Business Segments EFG Holding Company S.A.E

Equities

HRHO

EGS69101C011

Investment Banking & Brokerage Services

End-of-day quote Egyptian Exchange Other stock markets 2025-06-24			5-day change	1st Jan Change
28.10 ^EGP	+2.18%		+11.38%	+35.75%

Jun. 23	MIDEAST STOCKS-Most Gulf markets in black despite regional conflict	RE
Jun. 23	Egyptian retail finance provider Valu makes trading debut on exchange	RE

Sales 2024 by Business Segment

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Sales 2024 by Geography

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Historical Breakdown of Revenue by Business Segments

Net Income: Breakdown by Business Segment

Breakdown by Business Segment (EGP)

Fiscal Period: December	2020	2021	2022	2023	2024
Securities and Commodities Markets Services
Brokerage	1.22B	1.49B	1.95B	3.38B	5.93B
Total Assets	12.97B	19.82B	16.87B	19.57B	45.85B
Interest Expense	-173M	-174M	-225M	-296M	-585M
Income Tax Expense	16.48M	67.73M	109M	226M	398M
EBT	-47.42M	124M	-65.16M	423M	902M
D&A	36.7M	22.53M	25.98M	38.44M	45.34M
Net Income	-63.9M	56.62M	-174M	197M	504M
Diversified Commercial Banks
Commercial Bank (Bank NXT)	-	225M	1.82B	3.17B	4.81B
Total Assets	-	45.55B	55.89B	61.95B	80B
Interest Expense	-	-504M	-3.6B	-5.13B	-8.46B
Income Tax Expense	-	45.55M	357M	410M	873M
EBT	-	120M	872M	1.56B	2.47B
D&A	-	11.08M	83.76M	85.12M	132M
Net Income	-	74.88M	515M	1.15B	1.6B
Investment Funds
Holding & Treasury (Excluding Consumer Finance and Factoring)	1.96B	1.11B	452M	1.85B	2.95B
Total Assets	15.24B	17.41B	13.58B	17.46B	25.34B
Interest Expense	-196M	-323M	-428M	-707M	-1.41B
Income Tax Expense	165M	34.45M	413M	244M	755M
EBT	909M	807M	1.71B	1.49B	1.97B
D&A	50.89M	31.64M	36.88M	134M	167M
Net Income	744M	773M	1.3B	1.25B	1.22B
Asset Management	414M	619M	621M	1.14B	1.73B
Total Assets	733M	990M	1.36B	1.57B	2.25B
Interest Expense	-	-	-	-	-
Income Tax Expense	-5.71M	-9.93M	-11.01M	8.45M	-20.92M
EBT	72.11M	188M	93.96M	336M	437M
D&A	13.98M	7.9M	12.75M	9.84M	14.95M
Net Income	77.82M	198M	105M	327M	458M
Private Equity	407M	99.17M	141M	244M	301M
Total Assets	549M	382M	292M	411M	563M
Interest Expense	-1.79M	-1.39M	-	-	-
Income Tax Expense	44.65M	673K	4.83M	1.64M	-399K
EBT	269M	-31.32M	-35.77M	-14.72M	-120M
D&A	322K	235K	441K	3.91M	5.71M
Net Income	224M	-31.99M	-40.59M	-16.37M	-120M
Holding & Treasury Activities	-	-	-	-	-
Interest Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Net Income	-	-	-	-	-
Investment Banking
Investment Banking	237M	489M	748M	734M	2.34B
Total Assets	486M	169M	733M	420M	1.67B
Interest Expense	-5.17M	-7.63M	-12.5M	-27.43M	-64.08M
Income Tax Expense	3.67M	5.38M	6.24M	16.05M	54.94M
EBT	62.54M	166M	21.49M	-76.51M	710M
D&A	306K	331K	359K	342K	507K
Net Income	58.86M	161M	15.25M	-92.56M	655M
Personal Credit Agencies
Micro Finance	932M	1.39B	1.5B	1.21B	1.85B
Total Assets	2.84B	2.93B	4.71B	5.69B	6.86B
Interest Expense	-323M	-264M	-435M	-771M	-1.46B
Income Tax Expense	89.79M	167M	164M	49.7M	74.81M
EBT	318M	660M	602M	55.97M	144M
D&A	61.89M	50.68M	55.65M	69.17M	77.88M
Net Income	229M	493M	438M	6.27M	69.5M
Consumer Finance	98.87M	215M	644M	1.09B	1.67B
Total Assets	710M	1.79B	4.1B	5.87B	10.56B
Interest Expense	-26.25M	-62.92M	-270M	-728M	-1.46B
Income Tax Expense	-	2.47M	6.51M	73.96M	105M
EBT	12.24M	35.73M	38.67M	314M	587M
D&A	5.1M	6.21M	11.92M	29.37M	56.43M
Net Income	12.24M	33.26M	32.16M	240M	482M
Credit Agencies
Leasing	144M	187M	277M	302M	560M
Total Assets	4.44B	5.25B	5.17B	6.24B	8.74B
Interest Expense	-309M	-433M	-600M	-924M	-1.56B
Income Tax Expense	13.13M	33.13M	49.03M	56.04M	118M
EBT	68.21M	134M	164M	210M	538M
D&A	210K	282K	349K	400K	288K
Net Income	55.08M	101M	115M	154M	420M
Factoring	23.08M	38.77M	43.21M	69.68M	67.33M
Total Assets	780M	1.92B	2.54B	2.37B	4.59B
Interest Expense	-39.54M	-91.81M	-200M	-338M	-623M
Income Tax Expense	2.19M	3.29M	5.43M	7.26M	15.43M
EBT	5.66M	14.06M	8.95M	31.63M	54.21M
D&A	1.75M	1.78M	1.81M	1.86M	609K
Net Income	3.47M	10.77M	3.52M	24.36M	38.78M
SME Lending	-	-	-	-	14.93M
Total Assets	-	-	-	-	90.75M
Interest Expense	-	-	-	-	-118K
Income Tax Expense	-	-	-	-	170K
EBT	-	-	-	-	-7.38M
D&A	-	-	-	-	99K
Net Income	-	-	-	-	-7.55M
Unallocated Adjustments	-76.75M	-39.51M	-15.61M	-51.28M	-65.66M
Interest Expense	-29.46M	30.81M	70.51M	55.38M	364M
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	47.41M	60.16M	96.82M	133M
Net Income	-	-	-	-	-
Finance Holdings	-	961K	22.71M	45.58M	-117M
Total Assets	-	386M	270M	355M	374M
Interest Expense	-	-	-	-	-46.08M
Income Tax Expense	-	751K	-149K	1.31M	-2.48M
EBT	-	-293M	-116M	-61.83M	-231M
D&A	-	13.59M	6.41M	7.1M	39K
Net Income	-	-294M	-116M	-63.14M	-229M
Foreign Banking and Branches Of Foreign Banks
Commercial Banking	-	-	-	-	-
Interest Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
EBT	-	-	-	-	-
Net Income	-	-	-	-	-

Geographical Revenue Distribution History

Geographical breakdown of sales (EGP)

Fiscal Period: December	2020	2021	2022	2023	2024
Egypt	5.68B	4.64B	8.91B	11.85B	18.61B
Total Assets	28.17B	80.66B	83.83B	98.58B	132B
GCC	911M	1.23B	1.87B	2.68B	4.47B
Total Assets	10.09B	15.43B	14.68B	15.24B	42.33B
Other	175M	174M	161M	141M	504M
Total Assets	475M	508M	7B	8.09B	12.5B
Lebanon	-	-	-	-	-
Total Assets	1.35M	-	-	-	-