EGX:SAUD Income Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	22,470	18,904	12,279	8,350	7,206
Interest Income on Investments	30.15	23.87	40.55	20.99	6.26
Total Interest Income	22,500	18,928	12,320	8,371	7,212
Interest Paid on Deposits	14,991	12,913	7,905	4,908	4,444
Net Interest Income	7,510	6,015	4,415	3,463	2,768
Net Interest Income Growth (YoY)	24.84%	36.23%	27.52%	25.10%	12.08%
Income From Trading Activities	210.12	165.76	72.12	104.95	63.98
Gain (Loss) on Sale of Assets	25.31	30.03	33.67	1.61	1.13
Gain (Loss) on Sale of Investments	71.74	-	-	-	0.68
Other Non-Interest Income	1,034	861.23	411.8	268.83	271.55
Total Non-Interest Income	1,341	1,057	517.59	375.39	337.33
Non-Interest Income Growth (YoY)	26.87%	104.22%	37.88%	11.28%	23.60%
Revenues Before Loan Losses	8,851	7,072	4,933	3,838	3,105
Provision for Loan Losses	761.06	608.8	235.3	341.01	554.79
Revenue	8,090	6,463	4,698	3,497	2,550
Revenue Growth (YoY)	25.16%	37.59%	34.34%	37.12%	7.57%
Salaries and Employee Benefits	-	-	-	-	363.97
Occupancy Expenses	-	-	-	-	94.1
Selling, General & Administrative	2,361	1,803	1,231	900	339
Other Non-Interest Expense	81.83	364.27	74.09	-64.7	9.89
Total Non-Interest Expense	2,443	2,167	1,305	835.3	806.96
EBT Excluding Unusual Items	5,646	4,297	3,393	2,662	1,743
Legal Settlements	-1.61	-5.6	-	-11.98	-
Pretax Income	5,645	4,291	3,393	2,650	1,743
Income Tax Expense	1,642	1,285	1,175	900.58	617.43
Earnings From Continuing Operations	4,003	3,006	2,218	1,749	1,126
Minority Interest in Earnings	0.18	-0.01	0.14	-0.03	-0.12
Net Income	4,003	3,006	2,218	1,749	1,126
Preferred Dividends & Other Adjustments	527.16	419.8	326.91	223.68	130.55
Net Income to Common	3,476	2,586	1,891	1,525	995.24
Net Income Growth	33.20%	35.51%	26.81%	55.36%	-10.37%
Basic Shares Outstanding	727	727	727	727	727
Diluted Shares Outstanding	727	727	727	727	727
EPS (Basic)	4.78	3.56	2.60	2.10	1.37
EPS (Diluted)	4.78	3.56	2.60	2.10	1.37
EPS Growth	34.44%	36.74%	23.97%	53.27%	-8.15%
Dividend Per Share	-	0.850	-	-	-
Effective Tax Rate	29.08%	29.96%	34.63%	33.99%	35.42%

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