Table 2: the Income statement items for CIB

Y 2010 Y 2009 % of Change % of Total Assets

2010 2009
Interest and similar income EGP 4,525,477,709 EGP 4,032,638,862 0.12 0.060 0.063
Interest expense and similar
charges -2,267,786,715 -2,002,606,660 10.32 -0.030 -0.031
Net Interest Income 2,257,690,995 2,030,032,202 0.11 0.030 0.032
Fees & Commissions Income 939,363,185 830,270,817 0.13 0.012 0.013
Fees & Commissions Expense -85,056,559 -64,831,578 0.31 -0.001 -0.001
Net Fees and Commissions
Income 854,306,626 765,439,239 0.12 0.011 0.012
Dividends Income 165,539,152 133,473,178 0.24 0.002 0.002
Net Trading Income 427,402,497 419,294,504 0.02 0.006 0.007
Profit from Financial
Investments 261,754,102 65,796,382 2.98 0.003 0.001
Goodwill Amortization -40,093,445 -0- -100.00 -0.0005 0.0000
Administrative Expenses -1,324,853,724 -1,170,802,794 0.13 -0.018 -0.018
Other Operating (Expenses)
Income -30,594,217 -80,311,607 -0.62 -0.0004 -0.0012
Return (Losses) Of Impairment
From Loans -6,163,496 -9,184,858 -0.33 -0.0001 -0.0001
Intangible Assets Amortization -196,651,202 -67,467,240 1.91 -0.003 -0.001
Bank's share in the profits of
associates -4,365,556 9,076,636 -1.48 -0.0001 0.0001
Net Profit Before Tax 2,363,971,731 2,095,345,642 0.13 0.031 0.033
Income Tax -435,838,152 -366,109,247 0.19 -0.006 -0.006
Deferred Tax 78,770,242 16,259,820 3.84 0.001 0.000
Net Profit After Tax 2,006,903,821 1,745,496,216 0.15 0.027 0.027
Minority Interest 1,358,316 1,527,866 -0.11 0.00002 0.00002
Bank Shareholders 2,005,545,505 1,743,968,350 0.15 0.027 0.027
Earnings Per Share
Basic 2.79 2.61 0.07
Diluted 2.74 2.57 0.07
 Table 3 The CIB profitability ratios

2010 2009 % of Change

Total operating revenues EGP 6,319,536,645 EGP 5,490,550,379 0.15
Total operating expenses 3,955,564,914 3395204737 0.17
Net income before tax 2,363,971,731 2,095,345,642 0.13
Taxes (net) 357,067,910 349,849,427 0.02
Net income after tax (NIAT) 2,006,903,821 1,745,496,216 0.15
Interest income 4,525,477,709 4,032,638,862 0.12
Interest expense 2,267,786,715 2,002,606,660 0.34
Non-interest income 939,363,185 830,270,817 0.13
Non- interest expenses 1,683,412,643 1,392,598,077 0.31
Special transactions affecting its net 844,166,699 618,455,842 0.36
income
Total earning assets 35,174,540,933 27,443,072,329 0.28
Total interest bearing bank liabilities 63,493,290,704 54,741,891,564 0.16
Profitability ratios
ROE (%) 0.233 0.296 -0.063
ROA (%) 0.0266 0.0272 -0.001
Equity multiplier (EM) 8.751 9.076 -0.325
Net profit margin (NPM) 0.3176 0.3179 -0.003
Asset utilization ratio (AU) 0.084 0.085 -0.002
Tax management efficiency 1.334 1.189 0.144
Expense control efficiency 0.170 0.267 -0.097
Net interest margin 0.030 0.032 -0.002
Net non-interest margin -0.010 -0.009 -0.001
Net operating margin 0.031 0.033 -0.001
Earnings per share 2.790 2.610 0.180
Earnings spread 0.093 0.11 -0.017