EGX:SAIB Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	545.2	616.98	734.68	692.66	616.36
Investment Securities	1,001	749.06	848.61	797.27	1,378
Total Investments	1,001	749.06	848.61	797.27	1,378
Gross Loans	1,698	1,341	1,527	1,689	2,167
Allowance for Loan Losses	-96.9	-76.74	-85.94	-83.33	-83.37
Other Adjustments to Gross Loans	-8.12	-6.41	-6.36	-22.97	-17.72
Net Loans	1,593	1,258	1,435	1,583	2,066
Property, Plant & Equipment	40.33	40.83	37.95	37.12	28.43
Other Intangible Assets	7.98	6.04	6.16	5.15	5.72
Accrued Interest Receivable	30.45	27.98	25.34	21.6	43.25
Other Receivables	25.17	30	40	70.21	55.45
Restricted Cash	271.93	171.29	308.58	243.67	305.82
Other Current Assets	5.18	4.39	5.59	2.37	3.92
Long-Term Deferred Tax Assets	-	-	-	-	0.31
Other Real Estate Owned & Foreclosed	37.33	25.44	26.42	17.03	17.03
Other Long-Term Assets	50.62	20.55	16.77	19.07	14.25
Total Assets	3,608	2,950	3,485	3,489	4,534
Accrued Expenses	2.87	3.67	6.02	6.66	4.72
Interest Bearing Deposits	2,908	2,308	2,727	2,721	3,744
Non-Interest Bearing Deposits	218.5	158.37	212.33	266.14	293.32
Total Deposits	3,126	2,466	2,940	2,987	4,037
Current Portion of Long-Term Debt	20	30	40	50	30
Current Portion of Leases	0.29	0.05	0.15	0.2	0.42
Current Income Taxes Payable	9.23	8.54	9.41	4.5	7.53
Accrued Interest Payable	13.6	14.92	22	20.46	23.95
Other Current Liabilities	2.81	1.66	5.03	6.19	11.96
Long-Term Debt	13.46	17.54	40.6	52.91	54.25
Long-Term Leases	0.89	0.05	0.15	0.39	0.8
Long-Term Unearned Revenue	1.71	1.56	1.91	1.79	2.86
Long-Term Deferred Tax Liabilities	0.47	0.81	0.45	0.04	-
Other Long-Term Liabilities	11.34	17.32	19.77	16.88	10.2
Total Liabilities	3,203	2,563	3,085	3,147	4,184
Common Stock	331.03	331.03	331.03	157.5	150
Retained Earnings	63.71	59.35	49.68	192.5	167.36
Comprehensive Income & Other	9.77	-2.46	18.85	-7.59	33.13
Shareholders' Equity	404.51	387.92	399.56	342.4	350.49
Total Liabilities & Equity	3,608	2,950	3,485	3,489	4,534
Total Debt	34.63	47.64	80.9	103.5	85.46
Net Cash (Debt)	510.57	569.34	653.78	589.17	530.89
Net Cash Growth	-10.32%	-12.91%	10.97%	10.98%	86.72%
Net Cash Per Share	15.42	17.20	19.75	17.80	16.04
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	12.22	11.72	12.07	10.34	10.59
Tangible Book Value	396.53	381.88	393.4	337.25	344.77
Tangible Book Value Per Share	11.98	11.54	11.88	10.19	10.42

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.