Export Development Bank of Egypt (S.A.E.) (EGX:EXPA)

EGX:EXPA Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2021
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Jun 30, 2021
Interest Income on Loans	29,516	24,919	13,968	8,208	5,618	5,263
Interest Income on Investments	57.12	17.5	20.91	12.92	6.63	7.26
Total Interest Income	29,573	24,936	13,989	8,221	5,625	5,270
Interest Paid on Deposits	19,857	16,230	8,248	5,013	3,691	3,404
Net Interest Income	9,716	8,707	5,740	3,208	1,934	1,866
Net Interest Income Growth (YoY)	20.34%	51.69%	78.90%	65.86%	3.69%	-5.62%
Income From Trading Activities	798.35	774.07	435.38	354.1	220.02	177.17
Gain (Loss) on Sale of Assets	0.2	0.15	60.37	3.02	5.98	8.14
Gain (Loss) on Sale of Investments	103.24	33.86	16.41	13.88	5.8	12.7
Other Non-Interest Income	1,755	1,855	1,526	583.83	419.68	376.74
Total Non-Interest Income	2,657	2,663	2,038	954.84	651.47	574.75
Non-Interest Income Growth (YoY)	2.83%	30.71%	113.41%	46.56%	13.35%	19.64%
Revenues Before Loan Losses	12,373	11,370	7,778	4,163	2,586	2,440
Provision for Loan Losses	665.79	643.71	651.2	360.59	177.47	115.15
Revenue	11,707	10,727	7,127	3,803	2,408	2,325
Revenue Growth (YoY)	16.23%	50.52%	87.41%	57.89%	3.58%	-8.04%
Salaries and Employee Benefits	292.06	-	-	-	694.19	659.71
Occupancy Expenses	33.31	-	-	-	153.44	145.66
Selling, General & Administrative	3,385	3,134	2,262	1,711	315.87	283.64
Other Non-Interest Expense	-50.52	222.21	61.15	-17.87	122.97	150.4
Total Non-Interest Expense	3,660	3,356	2,323	1,693	1,286	1,239
EBT Excluding Unusual Items	8,047	7,370	4,804	2,109	1,122	1,086
Pretax Income	8,047	7,370	4,804	2,109	1,122	1,086
Income Tax Expense	2,468	2,151	1,401	770.04	430.56	390.45
Earnings From Continuing Operations	5,579	5,220	3,402	1,339	691.33	695.36
Minority Interest in Earnings	-8.54	-16.53	-27.14	-18.31	-13.8	-9.86
Net Income	5,570	5,203	3,375	1,321	677.53	685.5
Net Income to Common	5,570	5,203	3,375	1,321	677.53	685.5
Net Income Growth	10.57%	54.15%	155.54%	94.95%	-1.16%	-37.01%
Basic Shares Outstanding	1,360	1,360	1,360	1,154	-	804
Diluted Shares Outstanding	1,360	1,360	1,360	1,154	-	804
Shares Change (YoY)	-	-	17.85%	-	-	-2.99%
EPS (Basic)	4.10	3.83	2.48	1.14	-	0.85
EPS (Diluted)	4.10	3.83	2.48	1.14	-	0.85
EPS Growth	10.57%	54.15%	116.83%	-	-	-35.07%
Effective Tax Rate	30.67%	29.18%	29.17%	36.51%	38.38%	35.96%

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