EGYPT FACTS AND FIGURES 2013

Egypt Facts & Figures 2013

EGYPT FACTS AND FIGURES 2013 Geography Surface (in sqkm) 1,001,450 o.w. Land area 995,450 o.w. Water area 6,000 Land boundaries' length (in km) 2,665 Coastline length (in km) 2,450 Maximum altitude: Mount Catherine (in m) 2,629 Demography Population (in millions) 84.2 Population under 15 years (% of total population) 31% Population density (per sqkm) 84 Urban population (% of total population) 44% Unemployment rate 13% Life expectancy at birth 71 Infant mortality rate (per 1,000 live births) 18 Human Development Index (UNDP) 0.662 Education Adult literacy rate 74% Male 82% Female 66% Number of students in pre-university education (000s) 18,555 Number of schools 49,435 Number of teachers 942,821 Health Number of hospital beds (per 1,000 people) 0.5 Number of physicians (per 1,000 people) 2.8 Health expenditures/gdp 5.0% Technology Diffusion Number of telephone mainlines (per 100 people) 10.2 Number of cellular subscribers (per 100 people) 115.3 Number of internet users (per 100 people) 44.1 Number of fixed broadband subscribers (per 100 people) 2.7 Infrastructure (in Km) Roadway length (paved) 126,742 Railway length 5,083 Ports and terminals Ayn Sukhnah, Alexandria, Damietta, El Dekheila, Sidi Kurayr, Suez General Currency Egyptian Pound Official language Arabic Fiscal year July 1 - June 30 Number of governorates 26

Fiscal Year 2011 2012 2013 Macroeconomic Indicators GDP (US$ billion) 219.5 249.1 239.0 o.w. Agriculture, irrigation and fishing 14.5% 14.5% 14.5% o.w. Mining 14.9% 17.3% 17.3% o.w. Manufacturing 16.5% 15.8% 15.6% o.w. Electricity and water 1.6% 1.5% 1.5% o.w. Construction and building 4.6% 4.5% 4.6% o.w. Services 47.9% 46.4% 46.4% Real GDP growth rate 1.8% 2.2% 2.1% GDP per capita (US$) 2,930 3,179 3,226 Agriculture Annual value added (agriculture, irrigation, fishing) (US$ billion) 32 36 32 Agricultural production of main crops (in 000s tons) 76,258 80,083 86,248 o.w. Vegetables 28.2% 28.2% 25.5% o.w. Sugar cane 20.6% 19.4% 18.4% Bank loans to agriculture (US$ million)* 1,331 965 850 Implemented investments in agriculture (US$ million) 1,145 887 1,175 Industry Annual value added (mining & manufacturing) (US$ billion) 69 83 79 Bank loans to industry (US$ million)* 24,581 25,567 24,535 Electricity generated (in millions of kwh)* 148,629 161,851 148,493 Implemented investments in industry (US$ million) 11,479 14,016 11,962 Construction & Building Annual value added (US$ billion) 10 11 11 Cement production (000s tons)* 48,715 49,710 44,727 Domestic cement deliveries (000s tons)* 48,115 47,777 44,281 Implemented investments in construction & building (US$ million) 966 281 467 Trade and Services Annual value added (US$ billion) 105 116 111 o.w. Wholesale and retail trade 24.0% 23.8% 23.6% o.w. Government services 21.3% 22.0% 22.5% o.w. Transport and storage 8.5% 8.6% 8.6% Bank loans to trade and services (US$ million)* 28,771 28,439 27,116 Number of ships transiting Suez Canal* 17,799 17,225 16,596 Ship tonnage (millions of tons)* 929 928 915 Implemented investments in trade & services (US$ million) 26,633 25,443 20,826 *Calendar year.

