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

EGX:SAIB Cash Flow Statement

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
Net Income	34.32	31.16	30.15	19.93	20.44
Depreciation & Amortization	7.51	6.82	6.52	5.95	6.77
Other Amortization	1.36	1.29	1.19	1.05	1.01
Gain (Loss) on Sale of Assets	0.08	-0.28	-0.36	-	-0.19
Gain (Loss) on Sale of Investments	-2.79	-3.02	-2.04	-8.04	-5.06
Total Asset Writedown	2.39	-	-	-	-
Provision for Credit Losses	22.55	25.02	27.46	19.99	9.33
Change in Income Taxes	-	-	-	-	-33.67
Change in Other Net Operating Assets	330.28	198.89	544.32	-234.9	-250.73
Other Operating Activities	55.8	51.75	166.03	-7.84	8.78
Operating Cash Flow	452.89	311.92	775.75	-206.6	-243.29
Operating Cash Flow Growth	45.19%	-59.79%	-	-	-
Capital Expenditures	-8.02	-6.82	-13.47	-6.67	-5.22
Sale of Property, Plant and Equipment	0.03	0.3	0.46	-	0.19
Investment in Securities	-60.3	-45.92	308.52	299.32	254.56
Income (Loss) Equity Investments	1.39	0.3	2.49	-2.75	0.03
Purchase / Sale of Intangibles	-1.25	-2.3	-0.62	-2.12	-0.27
Other Investing Activities	0.46	0.83	0.57	0.34	0.86
Investing Cash Flow	-69.08	-53.91	295.46	290.87	250.12
Long-Term Debt Issued	0.21	16	41	9.45	1.24
Long-Term Debt Repaid	-30.71	-36.34	-15.97	-26.85	-22.45
Net Debt Issued (Repaid)	-30.5	-20.34	25.03	-17.4	-21.2
Common Dividends Paid	-24.38	-7	-4.68	-4.68	-3.89
Net Increase (Decrease) in Deposit Accounts	-446.61	-188.69	-1,015	166.71	-97.94
Financing Cash Flow	-501.49	-216.03	-994.82	144.63	-123.03
Net Cash Flow	-117.69	41.99	76.39	228.9	-116.21
Free Cash Flow	444.86	305.11	762.29	-213.27	-248.52
Free Cash Flow Growth	45.80%	-59.98%	-	-	-
Free Cash Flow Margin	301.09%	211.19%	504.74%	-146.90%	-173.05%
Free Cash Flow Per Share	13.44	9.22	23.03	-6.44	-7.51
Cash Income Tax Paid	11.05	16.3	18.99	32.73	-

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