QNB ALAHLI Enjoys a Blend of Local Experience, Based on Years of Confidence in the Egyptian Market, and the International Expertise of QNB Group
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Ecobank Group Annual Report 2018 Building
BUILDING AFRICA’S FINANCIAL FUTURE ECOBANK GROUP ANNUAL REPORT 2018 BUILDING AFRICA’S FINANCIAL FUTURE ECOBANK GROUP ANNUAL REPORT 2018 ECOBANK GROUP ANNUAL REPORT CONTENTS 05 Performance Highlights 08 Ecobank is the leading Pan-African Banking Institution 09 Business Segments 10 Our Pan-African Footprint 15 Board and Management Reports 16 Group Chairman’s Statement 22 Group Chief Executive’s Review 32 Consumer Bank 36 Commercial Bank 40 Corporate and Investment Bank 45 Corporate Governance 46 Board of Directors 48 Directors’ Biographies 53 Directors’ Report 56 Group Executive Committee 58 Corporate Governance Report 78 Sustainability Report 94 People Report 101 Risk Management 141 Business and Financial Review 163 Financial Statements 164 Statement of Directors’ Responsibilities 165 Auditors’ Report 173 Consolidated Financial Statements 178 Notes to Consolidated Financial Statements 298 Five-year Summary Financials 299 Parent Company’s Financial Statements 305 Corporate Information 3 ECOBANK GROUP ANNUAL REPORT 3 PERFORMANCE HIGHLIGHTS 5 ECOBANK GROUP ANNUAL REPORT PERFORMANCE HIGHLIGHTS For the year ended 31 December (in millions of US dollars, except per share and ratio data) 2018 2017 Selected income statement data Operating income (net revenue) 1,825 1,831 Operating expenses 1,123 1,132 Operating profit before impairment losses & taxation 702 700 Impairment losses on financial assets 264 411 Profit before tax 436 288 Profit for the year 329 229 Profit attributable to ETI shareholders 262 179 Profit attributable per share ($): Basic -
Hydrostratigraphic Characterization of Groundwater Systems in Khatatba Area Using Vertical Electric Sounding and Well Log Data, Sw Nile Delta, Egypt
ISSN 2321 – 9149 IJAEES (2014) Vol.2, No.1, 39-50 Research Article International Journal of Advancement in Earth and Environmental Sciences HYDROSTRATIGRAPHIC CHARACTERIZATION OF GROUNDWATER SYSTEMS IN KHATATBA AREA USING VERTICAL ELECTRIC SOUNDING AND WELL LOG DATA, SW NILE DELTA, EGYPT Abdulaziz M. Abdulaziz Mining, Petroleum, and Metallurgical Engineering Department, Faculty of Engineering, Cairo University, Giza, Egypt ( [email protected]) --------------------------------------------------------------------------------------------------------------------------------------- ABSTRACT: The study area represents the western extension of the Nile Delta flood plain at the contact of the desert, where the importance of ground water is rising. This requires a thorough understanding to the developed groundwater systems, particularly the shallow aquifers. In this study, well log data was integrated to a Vertical Electric Sounding (VES) survey acquired using Schlumberger configuration at the Khatatba area to characterize the aquifer systems. The results were interpreted using the published stratigraphic data of the study area, and consequently the extension of the identified aquifers can be laterally correlated. Two aquifer systems separated by an aquitard or basaltic layer were mapped and characterized in details. The upper aquifer corresponds to El Khashab formation that produces fresh to brackish water and generally shows unconfined condition that could locally change to partially semi confined. The second aquifer is commonly confined -
Country Advice Egypt Egypt – EGY37024 – Treatment of Anglican Christians in Al Minya 2 August 2010