Calendar Year 2011 2012 2013 Tourist Arrivals to Egypt (in 000s) Total arrivals 9,844 11,533 9,463 o.w. Europe 7,212 8,414 6,977 o.w. Middle East 1,512 1,966 1,494 o.w. Africa 435 428 398 o.w. Asia and the Pacific 379 413 333 o.w. Americas 286 285 240 o.w. Other countries 20 27 21 Number of tourist nights 114,214 137,818 94,411 Foreign Trade (in US$ Million) Exports 27,913 23,174 25,094 Imports 56,132 59,935 55,287 Trade balance -28,218-36,761-30,192 Foreign trade 84,045 83,108 80,381 Exports/Imports 49.7% 38.7% 45.4% Main export recipients EU 43.5% 28.6% 38.6% Arab countries 17.8% 22.9% 21.4% Asian countries 16.2% 19.3% 17.5% USA 12.1% 17.4% 10.3% Other European countries 5.9% 7.3% 6.3% Main import sources EU 33.0% 31.7% 29.7% Arab countries 17.4% 19.2% 22.8% Asian countries 19.3% 20.4% 20.6% USA 10.4% 6.4% 7.4% Other countries 6.3% 5.7% 6.4% Main exports Crude oil 25.1% 14.5% 26.0% Petroleum products 23.1% 25.0% 20.2% Fertilizers 3.5% 3.7% 3.0% Ready-made clothes 2.8% 3.1% 2.9% Articles of iron and steel 1.5% 1.1% 1.8% Main imports Petroleum products 14.6% 16.8% 17.8% Iron and steel products 4.9% 4.4% 4.1% Crude oil 4.2% 5.1% 3.4% Organic and inorganic chemicals 3.5% 3.3% 3.4% Wheat 4.2% 3.9% 3.3%

Calendar Year 2011 2012 2013 Balance of Payments (US$ Million) Current account balance -7,581-10,660-3,294 Trade balance -28,218-36,761-30,192 Services account (net) 5,417 6,310 2,925 Transfers 15,221 19,791 23,974 Capital and financial account -9,869 9,550 8,427 Net errors and omissions -881-2,714-2,346 Overall balance -18,331-3,824 2,788 FDI Inflows (US$ Million) United Kingdom 3,608 5,767 4,242 USA 762 1,567 2,115 UAE 508 418 460 Saudi Arabia 204 202 210 Italy 215 152 30 Monetary Situation (US$ Million) M1 42,350 45,296 53,727 Quasi-money 129,791 138,183 145,822 M2 (M1+ Quasi-money) 172,141 183,478 199,550 Counterparts of M2 Net foreign assets 31,513 20,966 16,912 Net domestic assets 140,628 162,513 182,637 Cleared checks 117,503 113,335 108,823 Consumer price index 11.1% 8.7% 6.9% LE/US$ exchange rate (year-end) 6.04 6.36 6.95 LE/US$ exchange rate (yearly average) 5.42 6.07 6.87 Fiscal Year 2011 2012 2013 Public Finance (US$ Million) Total revenues and grants 45,595 50,540 54,429 o.w. Tax revenues 33,012 34,525 39,016 Total expenditures (including net lending) 69,069 78,399 91,386 o.w. Interest payments 14,622 17,385 22,838 Budget balance -23,474-27,860-36,957 Total gross debt 210,030 238,799 260,886 o.w. Domestic debt 175,125 204,415 217,653 o.w. External debt 34,906 34,385 43,233 Budget balance/expenditures -34.0% -35.5% -40.4% Budget balance/gdp -10.7% -11.2% -15.5% External debt/total gross debt 16.6% 14.4% 16.6% Public debt/gdp 95.7% 95.9% 109.1%

Calendar Year 2011 2012 2013 Egyptian Capital Markets Stock market capitalization (US$ billion) 49 59 61 Total value traded (US$ million) 24,561 29,080 23,279 Turnover ratio 50.5% 49.3% 37.9% Number of listed companies 213 213 212 P/E ratio (times) 10.5x 12.4x 15.2x Dividend yield 10.4% 8.6% 6.5% Change in EGX price index (in EGP) -49.3% 50.8% 24.2% Banking System Number of banks 39 40 40 Number of branches 3,610 3,643 3,683 Activity highlights (US$ million) Total assets 216,740 226,556 242,209 Total deposits 163,948 171,486 189,242 Total credit facilities 81,148 81,248 79,134 Total capital + reserves 13,530 15,834 16,296 Keys ratios Assets/GDP* 96.9% 90.6% 93.2% Deposits/GDP* 73.7% 68.1% 71.0% Residents per branch (in 000s) 22.3 22.8 23.0 Deposits per capita (US$) 2,039 2,079 2,249 FC deposits/total deposits 23.7% 24.4% 23.8% FC credit facilities/total credit facilities 29.5% 28.3% 29.8% Credit facilities/deposits 49.5% 47.4% 41.8% Total capital + reserves/assets 6.2% 7.0% 6.7% * Fiscal year. TOP 10 BANKS BY ASSETS (US$ BILLION) National Bank of Egypt 51.4 53.2 52.3 Banque Misr* 29.8 31.1 31.1 Commercial International Bank 14.2 14.9 16.4 QNB Al Ahli 10.4 10.6 11.7 EFG-Hermes Holding Company 8.7 9.4 9.7 Arab African International Bank 7.4 8.2 9.2 Banque du Caire 8.2 8.9 - HSBC Bank Egypt 8.0 8.6 8.4 Faisal Islamic Bank of Egypt 5.8 6.5 - Bank of Alexandria 6.3 6.5 5.9 * Fiscal year.

