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

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