 OF 162
13,948,847,636
15,749,832,351
17,076,593,602
20,952,334,956
27,411,345,020
14 OF 162
4 2015
4 2015
14,851,881,748
16,778,338,624
18,241,449,420
22,279,946,214
28,900,029,588
15 OF 162
2015
16 OF 162
4 2015
El Baraka Bank
A
981,745-2,419,530,301 )
5,079,037 -2,653,731,692 )
2,628,177-3,046,257,911 )
4,271,033-5,303,203,454 )
17 OF 162
3,601,905-7,913,950,245 )
14 2015
ka Bank IA
81,745 + 2,419,530,301)
079,037+ 2,653,731,692)
628,177+3,046,257,911)
18 OF 162
271,033+5,303,203,454)
601,905+7,919,950,245)
14 2015
ka Bank IA
19 OF 162
14 2015
ka Bank IA
20 OF 162
5,442,043 /360 )
days
0,880,883 /360 )
days
5,642,792 /360 )
days
4,855,856 /360 )
days
0,214,322 /360 )
days
4 2015
Bank IA
21 OF 162
2015
22 OF 162
2015
Bank IA
23 OF 162
014 2015
El Baraka Bank IA
24 OF 162
2015
El Baraka
Bank
25 OF 162
2015
EL Baraka Bank
IA
26 OF 162
Suez Canal Bank :Financial Ratios
Current Assets = Total Assets - Fixed Assets- Held to Maturity
Liquidity Group
1- Current Ratio
= 109.63%
= 109.31%
= 109.27%
= 108.06%
= 106.53%
Current Ratio
112.00%
110.00%
108.00%
106.00%
104.00%
102.00%
100.00%
98.00%
96.00%
94.00%
2011 2012 27 OF 162 2013 2014 2015
Years
104.00%
102.00%
96.00%
94.00%
2011 2012 2013 2014 2015
Years
Suez Canal Bank IA
Debit Group
2- Debit Ratio
= 88.59%
= 89.13%
= 89.38%
= 90.66%
= 92.13%
Debit Ratio
93.00%
92.00%
91.00%
90.00%
89.00%
28 OF 162
91.00%
Suez Canal Bank :Financial Ratios
90.00%
89.00%
88.00%
87.00%
86.00%
2011 2012 2013 2014 2015
Years
Suez Canal Bank
IA
= 113.2383900929
= 3,081.482759
3000
2500
2000
29 OF 162
1500
Time Interest Earned
3500
2000
1500
1000
500
0
2011 2012 2013 2014 2015
-500
Years
Suez Canal Bank
IA
Activity Group
4- Current Assets Turnover
= 0.061399061 times
= 0.066556796 times
= 0.0711288805 times
= 0.0671802728 times
30 OF 162
Suez Canal Bank :Financial Ratios
e) Current Assets Turnoveron 2015 = 1,480,146,000 / (22,950,025,000- 406,345,000- 19,256,000)
= 0.0657129345 times
0.0800
0.0700
0.0600
T 0.0500
i
m
e 0.0400
s
0.0300
0.0200
0.0100
0.0000
2011 2012 2013 2014 2015
= 2.050127189 times
= 2.4706907297 times
= 2.879293574 times
31 OF 162
Suez Canal Bank :Financial Ratios
= 3.0208703254 times
= 3.4777784827 times
3.5000
3.0000
2.5000
T
i 2.0000
m
e
s
1.5000
1.0000
0.5000
0.0000
2011 2012 2013 2014 2015
= 0.0596136962 times
32 OF 162
Suez Canal Bank :Financial Ratios
= 0.0648108855 times
= 0.0694141032 times
= 0.0657187718 times
= 0.0644943088 times
0.0800
0.0700
0.0600
T 0.0500
i
m
e 0.0400
s
0.0300
0.0200
0.0100
0.0000
2011 2012 2013 2014 2015
33 OF 162
Suez Canal Bank :Financial Ratios
7- Average Collection Period
= 1020.53164124
= 489.702555645
= 562.8913082
= 684.632998531
= 1330.93489426
1200
1000
800
D
a
y
s 600
400
200
0
2011 2012 2013 2014 2015
Years Suez Canal Bank
34 OF 162 IA
200
Profitability Group
8- Net Profit Margin
= 0.00%
= 0.00%
= 0.00%
= 0.00%
= 0.00%
20.00%
15.00%
10.00%
5.00%
35 OF 162
0.00%
2011 2012 2013 2014 2015
20.00%
