Equity Group Holdings Plc (UGSE:EBL)

Equity Group Holdings Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	183,762	185,344	164,214	128,528	102,065	80,386
Interest Paid on Deposits	53,766	61,575	51,191	33,635	25,534	18,616
Net Interest Income	136,767	123,769	113,023	94,893	76,531	61,770
Net Interest Income Growth (YoY)	13.03%	9.51%	19.11%	23.99%	23.90%	22.12%
Gain (Loss) on Sale of Assets	434	434	18	25	-	7
Gain (Loss) on Sale of Investments	443	443	1,035	1,524	2,951	3,056
Other Non-Interest Income	58,677	57,143	54,118	38,303	25,427	22,108
Total Non-Interest Income	61,994	60,460	54,388	39,467	28,250	21,932
Non-Interest Income Growth (YoY)	7.37%	11.16%	37.81%	39.71%	28.81%	11.61%
Revenues Before Loan Losses	198,761	184,229	167,411	134,360	104,781	83,702
Provision for Loan Losses	22,215	23,261	32,954	13,352	4,783	22,626
Revenue	176,546	160,968	134,457	121,008	99,998	61,076
Revenue Growth (YoY)	16.07%	19.72%	11.11%	21.01%	63.73%	-8.53%
Salaries and Employee Benefits	37,981	33,364	32,011	24,777	19,108	15,542
Occupancy Expenses	8,918	8,151	7,321	7,371	7,228	6,601
Selling, General & Administrative	52,742	52,930	43,246	29,767	1,430	1,274
Other Non-Interest Expense	1,249	5,782	-	-751	20,351	16,666
Total Non-Interest Expense	101,243	100,227	82,578	61,164	48,117	40,083
EBT Excluding Unusual Items	75,303	60,741	51,879	59,844	51,881	20,993
Other Unusual Items	-	-	-	-	-	1,177
Pretax Income	75,303	60,741	51,879	59,844	51,881	22,170
Income Tax Expense	13,297	11,917	8,142	13,741	11,809	2,070
Earnings From Continuing Operations	62,006	48,824	43,737	46,103	40,072	20,100
Minority Interest in Earnings	-2,625	-2,275	-1,760	-1,209	-897	-310
Net Income	59,381	46,549	41,977	44,894	39,175	19,790
Net Income to Common	59,381	46,549	41,977	44,894	39,175	19,790
Net Income Growth	27.22%	10.89%	-6.50%	14.60%	97.95%	-11.60%
Basic Shares Outstanding	3,774	3,774	3,774	3,774	3,774	3,774
Diluted Shares Outstanding	3,774	3,774	3,774	3,774	3,774	3,774
Shares Change (YoY)	-0.04%	-	-	0.01%	-	-
EPS (Basic)	15.73	12.33	11.12	11.90	10.38	5.24
EPS (Diluted)	15.73	12.33	11.12	11.90	10.38	5.24
EPS Growth	27.27%	10.89%	-6.50%	14.59%	97.95%	-11.60%
Dividend Per Share	-	4.250	4.000	4.000	3.000	-
Dividend Growth	-	6.25%	-	33.33%	-	-
Effective Tax Rate	17.66%	19.62%	15.69%	22.96%	22.76%	9.34%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.