Country Advice Egypt Egypt – EGY37024 – Treatment of Anglican Christians in Al Minya 2 August 2010 1. Please provide detailed information on Al Minya, including its location, its history and its religious background. Please focus on the Christian population of Al Minya and provide information on what Christian denominations are in Al Minya, including the Anglican Church and the United Coptic Church; the main places of Christian worship in Al Minya; and any conflict in Al Minya between Christians and the authorities. 1 Al Minya (also known as El Minya or El Menya) is known as the „Bride of Upper Egypt‟ due to its location on at the border of Upper and Lower Egypt. It is the capital city of the Minya governorate in the Nile River valley of Upper Egypt and is located about 225km south of Cairo to which it is linked by rail. The city has a television station and a university and is a centre for the manufacture of soap, perfume and sugar processing. There is also an ancient town named Menat Khufu in the area which was the ancestral home of the pharaohs of the 4th dynasty. 2 1 „Cities in Egypt‟ (undated), travelguide2egypt.com website http://www.travelguide2egypt.com/c1_cities.php – Accessed 28 July 2010 – Attachment 1. 2 „Travel & Geography: Al-Minya‟ 2010, Encyclopædia Britannica, Encyclopædia Britannica Online, 2 August http://www.britannica.com/EBchecked/topic/384682/al-Minya – Accessed 28 July 2010 – Attachment 2; „El Minya‟ (undated), touregypt.net website http://www.touregypt.net/elminyatop.htm – Accessed 26 July 2010 – Page 1 of 18 According to several websites, the Minya governorate is one of the most highly populated governorates of Upper Egypt. -
Base Prospectus
BASE PROSPECTUS QNB FİNANSBANK A.Ș. US$5,000,000,000 Global Medium Term Note Programme Under this Global Medium Term Note Programme (the “Programme”), QNB Finansbank A.Ș., a banking institution organised as a joint stock company under the laws of the Republic of Turkey (“Turkey”) registered with the İstanbul Trade Registry under number 237525 (the “Bank” or the “Issuer”), may from time to time issue notes (the “Notes”) denominated in any currency agreed between the Issuer and the relevant Dealer(s) (as defined below) or investor(s). Notes may be issued in either bearer or registered form (respectively, “Bearer Notes” and “Registered Notes”); provided that the Notes may be offered and sold in the United States only in registered form except in certain transactions permitted by U.S. tax regulations. As of the time of each issuance of Notes, the maximum aggregate nominal amount of all Notes outstanding under the Programme will not exceed US$5,000,000,000 (or its equivalent in other currencies calculated as described in the Programme Agreement described herein), subject to increase as described herein. The Notes may be issued from time to time to: (a) one or more of the Dealers specified under “General Description of the Programme - The Programme” and any additional Dealer(s) appointed under the Programme from time to time by the Issuer (each a “Dealer”), which appointment may be for a specific issue or on an ongoing basis, and/or (b) one or more investor(s) purchasing Notes (or beneficial interests therein) directly from the Issuer. INVESTING IN THE NOTES INVOLVES RISKS. -
New Neighborhood Power
REPORT WORLD New Neighborhood Power Informal Popular Committees and Changing Local Governance in Egypt FEBRUARY 7, 2017 — CILJA HARDERS AND DINA WAHBA PAGE 1 After the uprising of 2011, new forms of political participation emerged, among them the popular committees (lijan sha’abiyah). Initially convened mainly to ensure security at the neighborhood level, the committees came to life after the withdrawal of police forces from the public in Cairo, Alexandria, Suez, Port Said, and many towns of the Nile Delta. After the initial eighteen days of the Egyptian revolution, the popular committees expanded their activities and, in different ways in different places, became vehicles to advocate for local needs through informal and formal channels. To a limited degree, the committees gave voice to groups and individuals that had been marginalized. Drawing on original fieldwork in several neighborhoods of Cairo and Giza, the authors argue that the committees embody a new form of political participation in Egypt, which has endured despite the country’s sharp return to authoritarianism. Although the committee are varied and imperfectly democratic, they are a dividend of the revolution that will continue to be relevant in Egypt’s political future. In the night of January 28, 2011, as police forces retreated from the public after massive attacks on police stations all over Egypt, an unprecedented form of local political organization was born.1 Residents in both poor and rich areas of Cairo and other cities drew on their neighborhood networks to form so-called “popular committees.” The groups’ first and foremost aim was safeguarding their lives and assets under circumstances of extreme uncertainty and the threat of repression. -
