Housing and Development Bank- Egypt (S.A.E) (EGX:HDBK)

EGX:HDBK 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	38,067	29,012	17,015	10,025	6,963	6,043
Interest Income on Investments	11.68	11.84	8.57	12.67	5.79	5.8
Total Interest Income	38,079	29,024	17,023	10,037	6,969	6,049
Interest Paid on Deposits	12,116	10,102	6,577	5,120	3,689	3,219
Net Interest Income	25,962	18,921	10,446	4,917	3,280	2,830
Net Interest Income Growth (YoY)	58.11%	81.14%	112.45%	49.89%	15.91%	-5.73%
Income From Trading Activities	101.65	104.04	110.89	83.47	65.29	54.7
Gain (Loss) on Sale of Assets	8.61	6.3	6.02	4.18	2.74	14.25
Gain (Loss) on Sale of Investments	-19.49	-0.01	-	-0.7	-	-
Gain (Loss) on Sale of Equity Investments	1,084	1,230	537.53	447.77	248.81	267.65
Other Non-Interest Income	1,789	1,460	1,441	1,183	974.9	875.93
Total Non-Interest Income	2,964	2,800	2,095	1,718	1,292	1,213
Non-Interest Income Growth (YoY)	1.27%	33.64%	21.99%	32.97%	6.53%	-32.88%
Revenues Before Loan Losses	28,926	21,722	12,541	6,635	4,572	4,043
Provision for Loan Losses	775.33	1,476	953.19	645.08	161.63	-178.83
Revenue	28,151	20,246	11,588	5,990	4,410	4,221
Revenue Growth (YoY)	56.04%	74.71%	93.47%	35.80%	4.48%	-3.92%
Salaries and Employee Benefits	1,719	1,346	1,132	951.52	774.67	686
Selling, General & Administrative	3,148	2,324	1,616	1,189	962.41	813.57
Other Non-Interest Expense	-45.34	-40.46	-4.65	-9.92	-206.4	-121.79
Total Non-Interest Expense	4,874	3,675	2,780	2,173	1,565	1,412
EBT Excluding Unusual Items	23,276	16,571	8,808	3,816	2,846	2,810
Legal Settlements	-1.04	-12.94	-5.19	92.5	22.16	-0.58
Pretax Income	23,275	16,558	8,803	3,909	2,868	2,809
Income Tax Expense	5,777	4,104	2,244	1,183	839.61	749
Earnings From Continuing Operations	17,498	12,454	6,560	2,726	2,028	2,060
Minority Interest in Earnings	-30.54	-27.99	-20.05	-15.94	-12.15	-9.9
Net Income	17,468	12,426	6,540	2,710	2,016	2,050
Net Income to Common	17,468	12,426	6,540	2,710	2,016	2,050
Net Income Growth	56.11%	90.01%	141.32%	34.42%	-1.68%	-7.38%
Basic Shares Outstanding	531	531	531	531	531	531
Diluted Shares Outstanding	531	531	531	531	531	531
EPS (Basic)	32.88	23.39	12.31	5.10	3.79	3.86
EPS (Diluted)	32.88	23.39	12.31	5.10	3.79	3.86
EPS Growth	56.11%	90.01%	141.32%	34.42%	-1.68%	-7.38%
Dividend Per Share	5.000	5.000	3.000	1.000	0.714	-
Dividend Growth	66.67%	66.67%	200.00%	40.00%	-	-
Effective Tax Rate	24.82%	24.79%	25.49%	30.26%	29.28%	26.66%

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