EGX:SAUD Income Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	23,198	22,470	18,904	12,279	8,350	7,206
Interest Income on Investments	41.2	30.15	23.87	40.55	20.99	6.26
Total Interest Income	23,239	22,500	18,928	12,320	8,371	7,212
Interest Paid on Deposits	14,979	14,991	12,913	7,905	4,908	4,444
Net Interest Income	8,261	7,510	6,015	4,415	3,463	2,768
Net Interest Income Growth	15.31%	24.84%	36.23%	27.52%	25.10%	12.08%
Income From Trading Activities	258.57	210.12	165.76	72.12	104.95	63.98
Gain (Loss) on Sale of Assets	22.57	25.31	30.03	33.67	1.61	1.13
Gain (Loss) on Sale of Investments	52.73	71.74	-	-	-	0.68
Other Non-Interest Income	1,154	1,034	861.23	411.8	268.83	271.55
Total Non-Interest Income	1,488	1,341	1,057	517.59	375.39	337.33
Non-Interest Income Growth	14.04%	26.87%	104.22%	37.88%	11.28%	23.60%
Revenues Before Loan Losses	9,749	8,851	7,072	4,933	3,838	3,105
Provision for Loan Losses	808.51	761.06	608.8	235.3	341.01	554.79
Revenue	8,940	8,090	6,463	4,698	3,497	2,550
Revenue Growth	16.35%	25.16%	37.59%	34.34%	37.12%	7.57%
Salaries and Employee Benefits	-	-	-	-	-	363.97
Occupancy Expenses	-	-	-	-	-	94.1
Selling, General & Administrative	2,940	2,361	1,803	1,231	900	339
Other Non-Interest Expense	162.22	81.83	364.27	74.09	-64.7	9.89
Total Non-Interest Expense	3,102	2,443	2,167	1,305	835.3	806.96
EBT Excluding Unusual Items	5,838	5,646	4,297	3,393	2,662	1,743
Legal Settlements	-1.61	-1.61	-5.6	-	-11.98	-
Pretax Income	5,837	5,645	4,291	3,393	2,650	1,743
Income Tax Expense	1,835	1,642	1,285	1,175	900.58	617.43
Earnings From Continuing Operations	4,001	4,003	3,006	2,218	1,749	1,126
Minority Interest in Earnings	0.24	0.18	-0.01	0.14	-0.03	-0.12
Net Income	4,002	4,003	3,006	2,218	1,749	1,126
Preferred Dividends & Other Adjustments	153.78	527.16	419.8	326.91	223.68	130.55
Net Income to Common	3,848	3,476	2,586	1,891	1,525	995.24
Net Income Growth	19.13%	34.44%	36.74%	23.97%	53.27%	-8.15%
Basic Shares Outstanding	817	727	727	727	727	727
Diluted Shares Outstanding	817	727	727	727	727	727
Shares Change	12.40%	-	-	-	-	-
EPS (Basic)	4.71	4.78	3.56	2.60	2.10	1.37
EPS (Diluted)	4.71	4.78	3.56	2.60	2.10	1.37
EPS Growth	5.98%	34.44%	36.74%	23.97%	53.27%	-8.15%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	-	-	0.850	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	31.44%	29.08%	29.96%	34.63%	33.99%	35.42%