Emirates Investment Bank P.J.S.C. (DFM: EIBANK)

DFM: EIBANK Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	1,074	648.83	819.65	521.43	802.46	382.66
Investment Securities	2,794	2,294	1,539	923.38	1,002	584.79
Trading Asset Securities	-	-	-	-	-	0.48
Total Investments	2,794	2,294	1,539	923.38	1,002	585.27
Gross Loans	967.89	493.7	1,019	941.61	446.81	902.5
Allowance for Loan Losses	-9.48	-8.66	-23.44	-23.97	-26.54	-10.19
Other Adjustments to Gross Loans	-0.4	-0.09	-4.62	-3.17	-1.81	-2.73
Net Loans	958.01	484.95	991	914.47	418.46	889.59
Property, Plant & Equipment	2.78	12.33	15.16	19.06	6.15	11.81
Other Intangible Assets	0.57	0.84	1.25	1.03	0.3	0.51
Accrued Interest Receivable	-	23.22	16.64	13.5	10.03	10.78
Other Receivables	14.27	10.61	101.78	13.03	6.86	33.42
Restricted Cash	215.74	1,066	401.85	26.1	33.92	341.05
Other Long-Term Assets	44.01	-	-	438	203.39	865.35
Total Assets	5,103	4,540	3,886	2,870	2,483	3,120
Accrued Expenses	7.74	0.77	0.33	0.51	0.83	2.8
Interest Bearing Deposits	3,665	1,947	1,979	1,421	1,426	2,049
Non-Interest Bearing Deposits	-	1,248	1,400	704.76	565.15	-
Total Deposits	3,665	3,196	3,379	2,126	1,991	2,049
Short-Term Borrowings	-	-	-	204.1	13.74	542.19
Current Portion of Leases	-	3.52	3.49	3.45	2.29	4.19
Accrued Interest Payable	-	18.42	45.16	25.17	6.89	9.67
Long-Term Leases	-	5.36	8.89	12.37	-	2.17
Pension & Post-Retirement Benefits	-	7.35	6.45	5.57	5.99	8.17
Other Long-Term Liabilities	81.91	94.94	15.52	12.09	7.65	9.07
Total Liabilities	3,755	3,326	3,459	2,389	2,028	2,627
Common Stock	1,000	1,000	70	70	70	70
Retained Earnings	287.59	203.24	376.97	400.64	370.02	399.34
Comprehensive Income & Other	60.88	11.09	-20.28	10.24	14.88	23.64
Total Common Equity	1,348	1,214	426.69	480.88	454.9	492.98
Minority Interest	-	-	0.23	0.23	0.23	0.23
Shareholders' Equity	1,348	1,214	426.91	481.11	455.13	493.21
Total Liabilities & Equity	5,103	4,540	3,886	2,870	2,483	3,120
Total Debt	-	8.89	12.37	219.91	16.03	548.55
Net Cash (Debt)	1,074	639.94	807.28	301.52	786.43	-165.41
Net Cash Growth	-36.94%	-20.73%	167.74%	-61.66%	-	-
Net Cash Per Share	107.36	86.99	220.84	86.15	224.69	-47.26
Filing Date Shares Outstanding	10	10	3.5	3.5	3.5	3.5
Total Common Shares Outstanding	10	10	3.5	3.5	3.5	3.5
Book Value Per Share	134.85	121.43	121.91	137.39	129.97	140.85
Tangible Book Value	1,348	1,213	425.44	479.85	454.6	492.47
Tangible Book Value Per Share	134.79	121.35	121.55	137.10	129.89	140.71

Source: S&P Capital IQ. Banks template. Financial Sources.