Emirates NBD Bank PJSC (DFM: EMIRATESNBD)

Emirates NBD Bank PJSC 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	55,072	51,798	53,083	44,471	38,612	47,903
Investment Securities	185,593	163,317	120,550	106,665	100,501	84,790
Trading Asset Securities	22,993	25,213	23,463	13,151	19,593	11,136
Total Investments	208,586	188,530	144,013	119,816	120,094	95,925
Gross Loans	529,714	484,078	458,692	461,273	480,248	468,431
Allowance for Loan Losses	-30,940	-35,780	-39,405	-37,185	-34,985	-29,226
Other Adjustments to Gross Loans	-4,931	-3,193	-2,683	-1,815	-1,721	-1,774
Net Loans	493,843	445,105	416,604	422,272	443,541	437,430
Property, Plant & Equipment	7,790	5,264	4,106	3,748	4,080	4,317
Goodwill	-	5,527	5,535	5,557	5,557	5,555
Other Intangible Assets	5,632	156	244	424.72	756.36	1,052
Investments in Real Estate	360	359	454	440.35	584.72	613.22
Accrued Interest Receivable	9,191	6,358	4,246	3,108	4,784	4,649
Other Receivables	70,610	67,857	44,673	25,577	23,962	20,664
Restricted Cash	86,491	72,320	51,570	45,176	42,943	49,977
Other Current Assets	14,799	14,907	13,585	13,711	11,014	12,550
Long-Term Deferred Tax Assets	381	493	1,052	929.14	882.85	626.61
Other Long-Term Assets	3,286	4,099	2,797	2,208	1,276	2,058
Total Assets	956,041	862,773	741,962	687,437	698,087	683,321
Accounts Payable	11,655	8,014	5,809	4,369	4,172	4,038
Accrued Expenses	1,765	1,805	1,573	1,405	1,327	1,305
Interest Bearing Deposits	644,812	366,066	297,974	277,975	319,516	352,719
Non-Interest Bearing Deposits	-	248,820	237,216	218,587	189,210	158,426
Total Deposits	644,812	614,886	535,190	496,562	508,726	511,145
Short-Term Borrowings	13,412	17,389	20,206	9,186	10,775	5,565
Current Portion of Long-Term Debt	5,936	19,278	8,601	12,640	17,071	14,121
Current Income Taxes Payable	2,287	489	866	226.94	311.96	235.31
Accrued Interest Payable	9,932	6,647	2,983	1,893	3,041	3,572
Other Current Liabilities	11,377	22,786	19,828	12,853	10,320	11,456
Long-Term Debt	114,665	61,507	53,601	58,097	50,246	41,627
Other Long-Term Liabilities	16,811	-	-	6,625	7,480	8,649
Total Liabilities	832,652	752,801	648,657	603,857	613,469	601,714
Common Stock	6,317	6,317	6,317	6,317	6,317	6,317
Additional Paid-In Capital	17,954	17,954	17,954	17,954	17,954	17,954
Retained Earnings	93,449	83,162	66,135	56,878	50,805	47,165
Treasury Stock	-46	-46	-46	-46.18	-46.18	-46.18
Comprehensive Income & Other	5,495	2,412	2,839	2,417	9,563	10,207
Total Common Equity	123,169	109,799	93,199	83,520	84,592	81,597
Minority Interest	220	173	106	59.63	26.24	10.15
Shareholders' Equity	123,389	109,972	93,305	83,580	84,618	81,607
Total Liabilities & Equity	956,041	862,773	741,962	687,437	698,087	683,321
Total Debt	134,013	98,174	82,408	79,923	78,092	61,314
Net Cash (Debt)	-47,933	-21,163	-4,862	-19,301	13,613	31,325
Net Cash Growth	-	-	-	-	-56.54%	17.40%
Net Cash Per Share	-7.60	-3.35	-0.77	-3.06	2.16	5.57
Filing Date Shares Outstanding	6,317	6,317	6,317	6,317	6,317	6,317
Total Common Shares Outstanding	6,317	6,317	6,317	6,317	6,317	6,317
Book Value Per Share	19.50	17.38	14.75	13.22	13.39	12.92
Tangible Book Value	117,537	104,116	87,420	77,539	78,279	74,989
Tangible Book Value Per Share	18.61	16.48	13.84	12.28	12.39	11.87

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