Société Arabe Internationale de Banque S.A.E (EGX:SAIB)

EGX:SAIB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	441.12	438.81	404.04	379.73	398.58	399.2
Interest Income on Investments	0.48	0.46	0.83	0.57	0.46	0.86
Total Interest Income	441.6	439.27	404.87	380.3	399.04	400.06
Interest Paid on Deposits	313.52	299.36	260.55	236.55	266.38	273.75
Net Interest Income	128.07	139.9	144.31	143.74	132.66	126.31
Net Interest Income Growth (YoY)	-16.40%	-3.06%	0.40%	8.35%	5.03%	32.60%
Income From Trading Activities	11.12	9.94	6.65	10.97	6.34	6.61
Gain (Loss) on Sale of Assets	-0.02	-0.08	0.28	0.36	-	0.19
Gain (Loss) on Sale of Investments	1.58	0.13	0.38	1.63	6.96	1.98
Other Non-Interest Income	21.15	20.89	17.83	22.01	19.22	16.77
Total Non-Interest Income	33.83	30.88	25.15	34.96	32.52	25.55
Non-Interest Income Growth (YoY)	56.88%	22.80%	-28.08%	7.53%	27.26%	-32.34%
Revenues Before Loan Losses	161.9	170.79	169.46	178.71	165.18	151.86
Provision for Loan Losses	22.42	23.04	24.99	27.68	19.99	8.25
Revenue	139.48	147.75	144.47	151.03	145.18	143.61
Revenue Growth (YoY)	-9.61%	2.27%	-4.34%	4.02%	1.09%	7.71%
Selling, General & Administrative	89.78	89.36	93.1	99.04	100.21	90.19
Other Non-Interest Expense	4.28	3.71	-0.26	1.09	-1.27	2.34
Total Non-Interest Expense	93.74	94.46	93.14	102.61	96.19	92.56
EBT Excluding Unusual Items	45.74	53.29	51.33	48.41	49	51.05
Legal Settlements	-3.36	-3.36	-0.03	-0.02	-0.1	2.25
Pretax Income	42.39	49.94	51.3	48.4	48.9	53.3
Income Tax Expense	12.66	15.61	20.14	18.24	28.96	32.86
Net Income	29.73	34.32	31.16	30.15	19.93	20.44
Preferred Dividends & Other Adjustments	8.58	8.58	7.83	7.3	4.86	4.88
Net Income to Common	21.15	25.74	23.33	22.86	15.07	15.56
Net Income Growth	-21.54%	10.17%	3.32%	51.28%	-2.48%	84.01%
Basic Shares Outstanding	33	33	33	33	33	33
Diluted Shares Outstanding	33	33	33	33	33	33
EPS (Basic)	0.64	0.78	0.70	0.69	0.46	0.47
EPS (Diluted)	0.64	0.78	0.70	0.69	0.46	0.47
EPS Growth	-29.66%	10.34%	2.05%	51.64%	-3.15%	115.59%
Dividend Per Share	0.518	0.518	0.500	-	-	-
Dividend Growth	3.69%	3.69%	-	-	-	-
Effective Tax Rate	29.86%	31.27%	39.27%	37.69%	59.24%	61.65%

Updated Feb 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.