This presentation explores a data-driven approach to identifying prime branch locations for a commercial bank. It delves into prioritizing areas based on key metrics like average household income and population density. It also showcases an innovative strategy for visualizing competitor branch presence, providing valuable insights for strategic expansion.
1. The document analyzes the impact of the Egyptian pound's flotation on the financials of various Egyptian banks. It compares key figures like total assets, loans, and deposits before and after the flotation across multiple currencies.
2. Most banks saw increases in their foreign currency denominated assets and liabilities after the flotation as the exchange rate doubled. For example, CIB's foreign currency assets increased by over EGP 55 billion while its liabilities grew by over EGP 51 billion.
3. However, a few banks like HSBC and NBK saw smaller increases or minor decreases in some figures after accounting for the exchange rate change. Overall, the flotation led to growth
- The document appears to be a financial statement or report for a bank, provided in Arabic. It includes analysis of deposits, loans, assets and liabilities.
- Key figures shown include a 26.6% increase in loans to customers between June 2018 and December 2017, total assets increasing 24.5% to 26.15 billion LE, and total equity increasing 10.1% to 2.58 billion LE.
- Breakdowns by category show increases in deposits from individuals and institutions, and loans to both individuals and companies.
ABK financial analysis H1-2018 November 18, 2018 analyzes the moderate performance of AL AHLI BANK OF KUWAIT (ABK) in the first half of 2018. Total assets grew by 25% to 26 billion EGP, driven by increases in treasury bill investments and customer loans. However, customer deposits also grew by 25% and the cost of deposits increased by 77% due to growth in demand deposits. While net interest income rose by 25%, issues around rising costs and asset quality pose challenges for the bank.
- The financial statements summarize the bank's financial position as of 06/18, showing a 10.4% increase in total assets and a 10.1% increase in total liabilities and equity compared to 12/17.
- Customer deposits increased 16.3% to LE47.5 billion as of 06/18, with savings deposits growing most significantly.
- Loans to customers grew 13.2% to LE38.4 billion, driven primarily by a large increase in corporate loans to microfinance institutions.
- Net interest income for the period increased 8.4% compared to the same period last year, as interest income on loans grew faster than interest expenses on deposits.
The document analyzes the financial performance of National Bank of Kuwait (NBK) in the first half of 2018. Key points include:
- Total assets grew 10% to 65 billion EGP due to a 13% increase in customer loans and a 37% rise in treasury bills.
- Net profit increased 36% to 990 million EGP driven by a 45% jump in net fees and commission income, while general and administrative expenses also rose 36%.
- Customer deposits grew 16% to 47.5 billion EGP from increases in certificates of deposit, time deposits, and call accounts. Loan growth was focused on debit current accounts which increased 376%.
A quantitative research that investigate the factors/drivers that influence Facebook usage among small and medium enterprises (SMEs), and also examines the impact of Facebook usage on financial and non-financial performance of SMEs in Egypt.
Infographic: Fastest growing Egyptian banks in t.assets 03.2016Walid Saafan
油
Total assets for Egyptian banks increased 18.6% in March 2016 compared to the previous year. The fastest growing bank saw assets increase 114% while the top market gainer and loser saw returns of 42% and -0.42% respectively. Market returns overall were up 6.9% for the month.
Sample analysis for banks branch locations for the following banks: SAIB, AAIB, AUDI, HSBC (Premier), ADIB.
Locations presented in Cairo, Giza, and Alexandria.
Analysis conducted in Jan 2015.
Source: Banks' web sites.
The document discusses entrepreneurship as a disease or condition rather than a career choice or business type. It argues that entrepreneurs have a characteristic trait of obsession over their work that cannot be trained or treated, and that they wake up excited to work without concern for basic needs. While entrepreneurialism has an unknown cure, it is not derived from money but from leveraging one's strengths. The document concludes that if one is an entrepreneur they should use that to their advantage, but if not they should focus on their own strengths rather than trying to become an entrepreneur, and hire one if needed for an organization to succeed.
This document discusses strategic alliances between organizations. It defines a strategic alliance as an agreement between two or more independent organizations to pursue mutually beneficial objectives. Strategic alliances allow partners to share resources like products, distribution channels, manufacturing capabilities, and intellectual property. The document then examines the benefits of strategic alliances, types of alliances, factors in alliance formation and analysis, and provides two case studies of strategic alliances between airlines and companies.
