EGX:SAIB Income Statement

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

Millions USD. 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	500.07	438.81	404.04	379.73	398.58
Interest Income on Investments	0.8	0.46	0.83	0.57	0.46
Total Interest Income	500.87	439.27	404.87	380.3	399.04
Interest Paid on Deposits	364.58	299.36	260.55	236.55	266.38
Net Interest Income	136.29	139.9	144.31	143.74	132.66
Net Interest Income Growth (YoY)	-2.58%	-3.06%	0.40%	8.35%	5.03%
Income From Trading Activities	3.16	9.94	6.65	10.97	6.34
Gain (Loss) on Sale of Assets	0.3	-0.08	0.28	0.36	-
Gain (Loss) on Sale of Investments	1.31	0.13	0.38	1.63	6.96
Other Non-Interest Income	24.12	20.89	17.83	22.01	19.22
Total Non-Interest Income	28.89	30.88	25.15	34.96	32.52
Non-Interest Income Growth (YoY)	-6.43%	22.80%	-28.08%	7.53%	27.26%
Revenues Before Loan Losses	165.19	170.79	169.46	178.71	165.18
Provision for Loan Losses	21.32	23.04	24.99	27.68	19.99
Revenue	143.87	147.75	144.47	151.03	145.18
Revenue Growth (YoY)	-2.63%	2.27%	-4.34%	4.02%	1.09%
Selling, General & Administrative	93.62	89.36	93.1	99.04	100.21
Other Non-Interest Expense	1.75	3.71	-0.26	1.09	-1.27
Total Non-Interest Expense	94.2	94.46	93.14	102.61	96.19
EBT Excluding Unusual Items	49.67	53.29	51.33	48.41	49
Legal Settlements	-0.14	-3.36	-0.03	-0.02	-0.1
Pretax Income	49.53	49.94	51.3	48.4	48.9
Income Tax Expense	19.42	15.61	20.14	18.24	28.96
Net Income	30.11	34.32	31.16	30.15	19.93
Preferred Dividends & Other Adjustments	5.5	8.58	7.83	7.3	4.86
Net Income to Common	24.61	25.74	23.33	22.86	15.07
Net Income Growth	-12.28%	10.17%	3.32%	51.28%	-2.48%
Basic Shares Outstanding	33	33	33	33	33
Diluted Shares Outstanding	33	33	33	33	33
EPS (Basic)	0.74	0.78	0.70	0.69	0.46
EPS (Diluted)	0.74	0.78	0.70	0.69	0.46
EPS Growth	-4.38%	10.34%	2.05%	51.64%	-3.15%
Dividend Per Share	-	0.518	0.500	-	-
Dividend Growth	-	3.69%	-	-	-
Effective Tax Rate	39.21%	31.27%	39.27%	37.69%	59.24%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.