CIBEY 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	211,600	182,735	104,028	55,724	45,078
Interest Income on Investments	216.27	195.05	234.01	52.41	59.73
Total Interest Income	211,816	182,931	104,262	55,776	45,138
Interest Paid on Deposits	103,901	91,671	51,099	24,719	20,112
Net Interest Income	107,916	91,259	53,164	31,057	25,026
Net Interest Income Growth (YoY)	18.25%	71.66%	71.18%	24.10%	-0.78%
Income From Trading Activities	1,801	20,472	3,943	2,750	708.3
Gain (Loss) on Sale of Assets	13.01	2.25	1.66	2.21	2.95
Gain (Loss) on Sale of Investments	775.84	459.34	221.81	1,162	594.86
Other Non-Interest Income	9,219	7,085	5,438	3,078	2,390
Total Non-Interest Income	11,809	28,019	9,605	6,992	3,697
Non-Interest Income Growth (YoY)	-57.86%	191.72%	37.36%	89.15%	8.52%
Revenues Before Loan Losses	119,724	119,278	62,768	38,050	28,722
Provision for Loan Losses	-8,817	4,524	4,270	1,585	1,680
Revenue	128,542	114,754	58,498	36,465	27,042
Revenue Growth (YoY)	12.02%	96.17%	60.42%	34.84%	14.54%
Salaries and Employee Benefits	-	-	-	-	609.74
Amortization of Goodwill & Intangibles	-	-	24.19	10.37	10.37
Selling, General & Administrative	17,562	13,896	10,076	7,372	5,573
Other Non-Interest Expense	-591.5	23,705	6,592	5,082	1,990
Total Non-Interest Expense	16,960	37,619	16,749	12,482	8,168
EBT Excluding Unusual Items	111,582	77,136	41,750	23,983	18,875
Pretax Income	111,582	77,136	41,653	23,941	18,833
Income Tax Expense	29,323	21,879	11,942	7,769	5,566
Earnings From Continuing Operations	82,259	55,257	29,711	16,172	13,268
Earnings From Discontinued Operations	-	-	-42.1	-	-
Minority Interest in Earnings	-19.96	-60.34	-34.32	-57.76	4.45
Net Income	82,239	55,196	29,635	16,114	13,272
Preferred Dividends & Other Adjustments	20,605	5,489	3,857	1,712	1,248
Net Income to Common	61,634	49,707	25,777	14,402	12,024
Net Income Growth	48.99%	86.26%	83.90%	21.41%	29.64%
Basic Shares Outstanding	3,378	3,378	3,336	3,302	3,281
Diluted Shares Outstanding	3,415	3,415	3,378	3,342	3,312
Shares Change (YoY)	-	1.09%	1.08%	0.91%	0.83%
EPS (Basic)	18.25	14.72	7.73	4.36	3.66
EPS (Diluted)	18.05	14.56	7.63	4.31	3.63
EPS Growth	23.97%	90.89%	77.00%	18.80%	29.65%
Dividend Per Share	-	-	0.500	0.489	0.818
Dividend Growth	-	-	2.23%	-40.22%	-
Effective Tax Rate	26.28%	28.36%	28.67%	32.45%	29.55%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.