15.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
Years
9- Return On Equity
= 0.00%
= 0.00%
= 0.00%
= 0.00%
= 0.00%
Return On Equity
30.00%
25.00%
20.00%
15.00% 36 OF 162
Return On Equity
30.00%
25.00%
Suez Canal Bank :Financial Ratios
20.00%
15.00%
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
-15.00%
-20.00%
Years
Suez Canal Bank
IA
= 0.00%
= 0.00%
= 0.00%
= 0.00%
37 OF 162
Suez Canal Bank :Financial Ratios
= 0.00%
Return On Assets
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
-15.00%
-20.00%
Years
Suez Canal Bank
IA
Evaluation Group
11- P/E Ratio
38 OF 162
Suez Canal Bank :Financial Ratios
P/E Ratio
12.00
10.00
8.00
6.00
4.00
2.00
0.00
2011 2012 2013 2014 2015
Years
IA
39 OF 162
,000) /(14,085,164,000-4,400,000)
4,000 ) /(15,211,157,000-8,600,000)
,000 ) /(16,351,828,000-12,900,000)
,000 ) /(18,399,316,000-26,200,000)
6,000) /(21,143,976,000)
2015 40 OF 162
2015
15,898,729,000
17,065,374,000
18,294,193,000
20,295,921,000
22,950,025,000
41 OF 162
2015
42 OF 162
4 2015
84,000-17,720,000)
7,753,000- 19,904,000 )
,267,000-19,770,000 )
0,607,000-20,929,000 )
43 OF 162
6,345,000- 19,256,000)
4 2015
nal Bank
44 OF 162
4 2015
al Bank
45 OF 162
4 2015
Bank IA
46 OF 162
782,000 /360 )
days
6,022,000 /360 )
days
9,875,000 /360 )
days
3,823,000 /360 )
days
0,146,000 /360 )
days
014 2015
nal Bank
47 OF 162
014 2015
nal Bank
48 OF 162
2015
2015
Canal Bank
49 OF 162
14 2015
Canal Bank
50 OF 162
2015
z Canal Bank
51 OF 162
2015
IA
52 OF 162
CIB Bank :Financial Ratios
Current Assets = Total Assets - Fixed Assets- Held to Maturity
Since there is loans , we considered current liabilities as total liabilities -long term loans
Liquidity Group
1- Current Ratio
= 110.91%
= 107.83%
= 106.99%
= 103.82%
= 103.86%
Current Ratio
112.00%
110.00%
108.00%
106.00%
104.00%
102.00%
100.00%
98.00%
96.00%
53 OF 162
94.00%
2011 2012 2013 2014 2015
104.00%
102.00%
CIB Bank :Financial Ratios
100.00%
98.00%
96.00%
94.00%
2011 2012 2013 2014 2015
Years
CIB IA
Debit Group
2- Debit Ratio
= 89.58%
= 88.02%
= 89.35%
= 89.69%
= 90.79%
Debit Ratio
93.00%
92.00%
91.00%
90.00%
89.00%
54 OF 162
88.00%
91.00%
90.00%
CIB Bank :Financial Ratios
89.00%
88.00%
87.00%
86.00%
85.00%
2011 2012 2013 2014 2015
Years
CIB
IA
= 23.9255747685
= 27.4375448362
= 29.0098408401
= 28.8834367321
= 20.5363735252
400
350
300 55 OF 162
Time Interest Earned
450
CIB Bank :Financial Ratios
400
350
300
250
200
150
100
50
0
2011 2012 2013 2014 2015
-50
Years
CIB IA
Activity Group
4- Current Assets Turnover
= 0.0642549108 times
= 0.0876490403 times
= 0.0875674589 times
= 0.0865130942 times
56 OF 162
CIB Bank :Financial Ratios
e) Current Assets Turnoveron 2015 = 14,765,337,000 /(179,193,091,000- 1,107,905,000-9,261,220,000 )
= 0.0874599581 times
0.0900
0.0800
0.0700
0.0600
T
i 0.0500
m
e
s 0.0400
0.0300
0.0200
0.0100
0.0000
2011 2012 2013 2014 2015
Years CIB IA
= 8.1986918165 times
= 1.6043890187 times
= 1.8459637742 times
57 OF 162
CIB Bank :Financial Ratios
= 1.138695275 times
