alBaraka Bank Egypt S.A.E. (EGX:SAUD)

EGX:SAUD Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	21,421	18,904	12,279	8,350	7,206	7,576
Interest Income on Investments	40.85	23.87	40.55	20.99	6.26	3.39
Total Interest Income	21,461	18,928	12,320	8,371	7,212	7,580
Interest Paid on Deposits	14,643	12,913	7,905	4,908	4,444	5,110
Net Interest Income	6,818	6,015	4,415	3,463	2,768	2,469
Net Interest Income Growth (YoY)	34.15%	36.23%	27.52%	25.10%	12.08%	29.67%
Income From Trading Activities	184.24	165.76	72.12	104.95	63.98	73.7
Gain (Loss) on Sale of Assets	33.32	30.03	33.67	1.61	1.13	-
Gain (Loss) on Sale of Investments	39.03	-	-	-	0.68	2.35
Other Non-Interest Income	1,058	861.23	411.8	268.83	271.55	196.87
Total Non-Interest Income	1,314	1,057	517.59	375.39	337.33	272.92
Non-Interest Income Growth (YoY)	83.41%	104.22%	37.88%	11.28%	23.60%	-25.62%
Revenues Before Loan Losses	8,132	7,072	4,933	3,838	3,105	2,742
Provision for Loan Losses	770.56	608.8	235.3	341.01	554.79	371.59
Revenue	7,362	6,463	4,698	3,497	2,550	2,371
Revenue Growth (YoY)	34.12%	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	2,096	1,803	1,231	900	339	376.77
Other Non-Interest Expense	146.19	364.27	74.09	-64.7	9.89	-320.63
Total Non-Interest Expense	2,242	2,167	1,305	835.3	806.96	342.76
EBT Excluding Unusual Items	5,119	4,297	3,393	2,662	1,743	2,028
Legal Settlements	-5.6	-5.6	-	-11.98	-	-10.43
Pretax Income	5,114	4,291	3,393	2,650	1,743	2,018
Income Tax Expense	1,488	1,285	1,175	900.58	617.43	761.38
Earnings From Continuing Operations	3,625	3,006	2,218	1,749	1,126	1,256
Minority Interest in Earnings	-0.01	-0.01	0.14	-0.03	-0.12	-0.17
Net Income	3,625	3,006	2,218	1,749	1,126	1,256
Preferred Dividends & Other Adjustments	499.91	419.8	326.91	223.68	130.55	172.55
Net Income to Common	3,125	2,586	1,891	1,525	995.24	1,084
Net Income Growth	43.32%	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
Shares Change (YoY)	-3.59%	-	-	-	-	-
EPS (Basic)	4.30	3.56	2.60	2.10	1.37	1.49
EPS (Diluted)	4.30	3.56	2.60	2.10	1.37	1.49
EPS Growth	42.71%	36.74%	23.97%	53.27%	-8.15%	19.35%
Dividend Per Share	0.850	0.850	-	-	-	-
Effective Tax Rate	29.10%	29.96%	34.63%	33.99%	35.42%	37.74%

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