The document provides a book review of "Blue Ocean Strategy" by W. Chan Kim and Renee Mauborgne. It summarizes the key arguments of the book in 3 points: 1) The book claims traditional competitive strategies do not lead to innovation or new markets. It introduces "value innovation" to create uncontested market spaces. 2) Tools like the strategy canvas are presented to help formulate blue ocean strategies that eliminate or reduce existing factors while creating new ones to attract new demand. 3) The book provides frameworks for formulating and executing blue ocean strategies but its claims are not fully supported and it neglects factors like marketing and business cycles.
The document discusses Egypt's privatization program from 1991-2002. The key points are:
- The program privatized 190 of 314 state-owned companies through methods like IPOs, sales to strategic investors, and employee stock ownership.
- It had positive macroeconomic impacts like reducing budget deficits and increasing tax revenue. At the company level, foreign investors restructured firms and improved financial performance.
- However, the government's strategy of liquidating many firms was not always the best approach. Taking different strategies like mergers or investing in restructuring could have improved returns on state assets.
This document analyzes factors that can cause strategic alliance failures. It identifies market-related factors like inside competition between partners and unfair resource distribution. Hierarchy-related factors include differing partner strategies, agency problems, governance structures, and cultural/communication issues. External environment changes in areas like the economy, technology, and institutions can also lead to alliance failures. The document redefines alliance failure, noting planned terminations after achieving objectives should not be considered failures. It provides an overview of research on historical alliance failure rates.
This document provides a framework for analyzing concentration risk in the loan portfolios of Egyptian banks. It defines concentration risk, outlines best practices for managing it, and analyzes the effects of single name, industry, and country concentration. The document estimates that concentration risk triggers an additional capital requirement of around 50% for the top 20 exposures and 30% for the total corporate portfolio in Egyptian banks. It recommends Egyptian banks review their concentration risk using the analysis tools, reformulate their risk limits and portfolio management practices, and devise strategies to mitigate concentration risk over the short to medium term.
This document provides an overview of options trading markets, including listing requirements and sample contract terms. It discusses the Chicago Board Options Exchange, including its founding and operations. It also outlines listing rules for the CBOE, South African Future Exchange, and NYSE Euronext. Sample option contract terms are presented for ING Group and Aegon traded on Euronext Amsterdam.
This document discusses how various banking ratios are calculated to analyze the financial statements of financial institutions. It provides the formulas for calculating key ratios such as return on assets, return on equity, net interest margin, loans to assets, equity to assets, and tier 1 capital. These ratios measure metrics like profitability, interest rates, loan levels, capital adequacy, and reserve levels. Understanding these ratios helps evaluate the financial health and risk profile of banks, insurance companies, and other financial service firms.
Corporate culture a source for competitive advantageWalid Saafan
油
This document discusses the role of corporate culture in building and sustaining competitive advantage. It covers how culture influences strategy, decision making, behaviors and performance levels. When a culture is valuable, rare, imperfectly imitable and sustained over time, it can be a source of competitive advantage for an organization. The presentation also examines how culture can be assessed and potentially changed to meet evolving needs.
Personal plan after completing Phase I of the leadership development track covering: Self leadership, Stress management, Effective coaching, and public speaking.
Barriers of implementing the Balanced Scorecard in Egyptian banksWalid Saafan
油
This document outlines a research proposal that aims to identify barriers to implementing the Balanced Scorecard framework for strategy management in Egyptian banks. The researcher plans to conduct in-depth interviews with executive committee members at a local private bank to discover their current strategic practices and barriers to adopting the Balanced Scorecard. The proposal provides background on the importance of strategy execution and outlines the research objectives, questions, methodology, timeline and anticipated significance. The findings will provide recommendations to help banks successfully apply the Balanced Scorecard approach.
The document is a feasibility study for a proposed "Car Care" car service center project in Al Rehab City, Egypt. It includes sections on location selection, legal requirements, market analysis, technical considerations, and financial projections. The market analysis finds demand for additional car cleaning services and projects steadily increasing annual demand and profits over 5 years. The financial analysis shows the project would obtain a bank loan to cover initial costs and generate positive cash flow and returns above the loan interest rate, with a payback period of less than 3 years.
