EGX:SAIB Income Statement

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

Millions USD. 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	498.39	500.07	438.81	404.04	379.73	398.58
Interest Income on Investments	1.33	0.8	0.46	0.83	0.57	0.46
Total Interest Income	499.72	500.87	439.27	404.87	380.3	399.04
Interest Paid on Deposits	357.64	364.58	299.36	260.55	236.55	266.38
Net Interest Income	142.08	136.29	139.9	144.31	143.74	132.66
Net Interest Income Growth	9.23%	-2.58%	-3.06%	0.40%	8.35%	5.03%
Income From Trading Activities	3.24	3.16	9.94	6.65	10.97	6.34
Gain (Loss) on Sale of Assets	0.3	0.3	-0.08	0.28	0.36	-
Gain (Loss) on Sale of Investments	1.41	1.31	0.13	0.38	1.63	6.96
Other Non-Interest Income	23.24	24.12	20.89	17.83	22.01	19.22
Total Non-Interest Income	28.19	28.89	30.88	25.15	34.96	32.52
Non-Interest Income Growth	-15.91%	-6.43%	22.80%	-28.08%	7.53%	27.26%
Revenues Before Loan Losses	170.28	165.19	170.79	169.46	178.71	165.18
Provision for Loan Losses	27.91	21.32	23.04	24.99	27.68	19.99
Revenue	142.37	143.87	147.75	144.47	151.03	145.18
Revenue Growth	-1.60%	-2.63%	2.27%	-4.34%	4.02%	1.09%
Selling, General & Administrative	97.96	93.62	89.36	93.1	99.04	100.21
Other Non-Interest Expense	1.57	1.75	3.71	-0.26	1.09	-1.27
Total Non-Interest Expense	98.25	94.2	94.46	93.14	102.61	96.19
EBT Excluding Unusual Items	44.12	49.67	53.29	51.33	48.41	49
Legal Settlements	-0.14	-0.14	-3.36	-0.03	-0.02	-0.1
Pretax Income	43.97	49.53	49.94	51.3	48.4	48.9
Income Tax Expense	21.41	19.42	15.61	20.14	18.24	28.96
Net Income	22.56	30.11	34.32	31.16	30.15	19.93
Preferred Dividends & Other Adjustments	5.5	5.5	8.58	7.83	7.3	4.86
Net Income to Common	17.07	24.61	25.74	23.33	22.86	15.07
Net Income Growth	-22.62%	-4.38%	10.34%	2.05%	51.64%	-3.15%
Basic Shares Outstanding	33	33	33	33	33	33
Diluted Shares Outstanding	33	33	33	33	33	33
Shares Change	0.38%	-	-	-	-	-
EPS (Basic)	0.51	0.74	0.78	0.70	0.69	0.46
EPS (Diluted)	0.51	0.74	0.78	0.70	0.69	0.46
EPS Growth	-22.92%	-4.38%	10.34%	2.05%	51.64%	-3.15%

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	-	-	0.518	0.500	-	-
Dividend Growth	-	-	3.69%	-	-	-
Effective Tax Rate	48.69%	39.21%	31.27%	39.27%	37.69%	59.24%