EGYPT Bank Audi sae Member of the Federation of Egyptian Banks Paid up capital: 1,543,358,864 (at June 2014) C.R.: 39 804 CBE Registration HEADQUARTERS Pyramids Heights Office Park, Cairo-Alexandria Desert Road, Km 22, Sixth of October City. P.O. Box 300 El Haram. Postal Code 12556. Tel: (20-2) 35343300. Fax: (20-2) 35362120. E-mail: contactus.egypt@banqueaudi.com Branches GIZA DOKKI (MAIN BRANCH) 104 El Nile Street, Dokki. Tel: (20-2) 33337100. Fax: (20-2) 37483818. MOSADDAK (ISLAMIC BRANCH) 56 Mosaddak Street, Dokki. Tel: (20-2) 37480241. Fax: (20-2) 37480242. LEBANON 60 Lebanon Street (Lebanon Tower), Lebanon Square, Mohandesseen. Tel: (20-2) 33006400. Fax: (20-2) 33026454. EL BATAL AHMED ABDEL AZIZ 44 El Batal Ahmed Abdel Aziz Street, Mohandesseen. Tel: (20-2) 33332000. Fax: (20-2) 37480599. EL HARAM (ISLAMIC BRANCH) 42 El Haram Street, El Haram. Tel: (20-2) 33864002, 33863708, 33865056, 33864113. Fax: (20-2): 33865103. CAIRO TAHRIR 94 Tahrir Street, Dokki. Tel: (20-2) 33319500. Fax: (20-2) 37486310. MAKRAM EBEID 1 Makram Ebeid Street, Nasr City. Tel: (20-2) 26731300. Fax: (20-2) 22726755. ABBASS EL-AKKAD 70 Abbass El-Akkad Street, Nasr City. Tel: (20-2) 22708790, 22708740, 22708783. Fax: (20-2) 22708757. BEIRUT 54 Demeshk Street, Heliopolis. Tel: (20-2) 24567600. Fax: (20-2) 24508653. SHOUBRA 128 Shoubra Street, Shoubra. Tel: (20-2) 22075682. Fax: (20-2) 22075779. MASAKEN SHERATON 11 Khaled Ibn El Waleed Street, Masaken Sheraton. Tel: (20-2) 22683381, 22683397. Fax: (20-2) 22683433. NADY EL SHAMS 17 Abdel Hamid Badawy Street, Heliopolis. Tel: (20-2) 26210943, (20-10) 68822192. Fax: (20-2) 26210945. MUKATTAM Plot 6034, Street 9, Mukattam. Tel: (20-2) 25057040, 25053634. Fax: (20-2) 25057566. ABBASSIA 109 Abbassia Street, Abbassia. Tel: (20-2) 24664454, (20-10) 68841455-6. Fax: (20-2) 24664453.

