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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	487.44	438.81	404.04	379.73	398.58	399.2
Interest Income on Investments	0.43	0.46	0.83	0.57	0.46	0.86
Total Interest Income	487.86	439.27	404.87	380.3	399.04	400.06
Interest Paid on Deposits	351.17	299.36	260.55	236.55	266.38	273.75
Net Interest Income	136.7	139.9	144.31	143.74	132.66	126.31
Net Interest Income Growth (YoY)	-5.32%	-3.06%	0.40%	8.35%	5.03%	32.60%
Income From Trading Activities	11.02	9.94	6.65	10.97	6.34	6.61
Gain (Loss) on Sale of Assets	0.16	-0.08	0.28	0.36	-	0.19
Gain (Loss) on Sale of Investments	0.97	0.13	0.38	1.63	6.96	1.98
Other Non-Interest Income	22.66	20.89	17.83	22.01	19.22	16.77
Total Non-Interest Income	34.81	30.88	25.15	34.96	32.52	25.55
Non-Interest Income Growth (YoY)	35.43%	22.80%	-28.08%	7.53%	27.26%	-32.34%
Revenues Before Loan Losses	171.51	170.79	169.46	178.71	165.18	151.86
Provision for Loan Losses	21.15	23.04	24.99	27.68	19.99	8.25
Revenue	150.36	147.75	144.47	151.03	145.18	143.61
Revenue Growth (YoY)	-0.37%	2.27%	-4.34%	4.02%	1.09%	7.71%
Selling, General & Administrative	93.53	89.36	93.1	99.04	100.21	90.19
Other Non-Interest Expense	3.34	3.71	-0.26	1.09	-1.27	2.34
Total Non-Interest Expense	95.95	94.46	93.14	102.61	96.19	92.56
EBT Excluding Unusual Items	54.41	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	51.05	49.94	51.3	48.4	48.9	53.3
Income Tax Expense	18.61	15.61	20.14	18.24	28.96	32.86
Net Income	32.44	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	23.85	25.74	23.33	22.86	15.07	15.56
Net Income Growth	-16.09%	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)	0.72	0.78	0.70	0.69	0.46	0.47
EPS (Diluted)	0.72	0.78	0.70	0.69	0.46	0.47
EPS Growth	-22.63%	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	36.46%	31.27%	39.27%	37.69%	59.24%	61.65%

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