SBAC Bank PLC. Balance Sheet

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	8,788	5,156	4,473	4,592	8,496	10,474
Investment Securities	17,965	20,085	18,496	15,142	13,531	7,439
Trading Asset Securities	5,161	2,404	11.65	1,985	4,007	5,537
Total Investments	23,127	22,489	18,508	17,127	17,538	12,977
Gross Loans	97,425	93,720	90,109	80,571	68,353	58,985
Allowance for Loan Losses	-5,427	-4,872	-3,464	-2,744	-2,397	-1,576
Net Loans	91,998	88,848	86,644	77,827	65,956	57,409
Property, Plant & Equipment	1,437	1,410	1,494	1,743	1,627	1,524
Accrued Interest Receivable	-	-	-	-	-	689.72
Restricted Cash	-	4,248	3,726	3,604	2,967	3,329
Other Current Assets	-	-	-	-	-	1,787
Other Long-Term Assets	3,584	2,448	2,419	1,414	1,230	213.09
Total Assets	128,933	124,600	117,264	106,307	97,814	88,403
Accrued Expenses	145.22	71.91	49.62	36.45	57.43	-
Interest Bearing Deposits	82,964	80,576	77,234	71,865	63,069	63,783
Non-Interest Bearing Deposits	5,742	6,187	4,714	3,504	3,034	5,613
Total Deposits	88,706	86,763	81,948	75,370	66,104	69,396
Short-Term Borrowings	-	-	-	-	3,890	-
Current Portion of Long-Term Debt	2,560	2,840	2,856	3,529	4,675	2,225
Current Income Taxes Payable	2,516	2,186	2,082	1,148	816.76	-
Accrued Interest Payable	1,821	942.71	761.19	696.44	616.13	-
Other Current Liabilities	7,907	8,667	10,412	7,949	5,808	2,055
Long-Term Debt	364.63	404.49	406.83	502.65	198.97	166.67
Long-Term Leases	1,158	1,100	1,107	1,225	1,168	-
Long-Term Unearned Revenue	19.35	16.07	10.58	5.56	2.74	-
Other Long-Term Liabilities	12,500	10,520	6,505	5,016	3,849	5,254
Total Liabilities	117,697	113,511	106,139	95,477	87,185	79,097
Common Stock	8,242	8,242	8,242	8,160	7,846	6,846
Retained Earnings	2,915	2,793	2,848	2,596	2,652	2,441
Comprehensive Income & Other	78.93	53.87	34.76	73.16	129.52	19.34
Total Common Equity	11,235	11,089	11,125	10,829	10,628	9,307
Minority Interest	0.45	0.45	0.44	0.43	0.41	-
Shareholders' Equity	11,236	11,089	11,125	10,830	10,628	9,307
Total Liabilities & Equity	128,933	124,600	117,264	106,307	97,814	88,403
Total Debt	4,082	4,344	4,370	5,257	9,931	2,391
Net Cash (Debt)	9,867	3,217	114.41	1,320	2,572	13,620
Net Cash Growth	66.50%	2711.47%	-91.33%	-48.68%	-81.12%	4.89%
Net Cash Per Share	11.97	3.90	0.14	1.60	3.50	18.94
Filing Date Shares Outstanding	824.19	824.19	824.19	824.19	824.19	719.15
Total Common Shares Outstanding	824.19	824.19	824.19	824.19	824.19	719.15
Book Value Per Share	13.63	13.45	13.50	13.14	12.90	12.94
Tangible Book Value	11,235	11,089	11,125	10,829	10,628	9,307
Tangible Book Value Per Share	13.63	13.45	13.50	13.14	12.90	12.94

Source: S&P Global Market Intelligence. Banks template. Financial Sources.