Mints – MISR NATIONAL TRANSPORT STUDY
No. TRANSPORT PLANNING AUTHORITY MINISTRY OF TRANSPORT THE ARAB REPUBLIC OF EGYPT MiNTS – MISR NATIONAL TRANSPORT STUDY THE COMPREHENSIVE STUDY ON THE MASTER PLAN FOR NATIONWIDE TRANSPORT SYSTEM IN THE ARAB REPUBLIC OF EGYPT FINAL REPORT TECHNICAL REPORT 11 TRANSPORT SURVEY FINDINGS March 2012 JAPAN INTERNATIONAL COOPERATION AGENCY ORIENTAL CONSULTANTS CO., LTD. ALMEC CORPORATION EID KATAHIRA & ENGINEERS INTERNATIONAL JR - 12 039 No. TRANSPORT PLANNING AUTHORITY MINISTRY OF TRANSPORT THE ARAB REPUBLIC OF EGYPT MiNTS – MISR NATIONAL TRANSPORT STUDY THE COMPREHENSIVE STUDY ON THE MASTER PLAN FOR NATIONWIDE TRANSPORT SYSTEM IN THE ARAB REPUBLIC OF EGYPT FINAL REPORT TECHNICAL REPORT 11 TRANSPORT SURVEY FINDINGS March 2012 JAPAN INTERNATIONAL COOPERATION AGENCY ORIENTAL CONSULTANTS CO., LTD. ALMEC CORPORATION EID KATAHIRA & ENGINEERS INTERNATIONAL JR - 12 039 USD1.00 = EGP5.96 USD1.00 = JPY77.91 (Exchange rate of January 2012) MiNTS: Misr National Transport Study Technical Report 11 TABLE OF CONTENTS Item Page CHAPTER 1: INTRODUCTION..........................................................................................................................1-1 1.1 BACKGROUND...................................................................................................................................1-1 1.2 THE MINTS FRAMEWORK ................................................................................................................1-1 1.2.1 Study Scope and Objectives .........................................................................................................1-1 -
Directory of Development Organizations
EDITION 2010 VOLUME I.A / AFRICA DIRECTORY OF DEVELOPMENT ORGANIZATIONS GUIDE TO INTERNATIONAL ORGANIZATIONS, GOVERNMENTS, PRIVATE SECTOR DEVELOPMENT AGENCIES, CIVIL SOCIETY, UNIVERSITIES, GRANTMAKERS, BANKS, MICROFINANCE INSTITUTIONS AND DEVELOPMENT CONSULTING FIRMS Resource Guide to Development Organizations and the Internet Introduction Welcome to the directory of development organizations 2010, Volume I: Africa The directory of development organizations, listing 63.350 development organizations, has been prepared to facilitate international cooperation and knowledge sharing in development work, both among civil society organizations, research institutions, governments and the private sector. The directory aims to promote interaction and active partnerships among key development organisations in civil society, including NGOs, trade unions, faith-based organizations, indigenous peoples movements, foundations and research centres. In creating opportunities for dialogue with governments and private sector, civil society organizations are helping to amplify the voices of the poorest people in the decisions that affect their lives, improve development effectiveness and sustainability and hold governments and policymakers publicly accountable. In particular, the directory is intended to provide a comprehensive source of reference for development practitioners, researchers, donor employees, and policymakers who are committed to good governance, sustainable development and poverty reduction, through: the financial sector and microfinance, -
Avaris, Which Had Been Considered As the Main Capital of Hyksos (Dynasty XV) from 1650 to 1542 B.C
