Société Arabe Internationale de Banque S.A.E (EGX:SAIB)

EGX:SAIB Income Statement

Financials in millions USD. 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	458.58	438.81	404.04	379.73	398.58	399.2
Interest Income on Investments	0.44	0.46	0.83	0.57	0.46	0.86
Total Interest Income	459.01	439.27	404.87	380.3	399.04	400.06
Interest Paid on Deposits	328.94	299.36	260.55	236.55	266.38	273.75
Net Interest Income	130.08	139.9	144.31	143.74	132.66	126.31
Net Interest Income Growth (YoY)	-14.06%	-3.06%	0.40%	8.35%	5.03%	32.60%
Income From Trading Activities	11.28	9.94	6.65	10.97	6.34	6.61
Gain (Loss) on Sale of Assets	-0.11	-0.08	0.28	0.36	-	0.19
Gain (Loss) on Sale of Investments	1.4	0.13	0.38	1.63	6.96	1.98
Other Non-Interest Income	20.95	20.89	17.83	22.01	19.22	16.77
Total Non-Interest Income	33.53	30.88	25.15	34.96	32.52	25.55
Non-Interest Income Growth (YoY)	43.77%	22.80%	-28.08%	7.53%	27.26%	-32.34%
Revenues Before Loan Losses	163.6	170.79	169.46	178.71	165.18	151.86
Provision for Loan Losses	18.91	23.04	24.99	27.68	19.99	8.25
Revenue	144.69	147.75	144.47	151.03	145.18	143.61
Revenue Growth (YoY)	-6.49%	2.27%	-4.34%	4.02%	1.09%	7.71%
Selling, General & Administrative	90.55	89.36	93.1	99.04	100.21	90.19
Other Non-Interest Expense	5.21	3.71	-0.26	1.09	-1.27	2.34
Total Non-Interest Expense	95.36	94.46	93.14	102.61	96.19	92.56
EBT Excluding Unusual Items	49.33	53.29	51.33	48.41	49	51.05
Legal Settlements	-3.36	-3.36	-0.03	-0.02	-0.1	2.25
Pretax Income	45.98	49.94	51.3	48.4	48.9	53.3
Income Tax Expense	15.34	15.61	20.14	18.24	28.96	32.86
Net Income	30.64	34.32	31.16	30.15	19.93	20.44
Preferred Dividends & Other Adjustments	8.58	8.58	7.83	7.3	4.86	4.88
Net Income to Common	22.06	25.74	23.33	22.86	15.07	15.56
Net Income Growth	-22.56%	10.17%	3.32%	51.28%	-2.48%	84.01%
Basic Shares Outstanding	33	33	33	33	33	33
Diluted Shares Outstanding	33	33	33	33	33	33
EPS (Basic)	0.67	0.78	0.70	0.69	0.46	0.47
EPS (Diluted)	0.67	0.78	0.70	0.69	0.46	0.47
EPS Growth	-30.47%	10.34%	2.05%	51.64%	-3.15%	115.59%
Dividend Per Share	0.518	0.518	0.500	-	-	-
Dividend Growth	3.69%	3.69%	-	-	-	-
Effective Tax Rate	33.36%	31.27%	39.27%	37.69%	59.24%	61.65%

Updated Feb 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.