Housing and Development Bank- Egypt (S.A.E) (EGX: HDBK)

HDBK Balance Sheet

Financials in millions EGP. 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	18,323	15,271	17,648	11,675	4,427	3,233
Investment Securities	58,888	49,429	35,017	30,252	26,520	24,233
Trading Asset Securities	262.34	210.57	514.46	488.52	438.52	416.25
Total Investments	59,150	49,639	35,532	30,741	26,958	24,650
Gross Loans	-	44,874	37,598	27,852	21,869	20,339
Allowance for Loan Losses	-	-3,561	-2,938	-2,247	-2,070	-2,251
Other Adjustments to Gross Loans	-	-10.16	-10.16	-16.79	-18.2	-18.2
Net Loans	-	41,303	34,650	25,588	19,781	18,069
Property, Plant & Equipment	1,263	1,180	1,172	1,131	1,107	1,032
Other Intangible Assets	351.08	151.44	69.51	92.49	104.37	114.13
Investments in Real Estate	104.98	111.99	115.36	98.68	106.62	111.2
Accrued Interest Receivable	-	1,256	1,275	854.34	623.13	466.43
Other Receivables	25,515	2,371	2,002	-	-	-
Restricted Cash	-	14,354	11,725	5,855	5,017	3,559
Other Current Assets	4,618	3,374	2,304	2,505	2,463	2,290
Long-Term Deferred Tax Assets	172.5	225.07	127.02	88.47	62.98	-
Other Real Estate Owned & Foreclosed	-	62.88	63.25	67.87	65.68	69.57
Other Long-Term Assets	7,017	1,444	1,190	1,072	671.88	625.12
Total Assets	164,982	130,744	107,874	79,768	61,388	54,219
Accounts Payable	-	-	-	51.1	50.92	38.95
Accrued Expenses	-	407.15	260.44	87.71	72.59	134.63
Interest Bearing Deposits	126,027	55,167	67,704	29,703	24,114	22,751
Non-Interest Bearing Deposits	-	48,155	21,655	33,849	23,654	19,112
Total Deposits	126,027	103,322	89,358	63,553	47,769	41,863
Short-Term Borrowings	-	-	-	1.75	-	-
Current Portion of Long-Term Debt	-	76.36	83.87	92.91	105.78	111.5
Current Income Taxes Payable	1,846	1,384	450.92	207.17	222.67	46.27
Accrued Interest Payable	-	554.4	447.52	309	223.72	232.71
Other Current Liabilities	177.81	203.27	355.43	564.53	274.29	479.58
Long-Term Debt	1,269	1,248	1,346	973.06	782.79	720.33
Long-Term Unearned Revenue	-	1,089	381.64	541.82	548.9	890.42
Pension & Post-Retirement Benefits	108.55	88.73	57.84	55.32	47.07	39.68
Long-Term Deferred Tax Liabilities	-	-	-	-	-	0.67
Other Long-Term Liabilities	10,536	4,319	2,494	2,261	2,169	2,129
Total Liabilities	139,965	112,692	95,236	68,698	52,266	46,687
Common Stock	5,313	5,313	5,313	1,518	1,265	1,265
Retained Earnings	11,805	12,854	7,236	8,751	7,162	5,686
Comprehensive Income & Other	7,736	-260.26	-39.18	696.59	593.18	486.09
Total Common Equity	24,854	17,907	12,510	10,966	9,020	7,437
Minority Interest	163.11	145.45	128.17	104.39	101.2	95.01
Shareholders' Equity	25,017	18,052	12,638	11,070	9,121	7,532
Total Liabilities & Equity	164,982	130,744	107,874	79,768	61,388	54,219
Total Debt	1,269	1,325	1,430	1,068	888.57	831.83
Net Cash (Debt)	17,316	14,157	19,133	14,501	4,154	8,689
Net Cash Growth	-35.78%	-26.01%	31.95%	249.10%	-52.20%	-6.47%
Net Cash Per Share	32.60	26.65	36.01	27.29	7.82	16.35
Filing Date Shares Outstanding	531	531.3	531.3	531.3	531.3	531.3
Total Common Shares Outstanding	531	531.3	531.3	531.3	531.3	531.3
Book Value Per Share	46.81	33.70	23.55	20.64	16.98	14.00
Tangible Book Value	24,503	17,755	12,440	10,873	8,916	7,323
Tangible Book Value Per Share	46.15	33.42	23.41	20.47	16.78	13.78

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