Mediterranean Archaeology and Archaeometry, Vol. 11, No.1, pp. 51‐58 Copyright © 2011 MAA Printed in Greece. All rights reserved. GEOPHYSICAL INVESTIGATION AT TELL EL‐DABAA ʺAVA RISʺ ARCHAEOLOGICAL SITE A.I. Taha,1, G. El‐Qady1, M.A. Metwaly1,2, U. Massoud1 1National Research Institute of Astronomy and Geophysics (NRIAG), 11722, Helwan, Cairo, Egypt 2King Saud University, Saudi Arabia Received: 06/04/2010 Accepted: 24/04/2010 Corresponding author: [email protected] ABSTRACT Tell El –Dabaa is one of the important archaeological sites in the Eastern part of the Nile Delta. It is located at about 7 km north of Faqous city, Sharqiya governorate, Egypt. The ancient name of El‐ Dabaa area was Avaris, which had been considered as the main capital of Hyksos (Dynasty XV) from 1650 to 1542 B.C. The whole area was covered by the deltaic deposits during the successive flood events along Nile Delta. Geomagnetic and geoelectric surveys have been carried out in order to outline the subsurface archaeological remains in this area. The target area, which is about 10000 m2, was surveyed in grid pattern each of 20x 10 m for magnetic survey and 20 × 20 m for geoelectri‐ cal resistance survey. Integrated results of the magnetic and geoelectric data analysis have suc‐ ceeded in delineating a clear subsurface picture of archaeological remains. The results show many linear anomalies, which may represent buried walls, as well as some small archaeological remains detached from the main walls. Also, we could notice some rectangular features with different sizes, which might be described as remains of different archaeological buildings. -
Housing & Development Bank Group
INDEX Notes to the Separate Housing & Development Bank Financial Statements Vision & Mission 4 Notes to the Separate Financial Statements 56 Shareholding Structure 6 Financial Highlights 8 Chairman’s Forward 10 Head Office and Branches Head Office and Branches 117 Management of the Bank Board of Directors 18 Housing & Development Heads of Divisions, Regionals and Zones 22 Bank Group Bank’s Committees 26 Auditors’ Report 138 Board Statement 30 Consolidated Balance Sheet 140 Consolidated Income Statement 142 Consolidated Cash Flows Statement 144 Separate Financial Reports Consolidated Changes in Shareholders’ Statement 146 Independent Auditors’ Report 42 Separate Balance Sheet 44 Separate Income Statement 46 Separate Cash Flows Statement 48 Notes to Consolidated Financial Statements Separate Changes in Shareholders’ Equity Statement 50 Profit Dividends Statement 52 Notes to Consolidated Financial Statements 150 2 Annual Report 2018 Annual Report 2018 3 Vision & Mission HDBank Vision HDBank Mission To be within the top ten ranked commercial banks in the Striving to excel in providing both banking and real banking sector, while working on sustaining the current estate services as well as mortgage while continuously high operating efficiency. upgrading our human capital to reach a distinguished level of services for our clients to serve their needs and aspirations of the shareholders. 4 Annual Report 2018 Annual Report 2018 5 Shareholding Structure as at 31/12/2018 Share per unit Total share Government Institutions Public Sector Institutions -
Egypt State of Environment Report 2008
Egypt State of Environment Report Egypt State of Environment Report 2008 1 Egypt State of Environment Report 2 Egypt State of Environment Report Acknowledgment I would like to extend my thanks and appreciation to all who contributed in producing this report whether from the Ministry,s staff, other ministries, institutions or experts who contributed to the preparation of various parts of this report as well as their distinguished efforts to finalize it. Particular thanks go to Prof. Dr Mustafa Kamal Tolba, president of the International Center for Environment and Development; Whom EEAA Board of Directors is honored with his membership; as well as for his valuable recommendations and supervision in the development of this report . May God be our Guide,,, Minister of State for Environmental Affairs Eng. Maged George Elias 7 Egypt State of Environment Report 8 Egypt State of Environment Report Foreword It gives me great pleasure to foreword State of Environment Report -2008 of the Arab Republic of Egypt, which is issued for the fifth year successively as a significant step of the political environmental commitment of Government of Egypt “GoE”. This comes in the framework of law no.4 /1994 on Environment and its amendment law no.9/2009, which stipulates in its Chapter Two on developing an annual State of Environment Report to be submitted to the president of the Republic and the Cabinet with a copy lodged in the People’s Assembly ; as well as keenness of Egypt’s political leadership to integrate environmental dimension in all fields to achieve sustainable development , which springs from its belief that protecting the environment has become a necessary requirement to protect People’s health and increased production through the optimum utilization of resources . -
