Credit Agricole - Egypt Bank (S.A.E.) (EGX:CIEB)

EGX:CIEB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	18,790	17,947	11,952	6,331	5,206	5,170
Interest Income on Investments	32.48	35.54	8.66	5.18	10.77	4.4
Total Interest Income	18,823	17,982	11,961	6,336	5,217	5,175
Interest Paid on Deposits	7,871	6,862	4,497	2,503	2,254	2,292
Net Interest Income	10,952	11,121	7,464	3,833	2,962	2,883
Net Interest Income Growth (YoY)	4.89%	48.99%	94.72%	29.40%	2.76%	-8.29%
Income From Trading Activities	593.27	841.07	417.07	300.74	293.94	252.14
Gain (Loss) on Sale of Assets	24.29	27.6	8.96	3.01	48.92	1.12
Gain (Loss) on Sale of Investments	73.42	114.18	154.17	58.93	26.51	31.7
Other Non-Interest Income	1,632	1,467	1,454	836.77	576.71	497.26
Total Non-Interest Income	2,323	2,450	2,034	1,199	946.07	782.22
Non-Interest Income Growth (YoY)	-0.05%	20.44%	69.60%	26.78%	20.95%	-15.92%
Revenues Before Loan Losses	13,275	13,571	9,498	5,033	3,908	3,665
Provision for Loan Losses	373.35	327.19	299.14	195.18	314.84	364.4
Revenue	12,902	13,244	9,199	4,837	3,593	3,300
Revenue Growth (YoY)	5.73%	43.97%	90.17%	34.62%	8.88%	-23.16%
Salaries and Employee Benefits	1,250	1,250	1,040	-	689.64	690.34
Selling, General & Administrative	2,132	1,510	1,114	1,639	658.69	588.25
Other Non-Interest Expense	140.95	-182.19	128.06	-109.87	12.55	76.74
Total Non-Interest Expense	3,522	2,577	2,282	1,529	1,361	1,355
EBT Excluding Unusual Items	9,380	10,667	6,917	3,309	2,233	1,945
Pretax Income	9,380	10,667	6,917	3,309	2,233	1,945
Income Tax Expense	2,291	2,637	1,751	890.78	623.4	573.86
Earnings From Continuing Operations	7,089	8,030	5,166	2,418	1,609	1,371
Minority Interest in Earnings	-0	-0	-0	-0	-0	-0
Net Income	7,089	8,030	5,166	2,418	1,609	1,371
Net Income to Common	7,192	8,030	5,166	2,418	1,609	1,371
Net Income Growth	-4.73%	55.43%	113.68%	50.25%	17.35%	-41.89%
Basic Shares Outstanding	1,250	1,250	1,250	1,250	1,250	1,250
Diluted Shares Outstanding	1,250	1,250	1,250	1,250	1,250	1,250
EPS (Basic)	5.75	6.42	4.13	1.93	1.29	1.10
EPS (Diluted)	5.75	6.42	4.13	1.93	1.29	1.10
EPS Growth	6.21%	55.43%	113.68%	50.25%	17.35%	-41.89%
Dividend Per Share	3.200	3.200	1.146	-	0.740	-
Dividend Growth	179.33%	179.33%	-	-	-	-
Effective Tax Rate	24.42%	24.72%	25.31%	26.92%	27.92%	29.50%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.