Société Arabe Internationale de Banque S.A.E (EGX: SAIB)

EGX:SAIB Balance Sheet

Financials in millions USD. 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	900.26	734.68	692.66	616.36	387.23	503.4
Investment Securities	524.63	848.61	797.27	1,378	1,806	1,860
Total Investments	524.63	848.61	797.27	1,378	1,806	1,860
Gross Loans	1,429	1,527	1,689	2,167	1,771	1,575
Allowance for Loan Losses	-71.23	-85.94	-83.33	-83.37	-66.42	-56.36
Other Adjustments to Gross Loans	-5.7	-6.36	-22.97	-17.72	-20.85	-26.36
Net Loans	1,352	1,435	1,583	2,066	1,684	1,492
Property, Plant & Equipment	40.09	37.95	37.12	28.43	29.81	33.77
Other Intangible Assets	5.98	6.16	5.15	5.72	1.69	2.22
Accrued Interest Receivable	26.84	23.57	21.6	43.25	54.68	65.59
Other Receivables	39.84	40	70.21	55.45	73.77	148.19
Restricted Cash	148.94	308.58	243.67	305.82	289.34	364.7
Other Current Assets	8.21	5.59	2.37	3.92	6.05	1.07
Long-Term Deferred Tax Assets	-	-	-	0.31	0.06	-
Other Real Estate Owned & Foreclosed	21.5	26.42	17.03	17.03	0.33	0.33
Other Long-Term Assets	11.97	18.53	19.07	14.25	12.97	9.02
Total Assets	3,080	3,485	3,489	4,534	4,346	4,481
Accrued Expenses	3.26	6.02	6.66	4.72	15.04	13.71
Interest Bearing Deposits	2,390	2,727	2,721	3,744	3,510	3,638
Non-Interest Bearing Deposits	177.52	212.33	266.14	293.32	322.53	331.45
Total Deposits	2,568	2,940	2,987	4,037	3,833	3,969
Current Portion of Long-Term Debt	40	40	50	30	50	-
Current Portion of Leases	0.08	0.15	0.2	0.42	0.43	0.32
Current Income Taxes Payable	6.28	9.41	4.5	7.53	-	-
Accrued Interest Payable	19.59	22	20.46	23.95	23.1	28.17
Other Current Liabilities	23.9	5.03	6.19	11.96	8.73	14.93
Long-Term Debt	19.92	40.6	52.91	54.25	51.59	122.16
Long-Term Leases	0.05	0.15	0.39	0.8	0.88	0.62
Long-Term Unearned Revenue	1.6	1.91	1.79	2.86	2.55	2.83
Long-Term Deferred Tax Liabilities	0.6	0.45	0.04	-	-	0.36
Other Long-Term Liabilities	3.9	19.77	16.88	10.2	9.79	5.5
Total Liabilities	2,687	3,085	3,147	4,184	3,995	4,158
Common Stock	331.03	331.03	157.5	150	150	150
Retained Earnings	51.57	49.68	192.5	167.36	153.99	148.93
Comprehensive Income & Other	10.74	18.85	-7.59	33.13	46.82	24.31
Shareholders' Equity	393.34	399.56	342.4	350.49	350.81	323.24
Total Liabilities & Equity	3,080	3,485	3,489	4,534	4,346	4,481
Total Debt	60.05	80.9	103.5	85.46	102.9	123.1
Net Cash (Debt)	840.21	653.78	589.17	530.89	284.33	380.29
Net Cash Growth	13.09%	10.97%	10.98%	86.72%	-25.23%	48.37%
Net Cash Per Share	25.38	19.75	17.80	16.04	8.59	11.49
Filing Date Shares Outstanding	33.1	33.1	33.1	33.1	33.1	33.1
Total Common Shares Outstanding	33.1	33.1	33.1	33.1	33.1	33.1
Book Value Per Share	11.88	12.07	10.34	10.59	10.60	9.76
Tangible Book Value	387.36	393.4	337.25	344.77	349.12	321.02
Tangible Book Value Per Share	11.70	11.88	10.19	10.42	10.55	9.70

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