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	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	616.98	734.68	692.66	616.36	387.23
Investment Securities	749.06	848.61	797.27	1,378	1,806
Total Investments	749.06	848.61	797.27	1,378	1,806
Gross Loans	1,341	1,527	1,689	2,167	1,771
Allowance for Loan Losses	-76.74	-85.94	-83.33	-83.37	-66.42
Other Adjustments to Gross Loans	-6.41	-6.36	-22.97	-17.72	-20.85
Net Loans	1,258	1,435	1,583	2,066	1,684
Property, Plant & Equipment	40.83	37.95	37.12	28.43	29.81
Other Intangible Assets	6.04	6.16	5.15	5.72	1.69
Accrued Interest Receivable	27.98	25.34	21.6	43.25	54.68
Other Receivables	30	40	70.21	55.45	73.77
Restricted Cash	171.29	308.58	243.67	305.82	289.34
Other Current Assets	4.39	5.59	2.37	3.92	6.05
Long-Term Deferred Tax Assets	-	-	-	0.31	0.06
Other Real Estate Owned & Foreclosed	25.44	26.42	17.03	17.03	0.33
Other Long-Term Assets	20.55	16.77	19.07	14.25	12.97
Total Assets	2,950	3,485	3,489	4,534	4,346
Accrued Expenses	3.67	6.02	6.66	4.72	15.04
Interest Bearing Deposits	2,308	2,727	2,721	3,744	3,510
Non-Interest Bearing Deposits	158.37	212.33	266.14	293.32	322.53
Total Deposits	2,466	2,940	2,987	4,037	3,833
Current Portion of Long-Term Debt	30	40	50	30	50
Current Portion of Leases	0.05	0.15	0.2	0.42	0.43
Current Income Taxes Payable	8.54	9.41	4.5	7.53	-
Accrued Interest Payable	14.92	22	20.46	23.95	23.1
Other Current Liabilities	1.66	5.03	6.19	11.96	8.73
Long-Term Debt	17.54	40.6	52.91	54.25	51.59
Long-Term Leases	0.05	0.15	0.39	0.8	0.88
Long-Term Unearned Revenue	1.56	1.91	1.79	2.86	2.55
Long-Term Deferred Tax Liabilities	0.81	0.45	0.04	-	-
Other Long-Term Liabilities	17.32	19.77	16.88	10.2	9.79
Total Liabilities	2,563	3,085	3,147	4,184	3,995
Common Stock	331.03	331.03	157.5	150	150
Retained Earnings	59.35	49.68	192.5	167.36	153.99
Comprehensive Income & Other	-2.46	18.85	-7.59	33.13	46.82
Shareholders' Equity	387.92	399.56	342.4	350.49	350.81
Total Liabilities & Equity	2,950	3,485	3,489	4,534	4,346
Total Debt	47.64	80.9	103.5	85.46	102.9
Net Cash (Debt)	569.34	653.78	589.17	530.89	284.33
Net Cash Growth	-12.91%	10.97%	10.98%	86.72%	-25.23%
Net Cash Per Share	17.20	19.75	17.80	16.04	8.59
Filing Date Shares Outstanding	33.1	33.1	33.1	33.1	33.1
Total Common Shares Outstanding	33.1	33.1	33.1	33.1	33.1
Book Value Per Share	11.72	12.07	10.34	10.59	10.60
Tangible Book Value	381.88	393.4	337.25	344.77	349.12
Tangible Book Value Per Share	11.54	11.88	10.19	10.42	10.55

Updated Feb 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.