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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Jun 30, 2021
Interest Income on Loans	29,041	24,919	13,968	8,208	5,618	5,263
Interest Income on Investments	22	17.5	20.91	12.92	6.63	7.26
Total Interest Income	29,063	24,936	13,989	8,221	5,625	5,270
Interest Paid on Deposits	19,602	16,230	8,248	5,013	3,691	3,404
Net Interest Income	9,461	8,707	5,740	3,208	1,934	1,866
Net Interest Income Growth (YoY)	28.43%	51.69%	78.90%	65.86%	3.69%	-5.62%
Income From Trading Activities	752.19	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	294.9	33.86	16.41	13.88	5.8	12.7
Other Non-Interest Income	1,767	1,855	1,526	583.83	419.68	376.74
Total Non-Interest Income	2,814	2,663	2,038	954.84	651.47	574.75
Non-Interest Income Growth (YoY)	16.50%	30.71%	113.41%	46.56%	13.35%	19.64%
Revenues Before Loan Losses	12,275	11,370	7,778	4,163	2,586	2,440
Provision for Loan Losses	563.2	643.71	651.2	360.59	177.47	115.15
Revenue	11,712	10,727	7,127	3,803	2,408	2,325
Revenue Growth (YoY)	27.92%	50.52%	87.41%	57.89%	3.58%	-8.04%
Salaries and Employee Benefits	205.56	-	-	-	694.19	659.71
Occupancy Expenses	24.58	-	-	-	153.44	145.66
Selling, General & Administrative	3,349	3,134	2,262	1,711	315.87	283.64
Other Non-Interest Expense	160.01	222.21	61.15	-17.87	122.97	150.4
Total Non-Interest Expense	3,739	3,356	2,323	1,693	1,286	1,239
EBT Excluding Unusual Items	7,972	7,370	4,804	2,109	1,122	1,086
Pretax Income	7,972	7,370	4,804	2,109	1,122	1,086
Income Tax Expense	2,489	2,151	1,401	770.04	430.56	390.45
Earnings From Continuing Operations	5,483	5,220	3,402	1,339	691.33	695.36
Minority Interest in Earnings	-10.66	-16.53	-27.14	-18.31	-13.8	-9.86
Net Income	5,473	5,203	3,375	1,321	677.53	685.5
Net Income to Common	5,473	5,203	3,375	1,321	677.53	685.5
Net Income Growth	21.63%	54.15%	155.54%	94.95%	-1.16%	-37.01%
Basic Shares Outstanding	990	990	990	840	-	585
Diluted Shares Outstanding	990	990	990	840	-	585
Shares Change (YoY)	-0.00%	-	17.85%	-	-	-2.99%
EPS (Basic)	5.53	5.26	3.41	1.57	-	1.17
EPS (Diluted)	5.53	5.26	3.41	1.57	-	1.17
EPS Growth	21.63%	54.15%	116.83%	-	-	-35.07%
Effective Tax Rate	31.22%	29.18%	29.17%	36.51%	38.38%	35.96%

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