EGX:CNFN Income Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 and Dividend Income	1,385	3,486	2,599	1,725	625.32
Total Interest Expense	1,937	1,576	948.74	447.64	190.1
Net Interest Income	-551.22	1,910	1,650	1,277	435.22
Commissions and Fees	212.85	218.65	327.13	248.45	132.53
Other Revenue	5,744	1,701	1,141	804.25	999.89
Revenue Before Loan Losses	5,747	4,225	3,444	2,529	1,724
Provision for Loan Losses	340.68	113.28	215.12	107.34	11.35
Revenue	5,406	4,111	3,229	2,422	1,713
Revenue Growth (YoY)	31.49%	27.32%	33.33%	41.38%	-47.77%
Salaries & Employee Benefits	1,130	836.37	603.25	483.73	363.63
Cost of Services Provided	2,857	783.95	592.69	424.16	329.42
Other Operating Expenses	362.35	1,099	760.41	518.47	261.6
Total Operating Expenses	4,520	2,852	2,075	1,523	1,018
Operating Income	885.41	1,259	1,154	898.83	694.63
Currency Exchange Gain (Loss)	0.66	1.49	-	0.76	0.08
EBT Excluding Unusual Items	886.07	1,261	1,154	899.59	694.71
Other Unusual Items	-240.43	-261.67	-331.24	-152.47	-32.62
Pretax Income	645.64	998.99	1,017	747.12	662.09
Income Tax Expense	174.78	269.03	289.37	218.33	184.03
Earnings From Continuing Ops.	470.86	729.96	728.07	528.78	478.06
Minority Interest in Earnings	-125.76	-72.29	-35.86	-18.07	-13.24
Net Income	345.1	657.67	692.21	510.71	464.82
Net Income to Common	345.1	657.67	692.21	510.71	464.82
Net Income Growth	-47.53%	-4.99%	35.54%	9.87%	31.80%
Shares Outstanding (Basic)	1,190	1,189	1,185	1,178	1,175
Shares Outstanding (Diluted)	1,190	1,189	1,185	1,178	1,175
Shares Change (YoY)	0.09%	0.35%	0.59%	0.24%	0.64%
EPS (Basic)	0.29	0.55	0.58	0.43	0.40
EPS (Diluted)	0.29	0.55	0.58	0.43	0.40
EPS Growth	-47.57%	-5.32%	34.74%	9.61%	30.96%
Free Cash Flow	141.79	164.6	-1,540	-1,808	-377.17
Free Cash Flow Per Share	0.12	0.14	-1.30	-1.53	-0.32
Dividend Per Share	-	-	-	0.253	0.228
Dividend Growth	-	-	-	10.75%	-
Operating Margin	16.38%	30.63%	35.74%	37.11%	40.55%
Profit Margin	6.38%	16.00%	21.44%	21.09%	27.13%
Free Cash Flow Margin	2.62%	4.00%	-47.70%	-74.64%	-22.02%
Effective Tax Rate	27.07%	26.93%	28.44%	29.22%	27.79%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.