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	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	293.17	616.98	734.68	692.66	616.36	387.23
Investment Securities	808.6	749.06	848.61	797.27	1,378	1,806
Total Investments	808.6	749.06	848.61	797.27	1,378	1,806
Gross Loans	1,570	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	1,570	1,258	1,435	1,583	2,066	1,684
Property, Plant & Equipment	41.43	40.83	37.95	37.12	28.43	29.81
Other Intangible Assets	5.65	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	592.88	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	93.05	20.55	16.77	19.07	14.25	12.97
Total Assets	3,405	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	2,929	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	2,929	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	45.37	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	0.64	0.81	0.45	0.04	-	-
Other Long-Term Liabilities	50.54	17.32	19.77	16.88	10.2	9.79
Total Liabilities	3,026	2,563	3,085	3,147	4,184	3,995
Common Stock	331.03	331.03	331.03	157.5	150	150
Retained Earnings	40.5	59.35	49.68	192.5	167.36	153.99
Comprehensive Income & Other	7.98	-2.46	18.85	-7.59	33.13	46.82
Shareholders' Equity	379.5	387.92	399.56	342.4	350.49	350.81
Total Liabilities & Equity	3,405	2,950	3,485	3,489	4,534	4,346
Total Debt	45.37	47.64	80.9	103.5	85.46	102.9
Net Cash (Debt)	247.81	569.34	653.78	589.17	530.89	284.33
Net Cash Growth	-61.78%	-12.91%	10.97%	10.98%	86.72%	-25.23%
Net Cash Per Share	7.49	17.20	19.75	17.80	16.04	8.59
Filing Date Shares Outstanding	33.03	33.1	33.1	33.1	33.1	33.1
Total Common Shares Outstanding	33.03	33.1	33.1	33.1	33.1	33.1
Book Value Per Share	11.49	11.72	12.07	10.34	10.59	10.60
Tangible Book Value	373.85	381.88	393.4	337.25	344.77	349.12
Tangible Book Value Per Share	11.32	11.54	11.88	10.19	10.42	10.55

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