EGX:HDBK 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 Income on Loans	40,121	29,012	17,015	10,025	6,963
Interest Income on Investments	11.98	11.84	8.57	12.67	5.79
Total Interest Income	40,133	29,024	17,023	10,037	6,969
Interest Paid on Deposits	12,486	10,102	6,577	5,120	3,689
Net Interest Income	27,646	18,921	10,446	4,917	3,280
Net Interest Income Growth (YoY)	46.11%	81.14%	112.45%	49.89%	15.91%
Income From Trading Activities	135.13	104.04	110.89	83.47	65.29
Gain (Loss) on Sale of Assets	7.39	6.3	6.02	4.18	2.74
Gain (Loss) on Sale of Investments	-19.49	-0.01	-	-0.7	-
Gain (Loss) on Sale of Equity Investments	1,213	1,230	537.53	447.77	248.81
Other Non-Interest Income	2,137	1,460	1,441	1,183	974.9
Total Non-Interest Income	3,473	2,800	2,095	1,718	1,292
Non-Interest Income Growth (YoY)	24.02%	33.64%	21.99%	32.97%	6.53%
Revenues Before Loan Losses	31,119	21,722	12,541	6,635	4,572
Provision for Loan Losses	639.05	1,476	953.19	645.08	161.63
Revenue	30,480	20,246	11,588	5,990	4,410
Revenue Growth (YoY)	50.55%	74.71%	93.47%	35.80%	4.48%
Salaries and Employee Benefits	2,048	1,346	1,132	951.52	774.67
Selling, General & Administrative	3,482	2,324	1,616	1,189	962.41
Other Non-Interest Expense	-75.01	-40.46	-4.65	-9.92	-206.4
Total Non-Interest Expense	5,553	3,675	2,780	2,173	1,565
EBT Excluding Unusual Items	24,928	16,571	8,808	3,816	2,846
Legal Settlements	-2.87	-12.94	-5.19	92.5	22.16
Pretax Income	24,925	16,558	8,803	3,909	2,868
Income Tax Expense	6,210	4,104	2,244	1,183	839.61
Earnings From Continuing Operations	18,715	12,454	6,560	2,726	2,028
Minority Interest in Earnings	-34.01	-27.99	-20.05	-15.94	-12.15
Net Income	18,681	12,426	6,540	2,710	2,016
Net Income to Common	18,681	12,426	6,540	2,710	2,016
Net Income Growth	50.34%	90.01%	141.32%	34.42%	-1.68%
Basic Shares Outstanding	531	531	531	531	531
Diluted Shares Outstanding	531	531	531	531	531
EPS (Basic)	35.16	23.39	12.31	5.10	3.79
EPS (Diluted)	35.16	23.39	12.31	5.10	3.79
EPS Growth	50.34%	90.01%	141.32%	34.42%	-1.68%
Dividend Per Share	-	5.000	3.000	1.000	0.714
Dividend Growth	-	66.67%	200.00%	40.00%	-
Effective Tax Rate	24.92%	24.79%	25.49%	30.26%	29.28%

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