Curriculum Vitae
CURRICULUM VITAE Nationality Egyptian 17th November, 1956 - Giza, Egypt Birth Date & Place Languages Arabic (native), English (Fluent), French (Fluent) Dr. Sahar Attia - Professor of Architecture, Urban Design and Planning, Department of Architecture at the Faculty of Engineering - Cairo University. (CUFE) - MD of Associated Consultants, Head of Planning Professional Title /urban design and Community Development sector. - Urban Development Consultant ACADEMIC & PROFESSIONAL RECORD Academic Degrees 1988 Ph.D., Urban Planning- Urban Institute of Paris – University of Paris 12 – France . (with distinction). Thesis: “Impacts of Rapid Mass Transit System On The Dynamics Of Cairo Agglomeration” 1986 Advanced Studies Diploma in Urban Planning - Urban Institute of Paris, University of Paris 12 - France Specialization: “The Dynamics Of Cairo CBD, Transportation's Issues”. 1984 Master of Science in Architecture - Faculty of Engineering, Cairo, University, Giza, Egypt. (CU) Thesis: “ Factors Affecting The Formation Of The Arabic Islamic Cities, An Analytical Study” 1979 B.Sc. Architectural Engineering, Faculty of Engineering, C.U Key Qualification - 35 Years Of Experience practicing urban planning , community development, Architecture, and Urban Design & in the academic and professional Field. After the Architectural bachelor, I carried out studies in urban Planning , and urban design to achieve a comprehensive education, and practice . - Areas Of Specialization Include: Urban Regeneration, Upgrading the deteriorated and informal areas, Strategic -
PNAAQ378.Pdf
Trn'ot ma..in Ais An M thd e II ar Fial Replot :VOIu rmrdte(pw '(rf Ih Iu VOLUME III PART I Basic Oata Elaboration VOLUME III Transport Planning Aids and Methods for Cairo Urban Area Introduction : the Massachusetts Institute of Since 1977, Cairo University (CU) and in a multi-faceted technology Technology (MIT) have worked cooperatively needs of Egypt. One component of a"aptation program addressing research system in Cairo; within this program has been the urban transportation topics was examined. Before this component, a wide range of research topics, it is useful to first detailing methods and findings of these Research Project. This review the goals of the Urban Transportation professionals in Cairo cooperative effort between MIT and transportation is designed to: planning insti -Improve and broaden capabilities of academic and in Egypt. tutions concerned with transportation data base that can be - Establish a .comprehensive and reliable can be periodically used in transportation studies and that agencies. tested and updated by appropriate governmental planning models and methods - Adapt and calibrate those transport most suitable for Cairo. and - Formulate and test the sensitivity of transportation behavior traffic performance to alternative transportation investment, management, and government policies. agenda, covering These broad goals lead to a rather varied research making, planning, and many aspects of transportation operations, decision made in developing programming. Volume III describes the achievements research agenda. transport planning aids and methods as part of this of which is des There are five major sections to this volume, each cribed briefly below : Basic Data Elaboration, Volume III, Part (1) transport in Cairo and Two traffic surveys-a 1977 survey of private the bdsis for much of the a 1978 survey of public trausport use-form S ii research in this project.