This document explains how various banking ratios are calculated to analyze the financial statements of financial institutions. It provides the formulas for calculating key ratios such as return on assets, return on equity, net interest margin, loans to assets, equity to assets, and tier 1 capital. These ratios measure metrics like profitability, interest rates, loan levels, capital adequacy, and reserve levels. Maintaining ratios within regulatory guidelines helps ensure the financial stability of banks and protection of deposits.
Exchange traded markets involve stocks trading on a centralized exchange, with the exchange acting as the counterparty to all trades. This removes counterparty risk but involves higher fees. OTC markets have no central exchange, so participants trade directly with each other through different firms. OTC markets have lower costs but involve counterparty risk since trades depend on the firm used. Overall, the document compares the key differences between exchange traded and OTC markets.
The document discusses the capital structure decisions of multinational firms (MNCs). It explains that MNCs consider both corporate characteristics, such as cash flow stability and access to retained earnings, and country characteristics, such as interest rates and tax laws, when determining the capital structure of their subsidiaries. The overall capital structure of an MNC combines the structures of the parent company and its subsidiaries. A subsidiary's debt financing decisions can impact the level of internal funds available to the parent company.
Business case about "Options trading markets"Walid Saafan
油
This document provides an overview of options trading markets, including listing requirements and sample contract terms. It discusses the Chicago Board Options Exchange, including its founding and operations. It also outlines listing rules for the CBOE, South African Future Exchange, and NYSE Euronext. Sample option contract terms are presented for ING Group and Aegon traded on Euronext Amsterdam.
(1) The S&P 500 index has typically peaked before the overall economy, as determined by business cycle peaks, with one exception in 1980. It has also bottomed out before the end of recessions. (2) The median decline of the S&P 500 from peak to trough during recessions is 16.9%. (3) Unemployment rates usually surge at the start of recessions, and recessions in the US tend to last between 6-9 months on average.
Sample analysis for banks branch locations for the following banks: SAIB, AAIB, AUDI, HSBC (Premier), ADIB.
Locations presented in Cairo, Giza, and Alexandria.
Analysis conducted in Jan 2015.
Source: Banks' web sites.
The document discusses entrepreneurship as a disease or condition rather than a career choice or business type. It argues that entrepreneurs have a characteristic trait of obsession over their work that cannot be trained or treated, and that they wake up excited to work without concern for basic needs. While entrepreneurialism has an unknown cure, it is not derived from money but from leveraging one's strengths. The document concludes that if one is an entrepreneur they should use that to their advantage, but if not they should focus on their own strengths rather than trying to become an entrepreneur, and hire one if needed for an organization to succeed.
This document discusses strategic alliances between organizations. It defines a strategic alliance as an agreement between two or more independent organizations to pursue mutually beneficial objectives. Strategic alliances allow partners to share resources like products, distribution channels, manufacturing capabilities, and intellectual property. The document then examines the benefits of strategic alliances, types of alliances, factors in alliance formation and analysis, and provides two case studies of strategic alliances between airlines and companies.
The document provides a book review of "Blue Ocean Strategy" by W. Chan Kim and Renee Mauborgne. It summarizes the key arguments of the book in 3 points: 1) The book claims traditional competitive strategies do not lead to innovation or new markets. It introduces "value innovation" to create uncontested market spaces. 2) Tools like the strategy canvas are presented to help formulate blue ocean strategies that eliminate or reduce existing factors while creating new ones to attract new demand. 3) The book provides frameworks for formulating and executing blue ocean strategies but its claims are not fully supported and it neglects factors like marketing and business cycles.
The document discusses Egypt's privatization program from 1991-2002. The key points are:
- The program privatized 190 of 314 state-owned companies through methods like IPOs, sales to strategic investors, and employee stock ownership.
- It had positive macroeconomic impacts like reducing budget deficits and increasing tax revenue. At the company level, foreign investors restructured firms and improved financial performance.
- However, the government's strategy of liquidating many firms was not always the best approach. Taking different strategies like mergers or investing in restructuring could have improved returns on state assets.