EL OBOUR Shops 43, 44, 45, Golf City, El-Obour City. Tel: (20-2) 46104325, (20-10) 68822189. Fax: (20-2) 46104324. EL MANIAL 90 El Manial Street, El Manial. Tel: (20-2) 23629935-55. Fax: (20-2) 23630099. TRIUMPH 116 Othman Ibn Affan Street, Plot 740 (beside Mo men), Heliopolis. Tel: (20-2) 26342243, 26352220. Fax: (20-2) 26424900. ABD EL KHALEK THARWAT 42 Abd El Khalek Tharwat Street, Downtown. Tel: (20-2) 23904866, 23910638. Fax: (20-2) 23904162. GARDEN CITY 1 Aisha El Taymoria Street, Garden City. Tel: (20-2) 27928976-8. Fax: (20-2) 27928977. SALAH SALEM 15 Salah Salem Street, Heliopolis. Tel: (20-2) 24006400. Fax: (20-2) 22607168. SIXTH OF OCTOBER SIXTH OF OCTOBER Plot 2/23, Central District, Sixth of October. Tel: (20-2) 38270900. Fax: (20-2) 38353780. PYRAMIDS HEIGHTS Pyramids Heights Office Park, Cairo-Alexandria Desert Road, Km 22, Sixth of October. Tel: (20-2) 35343712, 35343659. Fax: (20-2) 35362053. HELWAN MAADI DEGLA 1-B, 256 Street, Degla (behind Maadi Grand Mall), Maadi. Tel: (20-2) 25162094, 25195238. Fax: (20-2) 25162017. NEW MAADI 1/2 El Laselky Street (intersection of Laselky Street and El Gazaer Street - Facing Mo men), New Maadi. Tel: (20-2) 25197901. Fax: (20-2) 25197921. ALEXANDRIA SMOUHA 35 Victor Ammanuel Square, Smouha. Tel: (20-3) 4193700. Fax: (20-3) 4244510. SULTAN HUSSEIN 33 Sultan Hussein Street, Azarita. Tel: (20-3) 4880500. Fax: (20-3) 4877198. MIAMI 489 Gamal Abdel Nasser Street, El Asafra Bahary (facing Aziz Abaza School). Tel: (20-3) 5505212-3, 5505227. Fax: (20-3) 5505136. GLEEM 1 Mostafa Fahmy Street, Gleem. Tel: (20-3) 5816000. Fax: (20-3) 5825866. DAQAHLIA MANSOURA 26 Saad Zaghloul Street, Toreil, Mansoura. Tel: (20-50) 2281600. Fax: (20-50) 2309782. GHARBIA TANTA El Gueish Street and El Nahda Street Intersection, Tanta. Tel: (20-40) 3389600. Fax: (20-40) 3403100. RED SEA EL GOUNA Service Area Fba-12e, El Balad District, El Gouna, Hurghada. Tel: (20-65) 3580096, (20-10) 66614840. Fax: (20-65) 3580095.

SHERATON ROAD 23 Taksim El Hadaba El Shamaleya, 167 Sheraton Road, Hurghada. Tel: (20-65) 3452017. Fax: (20-65) 3452015. SOUTH SINAI NAEMA BAY 207 Rabwet Naema Bay Street, Sharm El Sheikh. Tel: (20-69) 3604514-5. Fax: (20-69) 3604520. Arabeya Online Brokerage 12, El Shaheed Ismail Mohie El Din Street, Ard El Golf, Heliopolis, Cairo, Egypt. P.O. Box: 11341. Tel: (20-2) 24140025. Fax: (20-2) 24180666. Hotline: 16225. E-mail: service@arabeyaonline.com www.aolbeg.com LEBANON Bank Audi sal Bank Audi Plaza, Bab Idriss P.O. Box 11-2560 Beirut - Lebanon Tel: (961-1) 994000. Fax: (961-1) 990555. Customer helpline: (961-4) 727777. Swift: AUDBLBBX. E-mail: contactus@banqueaudi.com www.banqueaudi.com Country Management Lebanon Bank Audi Palladium, Bab Idriss P.O. Box: 11-2560 Beirut - Lebanon Tel: (961-1) 994000. Fax: (961-1) 990555. Customer helpline: (961-4) 727777. Swift: AUDBLBBX. E-mail: contactus@banqueaudi.com www.banqueaudi.com Audi Investment Bank sal Bank Audi Plaza, Block B, Bab Idriss. P.O. Box: 16-5110 Beirut - Lebanon. Tel: (961-1) 994000. Fax: (961-1) 999406. E-mail: contactus@bankaudiib.com Audi Private Bank sal Bank Audi Plaza, Block D, Bab Idriss, Beirut. P.O. Box: 1121 Beirut - Lebanon. Tel: (961-1) 205400. Fax: (961-1) 205480. E-mail: contactus.lebanon@bankaudipb.com www.bankaudipb.com SWITZERLAND Banque Audi (Suisse) sa 18, Cours des Bastions. P.O. Box: 384. 1211 Geneva 12, Switzerland. Tel: (41-22) 704 11 11. Fax: (41-22) 704 11 00. E-mail: contactus.gva@bankaudipb.com www.bankaudipb.com Beirut Representative Office Bank Audi Plaza, Bab Idriss. P.O. Box: 11-2666 Beirut - Lebanon. Tel: (961-1) 977 544. Fax: (961-1) 980 535. FRANCE Bank Audi France sa 73, Avenue des Champs-Elysées. 75008 Paris, France. Tel: (33-1) 53 83 50 00. Fax: (33-1) 42 56 09 74. E-mail: contactus.france@banqueaudi.com www.bankaudi.fr

