EGX:SAUD Income Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	21,998	18,904	12,279	8,350	7,206	7,576
Interest Income on Investments	41.26	23.87	40.55	20.99	6.26	3.39
Total Interest Income	22,040	18,928	12,320	8,371	7,212	7,580
Interest Paid on Deposits	14,876	12,913	7,905	4,908	4,444	5,110
Net Interest Income	7,164	6,015	4,415	3,463	2,768	2,469
Net Interest Income Growth (YoY)	28.81%	36.23%	27.52%	25.10%	12.08%	29.67%
Income From Trading Activities	185.8	165.76	72.12	104.95	63.98	73.7
Gain (Loss) on Sale of Assets	27.91	30.03	33.67	1.61	1.13	-
Gain (Loss) on Sale of Investments	62.43	-	-	-	0.68	2.35
Other Non-Interest Income	1,021	861.23	411.8	268.83	271.55	196.87
Total Non-Interest Income	1,297	1,057	517.59	375.39	337.33	272.92
Non-Interest Income Growth (YoY)	42.18%	104.22%	37.88%	11.28%	23.60%	-25.62%
Revenues Before Loan Losses	8,461	7,072	4,933	3,838	3,105	2,742
Provision for Loan Losses	784.7	608.8	235.3	341.01	554.79	371.59
Revenue	7,676	6,463	4,698	3,497	2,550	2,371
Revenue Growth (YoY)	27.71%	37.59%	34.34%	37.12%	7.57%	17.12%
Salaries and Employee Benefits	-	-	-	-	363.97	286.62
Occupancy Expenses	-	-	-	-	94.1	-
Selling, General & Administrative	2,268	1,803	1,231	900	339	376.77
Other Non-Interest Expense	184.19	364.27	74.09	-64.7	9.89	-320.63
Total Non-Interest Expense	2,453	2,167	1,305	835.3	806.96	342.76
EBT Excluding Unusual Items	5,223	4,297	3,393	2,662	1,743	2,028
Legal Settlements	-5.6	-5.6	-	-11.98	-	-10.43
Pretax Income	5,254	4,291	3,393	2,650	1,743	2,018
Income Tax Expense	1,517	1,285	1,175	900.58	617.43	761.38
Earnings From Continuing Operations	3,737	3,006	2,218	1,749	1,126	1,256
Minority Interest in Earnings	0.16	-0.01	0.14	-0.03	-0.12	-0.17
Net Income	3,737	3,006	2,218	1,749	1,126	1,256
Preferred Dividends & Other Adjustments	506.71	419.8	326.91	223.68	130.55	172.55
Net Income to Common	3,231	2,586	1,891	1,525	995.24	1,084
Net Income Growth	31.91%	35.51%	26.81%	55.36%	-10.37%	17.75%
Basic Shares Outstanding	727	727	727	727	727	727
Diluted Shares Outstanding	727	727	727	727	727	727
EPS (Basic)	4.44	3.56	2.60	2.10	1.37	1.49
EPS (Diluted)	4.44	3.56	2.60	2.10	1.37	1.49
EPS Growth	31.43%	36.74%	23.97%	53.27%	-8.15%	19.35%
Dividend Per Share	0.850	0.850	-	-	-	-
Effective Tax Rate	28.87%	29.96%	34.63%	33.99%	35.42%	37.74%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.