= 1.4239713573 times
8.0000
7.0000
6.0000
T 5.0000
i
m
e 4.0000
s
3.0000
2.0000
1.0000
0.0000
2011 2012 2013 2014 2015
Years CIB IA
= 0.0637552473 times
58 OF 162
CIB Bank :Financial Ratios
= 0.083108744 times
= 0.083601627 times
= 0.0804043247 times
= 0.0823990307 times
0.0800
0.0700
0.0600
T 0.0500
i
m
e 0.0400
s
0.0300
0.0200
0.0100
0.0000
2011 2012 2013 2014 2015
Years CIB IA
59 OF 162
CIB Bank :Financial Ratios
7- Average Collection Period
= 557.1578849811
= 365.1296454429
= 336.6733696141
= 289.247668841
= 512.0661858243
800
700
600
D 500
a
y 400
s
300
200
100
0
2011 2012 2013 2014 2015
Years CIB IA
60 OF 162
100
0
2011
CIB Bank :Financial
2012 2013
Ratios 2014 2015
Years CIB IA
Profitability Group
8- Net Profit Margin
= 32.03%
= 28.07%
= 27.50%
= 31.58%
= 31.43%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00% 61 OF 162
2011 2012 2013 2014 2015
25.00%
20.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
Years
CIB IA
9- Return On Equity
= 24.38%
= 24.18%
= 27.53%
= 32.66%
= 39.09%
Return On Equity
50.00%
40.00%
30.00%
62 OF 162
20.00%
50.00%
20.00%
10.00%
0.00%
2011 2012 2013 2014 2015
-10.00%
-20.00%
-30.00%
Years
CIB IA
= 2.04%
= 2.33%
= 2.30%
= 2.54%
= 2.59%
63 OF 162
CIB Bank :Financial Ratios
Return On Assets
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
-15.00%
-20.00%
Years
CIB IA
Evaluation Group
11- P/E Ratio
= 4.19
= 5.52
64 OF 162
CIB Bank :Financial Ratios
c) P/E ratio on 2013 = 32.6 / 2.67
= 12.21
= 13.86
= 10.67
P/E Ratio
16.00
14.00
12.00
10.00
8.00
6.00
4.00
2.00
0.00
2011 2012 2013 2014 2015
Years
CI
B
IA
65 OF 162
20 ) /(76,706,874,758-99,333,376)
3,328 ) /(83,094,183,788-80,495,238)
220,000 ) / (162,681,478,000-131,328,000)
66 OF 162
2015
2015
67 OF 162
2015
68 OF 162
4 2015
CIB IA
75,294-29,092,920 )
27,896-4,205,753,328 )
538,516-4,187,173,991 )
2,296,000-9,160,746,000 )
69 OF 162
07,905,000-9,261,220,000 )
4 2015
IA
70 OF 162
14 2015
IA
71 OF 162
4 2015
IA
72 OF 162
9,248,277 /360 )
days
5,913,494 /360 )
days
9,874,663 /360 )
days
49,834,000 /360 )
days
65,337,000 /360 )
days
4 2015
IA
73 OF 162
4 2015
IA
74 OF 162
2015
2015
IA
75 OF 162
2015
CIB IA
76 OF 162
2015
IB IA
77 OF 162
2015
CI
B
IA
78 OF 162
ADIB Bank :Financial Ratios
Current Assets = Total Assets - Fixed Assets- Held to Maturity
Liquidity Group
1- Current Ratio
= 103.58%
= 102.60%
= 103.34%
= 104.22%
= 104.24%
Current Ratio
110.00%
108.00%
106.00%
104.00%
102.00%
100.00%
79 OF 162
98.00%
106.00%
104.00%
100.00%
98.00%
96.00%
2011 2012 2013 2014 2015
Years
ADIB IA
Debit Group
2- Debit Ratio
= 94.94%
= 95.71%
= 95.33%
= 94.20%
= 94.43%
Debit Ratio
97.00%
96.00%
95.00%
94.00%
93.00% 80 OF 162
97.00%
96.00%
ADIB Bank :Financial Ratios
95.00%
94.00%
93.00%
92.00%
91.00%
90.00%
89.00%
88.00%
87.00%
2011 2012 2013 2014 2015
Years
ADIB
IA
= -302.4709183673
= -1201.3496280553
= 7.0391041593
= 33.3069977427
= 69.3356971291
200
0
2011 2012 2013 2014 201
-200
-400
-600
-800
-1000
-1200
-1400
Years
ADIB IA
