EGX:HDBK Income Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	42,833	40,121	29,012	17,015	10,025	6,963
Interest Income on Investments	10.24	11.98	11.84	8.57	12.67	5.79
Total Interest Income	42,844	40,133	29,024	17,023	10,037	6,969
Interest Paid on Deposits	13,030	12,486	10,102	6,577	5,120	3,689
Net Interest Income	29,813	27,646	18,921	10,446	4,917	3,280
Net Interest Income Growth	24.12%	46.11%	81.14%	112.45%	49.89%	15.91%
Income From Trading Activities	169.1	135.13	104.04	110.89	83.47	65.29
Gain (Loss) on Sale of Assets	8.18	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	1,495	1,213	1,230	537.53	447.77	248.81
Other Non-Interest Income	2,412	2,137	1,460	1,441	1,183	974.9
Total Non-Interest Income	4,085	3,473	2,800	2,095	1,718	1,292
Non-Interest Income Growth	39.78%	24.02%	33.64%	21.99%	32.97%	6.53%
Revenues Before Loan Losses	33,898	31,119	21,722	12,541	6,635	4,572
Provision for Loan Losses	1,098	639.05	1,476	953.19	645.08	161.63
Revenue	32,800	30,480	20,246	11,588	5,990	4,410
Revenue Growth	26.68%	50.55%	74.71%	93.47%	35.80%	4.48%
Salaries and Employee Benefits	2,269	2,048	1,346	1,132	951.52	774.67
Selling, General & Administrative	3,877	3,482	2,324	1,616	1,189	962.41
Other Non-Interest Expense	-48	-75.01	-40.46	-4.65	-9.92	-206.4
Total Non-Interest Expense	6,189	5,553	3,675	2,780	2,173	1,565
EBT Excluding Unusual Items	26,612	24,928	16,571	8,808	3,816	2,846
Legal Settlements	-4.07	-2.87	-12.94	-5.19	92.5	22.16
Pretax Income	26,607	24,925	16,558	8,803	3,909	2,868
Income Tax Expense	6,671	6,210	4,104	2,244	1,183	839.61
Earnings From Continuing Operations	19,937	18,715	12,454	6,560	2,726	2,028
Minority Interest in Earnings	-37.68	-34.01	-27.99	-20.05	-15.94	-12.15
Net Income	19,899	18,681	12,426	6,540	2,710	2,016
Net Income to Common	19,899	18,681	12,426	6,540	2,710	2,016
Net Income Growth	24.27%	50.34%	90.01%	141.32%	34.42%	-1.68%
Basic Shares Outstanding	1,063	1,063	1,063	1,063	1,063	1,063
Diluted Shares Outstanding	1,063	1,063	1,063	1,063	1,063	1,063
Shares Change	-	-	-	-	-	-
EPS (Basic)	18.73	17.58	11.69	6.15	2.55	1.90
EPS (Diluted)	18.73	17.58	11.69	6.15	2.55	1.90
EPS Growth	24.27%	50.34%	90.01%	141.32%	34.42%	-1.68%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	-	-	2.500	1.500	0.500	0.357
Dividend Growth	-	-	66.67%	200.00%	40.02%	-
Effective Tax Rate	25.07%	24.92%	24.79%	25.49%	30.26%	29.28%