Arab Islamic Bank P.L.C. Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	453.76	326.3	327.45	373.1	455.59	372.03
Investment Securities	60.93	50.34	53.6	45.69	37.29	37.61
Total Investments	60.93	50.34	53.6	45.69	37.29	37.61
Gross Loans	1,222	1,166	1,155	1,050	1,026	954.11
Allowance for Loan Losses	-72.23	-56.38	-43.46	-20.11	-12.18	-8.39
Other Adjustments to Gross Loans	-7.74	-6.02	-2.98	-1.28	-1.18	-0.67
Net Loans	1,142	1,104	1,109	1,028	1,012	945.05
Property, Plant & Equipment	21.87	23.86	26.05	27	29.41	31.93
Other Intangible Assets	1.38	1.7	1.55	1.37	1.69	1.45
Investments in Real Estate	24.88	24.88	24.78	22.93	25.96	25.88
Accrued Interest Receivable	1.87	0.33	1.08	1.32	1.4	1.26
Other Receivables	30	34.28	52.55	26.16	38.21	25.07
Restricted Cash	145.81	129.36	130.72	126.92	129.33	111.56
Other Current Assets	2.24	0.74	0.96	1.15	0.91	1.35
Long-Term Deferred Tax Assets	15.29	11.64	9.57	5.01	4.25	3.65
Other Real Estate Owned & Foreclosed	0.91	0.91	0.9	1.46	-	-
Other Long-Term Assets	0.37	0.25	0.43	0.28	0.26	0.22
Total Assets	1,902	1,708	1,738	1,661	1,737	1,557
Accounts Payable	4.4	2.94	2.44	2.55	2.51	1.43
Accrued Expenses	0.84	0.73	1.04	0.86	1.07	0.89
Interest Bearing Deposits	139.08	96.9	85.75	81.18	139.78	92.2
Non-Interest Bearing Deposits	509.39	443.41	485.91	399.57	385.4	331.13
Total Deposits	648.47	540.31	571.66	480.75	525.18	423.33
Current Portion of Leases	1.19	1.18	1.66	1.21	1.06	0.88
Current Income Taxes Payable	4.56	0.25	8.29	6.95	8.09	3.21
Other Current Liabilities	124.58	105.7	108.09	97.44	93.98	84.47
Long-Term Leases	3.24	4.14	4	5.22	6.18	7.37
Long-Term Unearned Revenue	5.27	3.18	2.65	2.16	2.77	2.43
Pension & Post-Retirement Benefits	12.77	11.92	10.43	9.66	7.59	6.71
Long-Term Deferred Tax Liabilities	2.83	2.83	2.69	2.59	2.85	2.65
Other Long-Term Liabilities	944.62	892.34	884.42	912.06	954.45	903.44
Total Liabilities	1,753	1,566	1,597	1,521	1,606	1,437
Common Stock	101.12	101.12	101.12	96.22	91.72	88.47
Retained Earnings	40.59	35.02	33.89	37.27	32.7	26.76
Comprehensive Income & Other	7.24	6.76	5.99	5.79	6.56	5.01
Shareholders' Equity	148.96	142.89	141	139.28	130.98	120.24
Total Liabilities & Equity	1,902	1,708	1,738	1,661	1,737	1,557
Total Debt	4.43	5.31	5.66	6.43	7.24	8.25
Net Cash (Debt)	449.33	320.99	321.79	366.68	448.35	363.78
Net Cash Growth	80.57%	-0.25%	-12.24%	-18.22%	23.25%	25.54%
Net Cash Per Share	4.44	3.17	3.18	3.63	4.43	3.60
Filing Date Shares Outstanding	101.12	101.12	101.12	101.12	101.12	101.12
Total Common Shares Outstanding	101.12	101.12	101.12	101.12	101.12	101.12
Book Value Per Share	1.47	1.41	1.39	1.38	1.30	1.19
Tangible Book Value	147.58	141.19	139.46	137.92	129.29	118.8
Tangible Book Value Per Share	1.46	1.40	1.38	1.36	1.28	1.17

Source: S&P Global Market Intelligence. Banks template. Financial Sources.