EGX:ADIB Income Statement

Financials in millions EGP. Fiscal year is January - December.

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	58,568	49,262	36,944	19,534	11,036	8,198
Interest Income on Investments	9	6.31	5.42	5.2	2.69	4.82
Total Interest Income	58,577	49,269	36,950	19,539	11,039	8,203
Interest Paid on Deposits	34,354	29,110	21,692	10,609	6,214	4,582
Net Interest Income	24,223	20,159	15,258	8,929	4,825	3,621
Net Interest Income Growth	27.49%	32.12%	70.87%	85.06%	33.26%	13.37%
Income From Trading Activities	822.1	546.57	708.71	291.15	163.45	83.97
Gain (Loss) on Sale of Assets	196.39	110.21	19.78	42.4	1.5	1.29
Gain (Loss) on Sale of Investments	83.78	9.16	-	0.01	27.44	88.16
Other Non-Interest Income	3,079	2,730	1,895	1,558	1,040	554.21
Total Non-Interest Income	4,181	3,396	2,624	1,892	1,232	727.63
Non-Interest Income Growth	33.22%	29.43%	38.67%	53.54%	69.36%	8.30%
Revenues Before Loan Losses	28,404	23,554	17,882	10,821	6,057	4,348
Provision for Loan Losses	674.4	1,514	2,171	1,634	832.46	175.67
Revenue	27,730	22,040	15,711	9,188	5,225	4,173
Revenue Growth	37.42%	40.28%	71.00%	75.84%	25.22%	21.98%
Selling, General & Administrative	4,717	3,680	2,792	2,058	1,647	1,549
Other Non-Interest Expense	2,117	1,039	769.08	678.85	304.34	369.93
Total Non-Interest Expense	6,652	4,558	3,421	2,652	1,919	1,883
EBT Excluding Unusual Items	21,078	17,482	12,290	6,535	3,306	2,290
Asset Writedown	-	-	-	-	-	-3.67
Pretax Income	21,078	17,482	12,290	6,535	3,306	2,281
Income Tax Expense	6,322	4,881	3,274	1,862	1,111	807.48
Earnings From Continuing Operations	14,755	12,601	9,016	4,674	2,196	1,473
Earnings From Discontinued Operations	-	-	-	-	-5.81	-22.86
Minority Interest in Earnings	-28.87	-12.38	-7.01	-3.19	6.63	2.61
Net Income	14,727	12,589	9,009	4,671	2,196	1,453
Net Income to Common	14,727	12,589	9,009	4,671	2,196	1,453
Net Income Growth	26.52%	39.73%	92.88%	112.65%	51.15%	21.87%
Basic Shares Outstanding	1,542	1,119	1,285	1,077	709	575
Diluted Shares Outstanding	1,542	1,119	1,285	1,077	709	575
Shares Change	38.34%	-12.93%	19.28%	51.86%	23.48%	2.59%
EPS (Basic)	9.55	11.25	7.01	4.33	3.10	2.53
EPS (Diluted)	9.55	11.25	7.01	4.33	3.10	2.53
EPS Growth	-8.55%	60.48%	61.71%	40.03%	22.40%	18.79%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	30.00%	27.92%	26.64%	28.48%	33.59%	35.40%