This document analyzes factors that can cause strategic alliance failures. It identifies market-related factors like inside competition between partners and unfair resource distribution. Hierarchy-related factors include differing partner strategies, agency problems, governance structures, and cultural/communication issues. External environment changes in areas like the economy, technology, and institutions can also lead to alliance failures. The document redefines alliance failure, noting planned terminations after achieving objectives should not be considered failures. It provides an overview of research on historical alliance failure rates.
This document provides a framework for analyzing concentration risk in the loan portfolios of Egyptian banks. It defines concentration risk, outlines best practices for managing it, and analyzes the effects of single name, industry, and country concentration. The document estimates that concentration risk triggers an additional capital requirement of around 50% for the top 20 exposures and 30% for the total corporate portfolio in Egyptian banks. It recommends Egyptian banks review their concentration risk using the analysis tools, reformulate their risk limits and portfolio management practices, and devise strategies to mitigate concentration risk over the short to medium term.
This document provides an overview of options trading markets, including listing requirements and sample contract terms. It discusses the Chicago Board Options Exchange, including its founding and operations. It also outlines listing rules for the CBOE, South African Future Exchange, and NYSE Euronext. Sample option contract terms are presented for ING Group and Aegon traded on Euronext Amsterdam.
This document discusses how various banking ratios are calculated to analyze the financial statements of financial institutions. It provides the formulas for calculating key ratios such as return on assets, return on equity, net interest margin, loans to assets, equity to assets, and tier 1 capital. These ratios measure metrics like profitability, interest rates, loan levels, capital adequacy, and reserve levels. Understanding these ratios helps evaluate the financial health and risk profile of banks, insurance companies, and other financial service firms.
Corporate culture a source for competitive advantageWalid Saafan
油
This document discusses the role of corporate culture in building and sustaining competitive advantage. It covers how culture influences strategy, decision making, behaviors and performance levels. When a culture is valuable, rare, imperfectly imitable and sustained over time, it can be a source of competitive advantage for an organization. The presentation also examines how culture can be assessed and potentially changed to meet evolving needs.
Personal plan after completing Phase I of the leadership development track covering: Self leadership, Stress management, Effective coaching, and public speaking.
Barriers of implementing the Balanced Scorecard in Egyptian banksWalid Saafan
油
This document outlines a research proposal that aims to identify barriers to implementing the Balanced Scorecard framework for strategy management in Egyptian banks. The researcher plans to conduct in-depth interviews with executive committee members at a local private bank to discover their current strategic practices and barriers to adopting the Balanced Scorecard. The proposal provides background on the importance of strategy execution and outlines the research objectives, questions, methodology, timeline and anticipated significance. The findings will provide recommendations to help banks successfully apply the Balanced Scorecard approach.
The document is a feasibility study for a proposed "Car Care" car service center project in Al Rehab City, Egypt. It includes sections on location selection, legal requirements, market analysis, technical considerations, and financial projections. The market analysis finds demand for additional car cleaning services and projects steadily increasing annual demand and profits over 5 years. The financial analysis shows the project would obtain a bank loan to cover initial costs and generate positive cash flow and returns above the loan interest rate, with a payback period of less than 3 years.
This document explains how various banking ratios are calculated to analyze the financial statements of financial institutions. It provides the formulas for calculating key ratios such as return on assets, return on equity, net interest margin, loans to assets, equity to assets, and tier 1 capital. These ratios measure metrics like profitability, interest rates, loan levels, capital adequacy, and reserve levels. Maintaining ratios within regulatory guidelines helps ensure the financial stability of banks and protection of deposits.
Exchange traded markets involve stocks trading on a centralized exchange, with the exchange acting as the counterparty to all trades. This removes counterparty risk but involves higher fees. OTC markets have no central exchange, so participants trade directly with each other through different firms. OTC markets have lower costs but involve counterparty risk since trades depend on the firm used. Overall, the document compares the key differences between exchange traded and OTC markets.
The document discusses the capital structure decisions of multinational firms (MNCs). It explains that MNCs consider both corporate characteristics, such as cash flow stability and access to retained earnings, and country characteristics, such as interest rates and tax laws, when determining the capital structure of their subsidiaries. The overall capital structure of an MNC combines the structures of the parent company and its subsidiaries. A subsidiary's debt financing decisions can impact the level of internal funds available to the parent company.
