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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 Government Institutions 42.25% New Urban Communities 29.81% Private Sector Houses Finance Fund 7.41% Individuals Egyptian Endowments Authority 5.03% Foreigners Public Sector Institutions 17.23% Misr Company for Life Insurance 8.92% Misr Insurance Company 8.29% Others 0.02% 42.25% Private Sector 2.07% Others 2.07% Individuals 15.68% Yassin Ahmed Mohamed El Shokiery 4.62% Others* 11.06% Foreigners 22.77% Rimco EGT Investment LLC 9.74% 15.68% Rolaco AGB for Investment (owned by Aly El Dayekh) 6.32% Neon Liberty Lorikeet Master 3.57% 17.23 % Norges Bank 2.02% NasRussell Investment Company PLC 1.12% Total 100% 2.07% 22.77% *Others in Individuals are shareholders who own less than 1% of the bank’s shares. 6 Annual Report 2018 Annual Report 2018 7 Financial Highlights 2018 2017 2016 2015 2014 2018 2017 2016 2015 2014 Return Analysis Income (000 EGP) Return on Assets (ROA) % %3.4 2.07 2.01 1.94 1.44 Interest Paid 2 960 642 2 132 732 1 050 717 804 116 687 964 Return on Equity (ROE) % %33.33 30.19 22.68 19.86 13.62 Net Interest Earned 3 147 610 2 554 110 1 690 055 1 028 789 501 307 Earnings per Share (EPS) EGP 12.89 8.50 4.53 3.31 2.02 Stock Dividends 82 502 75 951 64 684 61 591 60 389 Price Earnings (P/E) 3.40 5.65 5.36 6.73 12.98 Activities Gains (Losses) 2 116 701 1 475 785 960 585 661 615 454 413 Assets Allocation Strategy % Other Gains (Losses) 78 384 13 747 (40 544) 13 062 (15 909) Total Investments/Total Assets %12.89 9.13 19.18 19.89 20.34 Net Profit Before Taxes 2195 084 1 489 533 920 041 674 678 438 504 Net Loans/Total Assets %28.48 22.02 29.12 29.63 30.66 Taxes 570 249 414 000 275 879 183 494 132 350 Total Cash /Total Assets %34.85 38.20 34.05 17.67 31.86 Net Profit After Taxes 1 624 835 1 075 533 644 162 491 184 306 154 Income Structure Analysis % Dividend per share 5.0 1.5 2.0 1.5 1.5 Loans Interest Income/Total Income %86.06 81.47 75.08 71.16 65.98 Investment Revenues/Total Income %1.16 1.32 1.77 2.39 3.35 Banking Revenues/Total Income %4.69 5.30 6.95 7.92 7.37 Liquidity Analysis % Cash/Total Deposits %48.8 48.52 47.78 38.16 44.70 Investments/Total Deposits %18.06 11.60 26.92 42.96 28.54 Net Loans/Total Deposits %39.88 27.98 40.86 63.98 43.02 Interest Rate Risk Analysis % Loans Interest/Total Loans %11.97 10.75 10.09 10.03 10.61 Interest Paid/Total Deposits %8.68 5.22 4.61 6.85 4.54 Net Interest/Total Assets %6.59 4.92 5.28 4.06 2.36 Capital Adequacy Analysis % Shareholders’ Equity/Total Assets %10.2 6.86 8.88 9.76 10.57 Deposits/Total Assets %71.4 78.72 42.65 46.31 71.27 Balance Sheet (000 EGP) Cash and Due from Banks 11 235 638 18 560 376 5 520 820 8 523 674 3 424 575 Treasury Bills and Governmental Papers 14 166 957 14 902 696 8 726 807 2 563 942 5 410 470 Loans and Overdrafts (net) 13 609 254 11 439 176 9 313 556 7 506 378 6 514 696 Fixed Assets (net) 696 266 509 761 327 680 242 520 161 634 Total Assets=Liabilities & Shareholders’ Equity 47 791 078 51 939 002 31 985 422 25 337 982 21 250 411 Customers’ Deposits 34 122 070 40 884 974 22 792 304 11 733 151 15 145 097 Total Liabilities 42 916 164 48 376 477 29 145 429 22 864 400 19 003 263 Paid up Capital 1 265 000 1 265 000 1 265 000 1 265 000 1 265 000 Shareholders’ Equity 4 874 914 3562525 2 839 993 2 473 581 2 247 147 8 Annual Report 2018 Annual Report 2018 9 At the beginning of a new fiscal year, I am where the Turkish lira against the dollar fell Chairman’s Forward honored to review a summary of the results 40% since the beginning of 2018, while the of the Housing and Development Bank for the Argentine peso fell by 105%, and the South fiscal year of 2018, where the global economy African rand fell by 15%. in 2018 faced major challenges. Interestingly, US Federal Reserve policy and the growth of geopolitical risk have had a It witnessed commercial challenges and a negative impact on the US stock market itself collapse in stock exchanges and currency as share prices have fallen on fears of a global markets and digital markets throughout the economic slowdown as US stock indexes year in addition to the sharp fluctuations in hit their worst performance since the 2008 oil prices. Although the beginning of 2017 financial crisis. was filled with optimism, supported by the improvement in industrial and commercial Oil prices recorded standard levels in 2018. activity all over the world in 2017, but In July, Brent hit $ 87 per barrel. To protect industrial production and trade slowed down the market from the risk of high price hikes soon and business confidence declined due as a result of the decline in crude production to the increase of borrowing costs in US in Venezuela and Mexico and the decline in dollars, rising of debts and trade conflicts Iran’s oil exports, the OPEC member countries between the United States and China. The decided to reduce production constraints and International Monetary Fund (IMF) mentioned pumped additional quantities of oil into the in its report on 2018 that one of the reasons market. for the loss of momentum is the emergence of major economies, especially the United However, after October, the market was hit by States by imposing customs duties, and other oversupply due to a drop in demand for black economies’ taking of defensive measures and gold. Prices fell in the period between October tightening of its monetary policies on imports, and December by 35% and Brent hit $ 56 a such as China. barrel. In this regard, OPEC decided to resume production cuts. With the rising tone of protectionism in trade, concern over global trade has increased, The report pointed out that Britain’s exit affecting investment decisions and negatively negotiations from the EU are one of several impacting on world economies. potential risks affecting the outlook, especially for countries that rely mainly on selling to But despite trade tensions, the US economy Europe. expanded rapidly in 2018 as tax cuts and higher spending boosted demand, which led The IMF States that “the increased trade the federal reserve bank to raise the basic barriers and re-regulation, if resulted by the interest rate. The US interest rate hike to 2.25% renegotiation process, may have an impact on - 2.5% in 2018 has been accompanied by a global investment and efficiency reduction.” steady increase in US bond yields, which has The report warned that any failure to achieve stimulated the flow of capital from emerging global growth could increase pressure on markets and invested in US Treasuries, which “policies focused on Internal growth”, which has put some economies under pressure the IMF describes as new trade hurdles that 10 Annual Report 2018 Annual Report 2018 11 are damaging the economic growth. 2017-2018 fell to 9.8%, compared to 10.9% desert, which could show results during the with growth rate of 51.1%. In the area of in fiscal year of 2016-2017. It was the lowest first quarter of 2019 and which may contribute housing activity (projects owned by the bank), At the local level, the year of 2018 was marked deficit in 6 years. to improve the resources of the state and the profits of the bank’s housing projects by important figures in the Egyptian economy, increase investment rates.
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