Activity Group
4- Current Assets Turnover
= 0.054076615 times
= 0.0709454848 times
82 OF 162
ADIB Bank :Financial Ratios
= 0.076109136 times
= 0.0763650857 times
= 0.0838138134 times
0.0800
0.0700
0.0600
T 0.0500
i
m 0.0400
e
s
0.0300
0.0200
0.0100
0.0000
2011 2012 2013 2014 2015
ADIB IA
Years
83 OF 162
ADIB Bank :Financial Ratios
a) Fixed Assets Turnover on 2011 = 731,578,089 / ( 218,106,277+23,601,808)
= 3.0267009438 times
= 3.860351243 times
= 5.0468830817 times
= 4.1103562663 times
= 5.2908101457 times
5.0000
4.0000
T
i 3.0000
m
e
s
2.0000
1.0000
0.0000
2011 2012 2013 2014 2015
ADIB IA
Years
84 OF 162
ADIB Bank :Financial Ratios
= 0.0531274129 times
= 0.0696651791 times
= 0.0749784295 times
= 0.0749721995 times
= 0.0825067907 times
0.0800
0.0700
0.0600
T 0.0500
i
m 0.0400
e
s
0.0300
0.0200
0.0100
0.0000
2011 2012 2013 2014 2015
ADIB IA
Years
85 OF 162
0.0200
0.0100
= 692.6024472556
= 607.9737287944
= 37.2473860223
= 295.9153993829
= 345.5525635187
800
700
600
D 500
a 86 OF 162
y 400
s
900
800
ADIB Bank :Financial Ratios
700
600
D 500
a
y 400
s
300
200
100
0
2011 2012 2013 2014 2015
Years ADIB IA
Profitability Group
8- Net Profit Margin
= -76.66%
= -84.26%
= -8.36%
87 OF 162
ADIB Bank :Financial Ratios
= 18.04%
= 31.50%
20.00%
0.00%
2011 2012 2013 2014 2015
-20.00%
-40.00%
-60.00%
-80.00%
-100.00%
Years
ADIB IA
9- Return On Equity
= -79.12%
= -136.84%
88 OF 162
ADIB Bank :Financial Ratios
= -13.43%
= 22.84%
= 46.69%
Return On Equity
100.00%
50.00%
0.00%
2011 2012 2013 2014 2015
-50.00%
-100.00%
-150.00%
Years
ADIB IA
89 OF 162
ADIB Bank :Financial Ratios
= -76.66%
= -84.26%
= -8.36%
= 18.04%
= 31.50%
Return On Assets
40.00%
20.00%
0.00%
2011 2012 2013 2014 2015
-20.00%
-40.00%
-60.00%
-80.00%
-100.00%
Years
ADIB IA
90 OF 162
ADIB Bank :Financial Ratios
Evaluation Group
11- P/E Ratio
= -17.41
= -5.97
= 25.98
= 19.17
= 13.12
P/E Ratio
30.00
25.00
20.00
15.00
10.00
5.00
0.00
2011 2012 2013 2014 2015
-5.00
-10.00
-15.00
91 OF 162
-20.00
15.00
10.00
5.00
ADIB Bank :Financial Ratios
0.00
2011 2012 2013 2014 2015
-5.00
-10.00
-15.00
-20.00
Years
ADI
B
IA
92 OF 162
13,061,473,055
13,939,856,000
15,631,958,000
18,495,139,000
22,344,283,000
93 OF 162
2014 2015
13,767,915,000
14,564,622,000
16,397,396,000
19,634,558,000
23,661,313,000
94 OF 162
2015
95 OF 162
2014 2015
ADIB IA
6,277-23,601,808 )
084,000 -18,754,000 )
96 OF 162
425,000-12,181,000 )
576,000-2,555,000 )
152,000-10,831,000 )
4 2015
B IA
97 OF 162
14 2015
B IA
98 OF 162
4 2015
B IA
99 OF 162
4 2015
B IA
78,089 /360 )
days
,647,000 /360 )
days
,451,000 /360 )
days
,046,000 /360 )
days
,219,000 /360 )
days
100 OF 162
4 2015
IA
101 OF 162
2015
IA
102 OF 162
2014 2015
ADIB IA
103 OF 162
2015
IA
104 OF 162
2015
105 OF 162
2015
ADI
B
IA
106 OF 162
HDB Bank :Financial Ratios
Current Assets = Total Assets - Fixed Assets- Held to Maturity
Since there is loans , we considered current liabilities as total liabilities -long term loans
Liquidity Group
1- Current Ratio