Business case about "Options trading markets"Walid Saafan
油
This document provides an overview of options trading markets, including listing requirements and sample contract terms. It discusses the Chicago Board Options Exchange, including its founding and operations. It also outlines listing rules for the CBOE, South African Future Exchange, and NYSE Euronext. Sample option contract terms are presented for ING Group and Aegon traded on Euronext Amsterdam.
(1) The S&P 500 index has typically peaked before the overall economy, as determined by business cycle peaks, with one exception in 1980. It has also bottomed out before the end of recessions. (2) The median decline of the S&P 500 from peak to trough during recessions is 16.9%. (3) Unemployment rates usually surge at the start of recessions, and recessions in the US tend to last between 6-9 months on average.
10. 愕惠 惺 悋惡 惠慍惺
悋悋惘悸 惘悋慍 悖
悋惶惆惘
惡 悋悒惠惘悸 悋悋惺
12 悴惆惆悸 惘惺 悖悋 惠惘忰
-
悋惘
2015
HSBC - Premier
City Cairo
Row Labels Count
New Cairo 2
Down Town 1
Heliopolis 10
Maadi 4
Nasr City 5
Zamalek 3
Grand Total 25
AUDI
City Cairo
Row Labels Count
Abbasia 1
El Manyal 1
Heliopolis 4
MAADI 2
MUKATTAM 1
Nasr City 3
SHOUBRA 1
Zamalek 1
GARDEN CITY 1
Grand Total 15
AAIB
City Cairo
Row Labels Count
Ain Shams 1
Al Rehab City 1
Downtown 3
Garden City 2
Heliopolis 4
Maadi 1
Mokattam 1
Nasr City 1
New Cairo 2
Shoubra 1
Zamalek 1
Grand Total 18
ADIB
City Cairo
Row Labels Count
Azhar 1
Down town 5
Heliopolis 2
Maadi 1
Nasr City 1
Zamalek 1
Helwan 1
El Manial 1
Sawah 1
Grand Total 14
SAIB
City Cairo
Row Labels Count
5th Settlement 1
Al Azhar 1
Dokki 1
El Katameya 1
Heliopolis 2
Maadi 1
Mohandessin 1
Nasr City 1
Grand Total 9
20. 愕惠 惺 悋惡 惠慍惺
悋悴慍悸 惘悋慍 悖
悋惶惆惘
惡 悋悒惠惘悸 悋悋惺
22 悴惆惆悸 惘惺 悖悋 惠惘忰
-
悋惘
2015
SAIB
City Giza
Row Labels Count
6th of October City 3
Mohandessin 1
Grand Total 4
ADIB
City Giza
Row Labels Count
5 october 1
Dokki 2
El Haram 2
Mohandeseen 3
Grand Total 8
HSBC - Premier
City Giza
Row Labels Count
6 th of October 2
Agouza 1
Dokki 3
El Haram 1
Mohandessin 4
Grand Total 11
AAIB
City Giza
Row Labels Count
Dokki 2
El Badrashin 1
El Haram 1
El Warak 1
Faisal 1
Mohandeseen 1
Grand Total 7
AUDI
City Giza
Row Labels Count
Cairo Alex road 1
Dokki 4
Mohandeseen 2
Grand Total 7
26. 愕惠 惺 悋惡 惠慍惺
悋悒愕惆惘悸 惘悋慍 悖
悋惶惆惘
惡 悋悒惠惘悸 悋悋惺
28 悴惆惆悸 惘惺 悖悋 惠惘忰
-
悋惘
2015
AUDI
City Alexandria
Row Labels Count
Azarita 1
MIAMI 1
GLEEM 1
SEMOUHA 1
Grand Total 4
AAIB
City Alexandria
Row Labels Count
New Borg El Arab 1
Raml Station 1
Roushdy 1
San Stefano 1
Semouha 1
Grand Total 5
HSBC - Premier
City Alexandria
Row Labels Count
Glym 1
Loran 1
Rushdi 1
Semouha 1
Sultan Hussein 1
Saraya 1
Cairo - Alex Desert Rd. 1
Grand Total 7
ADIB
City Alexandria
Row Labels Count
Semouha 1
Roushdy 1
Down Town 1
Luoran 1
26th July St. 1
Grand Total 5
SAIB
City Alex
Row Labels Count
El Horreya 1
Smouha 1
Grand Total 2