JORDAN Bank Audi sal - Jordan Branches Bldg. 26, Suleiman Al-Nabulsi Street, Abdali, Amman. P.O. Box 840006 Amman. 11184, Jordan. Tel: (962-6) 4604000. Fax: (962-6) 4680015. E-mail: contactus.jordan@banqueaudi.com www.bankaudijordan.com SYRIA Bank Audi Syria sa 1- Plaza 86 Bldg., Cham City Center, Street No. 2, Kafarsouseh, Damascus. P.O. Box 6228 Damascus, Syria. Tel: (963-11) 23888000. Fax: (963-11) 2248510. E-mail: contactus.syria@banqueaudi.com www.bankaudisyria.com 2- Mohafaza Bldg., Youssef Al-Azmeh Square, Damascus. P.O. Box 6228 Damascus, Syria. Tel: (963-11) 23888000. Fax: (963-11) 2254197. E-mail: contactus.syria@banqueaudi.com www.bankaudisyria.com SUDAN National Bank of Sudan National Bank of Sudan Bldg., Block 1, Kasr Avenue, Khartoum. P.O. Box 1183, Khartoum, Sudan. Tel: (249-183) 778154. Fax: (249-183) 774997. E-mail: contactus@nbs.com.sd www.nbs.com.sd SAUDI ARABIA Audi Capital (KSA) cjsc 2908 Centria Bldg., 3 rd Floor, Prince Mohammad Bin Abdul Aziz Road (Tahlia). Postal Address: Unit No. 28, Ar Riyadh 12241-6055. P.O. Box: 250744 Riyadh 11391 Kingdom of Saudi Arabia. Tel: (966-11) 2199300. Fax: (966-11) 4627942. E-mail: contactus@audicapital.com www.bankaudipb.com QATAR Bank Audi LLC Qatar Financial Centre, 18 th Floor, Qatar Financial Centre Tower, Diplomatic Area, Doha. P.O. Box: 23270 Doha, Qatar. Tel: (974) 44967365. Fax: (974) 44967373. E-mail: contactus.qatar@banqueaudi.com MONACO Audi Capital Gestion sam Monte-Carlo Palace, 3-9 Boulevard des Moulins. MC - 98000 Monaco. Tel: (377) 97 97 65 11. Fax: (377) 97 97 65 19. E-mail: contactus.mc@bankaudipb.com www.bankaudipb.com

TURKEY Odeabank A.. Maslak Mahallesi, Ahi Evran Caddesi No. 11, Olive Plaza, Floors 6-7-8-9, 34398, Şişli, Istanbul. Tel: (90-212) 3048444. Fax: (90-212) 3048445. E-mail: info@odeabank.com.tr www.odeabank.com.tr UNITED ARAB EMIRATES Bank Audi sal Representative Office Arab Monetary Fund Bldg., 9 th Floor, Corniche Street. P.O. Box 94409 Abu Dhabi, United Arab Emirates. Tel: (971-2) 6331180. Fax: (971-2) 6336044. E-mail: contactus.abu-dhabi@banqueaudi.com

RESEARCH DEPARTMENT BANK AUDI sal Bank Audi Plaza, Bab Idriss P.O. Box 11-2560 Beirut - Lebanon Tel: (961-1) 994000. Fax (961-1) 985622. E-mail: research@banqueaudi.com www.banqueaudi.com SOURCES Central Bank of Egypt Egyptian Exchange Egyptian Ministry of Finance Egyptian Ministry of Economy Egyptian Ministry of Education Egyptian Ministry of Health International Monetary Fund World Bank CIA World Fact Book UNDP Bankscope - Bureau Van Dijk Bloomberg