= 125.52%
= 126.85%
= 123.02%
= 113.71%
= 111.50%
Current Ratio
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
107 OF 162
20.00%
100.00%
80.00%
40.00%
20.00%
0.00%
2011 2012 2013 2014 2015
Years
HDB IA
Debit Group
2- Debit Ratio
= 85.36%
= 83.83%
= 85.52%
= 89.43%
= 90.24%
Debit Ratio
94.00%
92.00%
90.00%
88.00%
108 OF 162
94.00%
92.00%
HDB Bank :Financial Ratios
90.00%
88.00%
86.00%
84.00%
82.00%
80.00%
78.00%
2011 2012 2013 2014 2015
Years
HDB
IA
= 26.7813952437
= 35.9609318181
= 33.7242346303
= 34.9424569936
= 46.7221060272
400
350
300
250
200
150
100
50
0
2011 2012 2013 2014 2015
-50
Years
HDB IA
Activity Group
4- Current Assets Turnover
= 0.0773681726 times
= 0.1034084404 times
110 OF 162
HDB Bank :Financial Ratios
= 0.0843870756 times
= 0.0590217421 times
= 0.0777915746 times
0.1000
0.0800
T
i 0.0600
m
e
s
0.0400
0.0200
0.0000
2011 2012 2013 2014 2015
Years HDB IA
111 OF 162
HDB Bank :Financial Ratios
a) Fixed Assets Turnover on 2011 = 1,012,002,483 / (131,958,784+816,052,104 )
= 1.0675009072 times
= 1.2144463033 times
= 1.3597450976 times
= 1.0804648912 times
= 1.0319036351 times
3.0000
2.5000
T 2.0000
i
m
e 1.5000
s
1.0000
0.5000
0.0000
2011 2012 2013 2014 2015
Years HDB IA
112 OF 162
HDB Bank :Financial Ratios
= 0.0721397721 times
= 0.0952942643 times
= 0.0794559629 times
= 0.0559646057 times
= 0.0723382492 times
0.1000
0.0800
T
i 0.0600
m
e
s
0.0400
0.0200
113 OF 162
0.0000
i 0.0600
m
e
s
0.0400 HDB Bank :Financial Ratios
0.0200
0.0000
2011 2012 2013 2014 2015
Years HDB IA
= 371.7832125517
= 145.6402548086
= 354.0279412194
= 625.2436594866
= 1298.426539492
1400
1200
1000
800
D
a
y
s 600
400
200
0
2011 2012 2013 2014 2015
Years
HDB IA
Profitability Group
8- Net Profit Margin
= 17.32%
= 17.81%
= 21.28%
115 OF 162
HDB Bank :Financial Ratios
= 25.74%
= 26.80%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
Years HDB IA
9- Return On Equity
= 8.53%
= 10.50%
116 OF 162
HDB Bank :Financial Ratios
= 11.68%
= 13.62%
= 19.86%
Return On Equity
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
-15.00%
-20.00%
Years
HDB IA
117 OF 162
HDB Bank :Financial Ratios
= 1.25%
= 1.70%
= 1.69%
= 1.44%
= 1.94%
Return On Assets
10.00%
5.00%
0.00%
2011 2012 2013 2014 2015
-5.00%
-10.00%
-15.00%
-20.00%
Years
HDB IA
118 OF 162
HDB Bank :Financial Ratios
Evaluation Group
11- P/E Ratio
= 8.10
= 8.53
= 10.60
= 12.98
= 6.73
P/E Ratio
14.00
12.00
10.00
8.00
6.00
4.00
8.00
6.00
HDB Bank :Financial Ratios
4.00
2.00
0.00
2011 2012 2013 2014 2015
HDB
Years IA
120 OF 162
104 ) /(11,974,178,548-1,553,203,725)
,080 ) /(10,901,829,882-1,454,683,831)
241)/(12,478,654,955-1,310,172,822)
363 ) /(19,003,263,418-1,282,752,169)
6,626 ) / (22,864,400,373-1,733,573,212)
121 OF 162
2014 2015
14,028,357,001
13,004,277,116
14,592,349,542
21,250,410,606
25,337,981,504
122 OF 162
2015
123 OF 162
014 2015
HDB IA
958,784-816,052,104 )
249,811-866 ,160,080 )
124 OF 162
681,743-701,014,241)
633,548-939,069,363 )
520,184-1,533,716,626 )
