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

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	157.19	734.68	692.66	616.36	387.23	503.4
Investment Securities	717.2	848.61	797.27	1,378	1,806	1,860
Total Investments	717.2	848.61	797.27	1,378	1,806	1,860
Gross Loans	1,352	1,527	1,689	2,167	1,771	1,575
Allowance for Loan Losses	-	-85.94	-83.33	-83.37	-66.42	-56.36
Other Adjustments to Gross Loans	-	-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	-	23.57	21.6	43.25	54.68	65.59
Other Receivables	739.29	40	70.21	55.45	73.77	148.19
Restricted Cash	-	308.58	243.67	305.82	289.34	364.7
Other Current Assets	-	5.59	2.37	3.92	6.05	1.07
Long-Term Deferred Tax Assets	-	-	-	0.31	0.06	-
Other Real Estate Owned & Foreclosed	-	26.42	17.03	17.03	0.33	0.33
Other Long-Term Assets	68.51	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	-	6.02	6.66	4.72	15.04	13.71
Interest Bearing Deposits	2,568	2,727	2,721	3,744	3,510	3,638
Non-Interest Bearing Deposits	-	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	50	30	50	-
Current Portion of Leases	-	0.15	0.2	0.42	0.43	0.32
Current Income Taxes Payable	-	9.41	4.5	7.53	-	-
Accrued Interest Payable	-	22	20.46	23.95	23.1	28.17
Other Current Liabilities	-	5.03	6.19	11.96	8.73	14.93
Long-Term Debt	59.92	40.6	52.91	54.25	51.59	122.16
Long-Term Leases	-	0.15	0.39	0.8	0.88	0.62
Long-Term Unearned Revenue	-	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	58.65	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	45.04	49.68	192.5	167.36	153.99	148.93
Comprehensive Income & Other	17.28	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	59.92	80.9	103.5	85.46	102.9	123.1
Net Cash (Debt)	97.27	653.78	589.17	530.89	284.33	380.29
Net Cash Growth	-86.91%	10.97%	10.98%	86.72%	-25.23%	48.37%
Net Cash Per Share	-	19.75	17.80	16.04	8.59	11.49
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	-	12.07	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	-	11.88	10.19	10.42	10.55	9.70

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