4 2015
IA
125 OF 162
14 2015
IA
126 OF 162
127 OF 162
4 2015
IA
,002,483 /360 )
days
,233,020 /360 )
days
,449,184 /360 )
days
,270,851 /360 )
days
,905,221 /360 )
days
128 OF 162
4 2015
IA
129 OF 162
2015
IA
130 OF 162
2014 2015
HDB IA
131 OF 162
2015
IA
132 OF 162
133 OF 162
2015
HDB
IA
134 OF 162
Industry Ratios :Financial Ratios
Liquidity Group
1- Current Ratio
Current Ratio
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2011 2012 2013 2014 2015
El Baraka Bank IA
Years Suez Canal Bank
CIB ADIB HDB
40.00%
20.00%
Industry Ratios :Financial Ratios
0.00%
2011 2012 2013 2014 2015
El Baraka Bank IA
Years Suez Canal Bank
CIB ADIB HDB
Debit Group
2- Debit Ratio
Debit Ratio
100.00%
95.00%
90.00%
85.00%
95.00%
90.00%
Industry Ratios :Financial Ratios
85.00%
80.00%
75.00%
2011 2012 2013 2014 2015
Years
Debit Ratio
350000.00%
300000.00%
250000.00%
200000.00%
150000.00%
100000.00%
350000.00%
300000.00%
150000.00%
100000.00%
50000.00%
0.00%
2011 2012 2013 2014 2015
-50000.00%
-100000.00%
-150000.00%
Years
Activity Group
4- Current Assets Turnover
0.1000
0.0800
T
i 0.0600
m
e
s
0.0400
0.0200
0.0000
2011 2012 2013 2014 2015
Years
El Baraka Bank IA Suez Canal Bank CIB ADIB HDB
8.0000
7.0000
6.0000
T 5.0000
i
m
e 4.0000
s
3.0000
2.0000
1.0000
0.0000
2011 2012 2013 2014 2015
Years
IA El Baraka Bank Suez Canal Bank CIB ADIB HDB
1.0000
0.0000
2011 2012 2013 2014 2015
Industry
IA ElRatios
Baraka Bank :Financial
Years
Ratios
Suez Canal Bank CIB ADIB HDB
0.1000
0.0800
T
i 0.0600
m
e
s
0.0400
0.0200
T
i 0.0600
m
e
s
0.0200
0.0000
2011 2012 2013 2014 2015
Years
El Baraka Bank IA Suez Canal Bank CIB ADIB HDB
1400
1200
1000
800
D
a
1200
800
D
a
y
s 600
400
200
0
2011 2012 2013 2014 2015
Years
El Baraka Bank IA Suez Canal Bank CIB ADIB HDB
Profitability Group
8- Net Profit Margin
40.00%
20.00%
0.00%
2011 2012 2013 2014 2015
-20.00%
-40.00%
-60.00%
-80.00%
-100.00%
Years
9- Return On Equity
Return On Equity
100.00%
50.00%
0.00%
2011 2012 2013 2014 2015
-50.00%
-100.00%
-150.00%
Years
El Baraka Bank IA Suez Canal Bank CIB ADIB
HDB
Industry Ratios :Financial Ratios
Return On Assets
40.00%
20.00%
0.00%
2011 2012 2013 2014 2015
-20.00%
-40.00%
-60.00%
-80.00%
-100.00%
-60.00%
-100.00%
Years
Evaluation Group
11- P/E Ratio
P/E Ratio
30.00
25.00
20.00
15.00
10.00
5.00
0.00
25.00
20.00
15.00
Industry Ratios :Financial Ratios
10.00
5.00
0.00
2011 2012 2013 2014 2015
-5.00
-10.00
-15.00
-20.00
Years
107.62%
106.96%
106.02%
101.85%
100.30%
2015
2015
IA
90.48%
90.11%
90.64%
91.60%
92.49%
2015
HDB
IA
-21.72
396.74
23.96
29.66
37.45
2015
HDB
IA
0.0706
0.0856
0.0841
0.0793
0.0853
2015
HDB
IA
2.9631
1.9256
2.3183
1.9334
2.3009
2015
HDB
2015
HDB
IA
0.0657
0.0790
0.0781
0.0714
0.0763
2015
HDB
IA
533.3913
331.0000
272.3538
435.4059
785.0423
2015
HDB
IA
-3.77%
-5.71%
10.27%
17.60%
20.24%
2015
HDB
IA
-7.02%
-17.79%
8.00%
17.22%
24.69%
2015
ADIB
IA
-14.04%
-15.36%
-0.15%
5.14%
7.94%
2015
ADIB HDB
IA
0.1383
3.3252
11.2765
10.6275
7.2956
2015
HDB