Bank of Sharjah

BOSStocksAbu Dhabi Securities ExchangeBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	3.65B	5.17B	4.86B	3.97B	2.99B
Total Assets	48.37B	43.58B	39.46B	37.40B	33.56B
Investment Securities	8.35B	6.96B	5.48B	1.35B	3.73B
Trading Assets	336.87M	423.18M	134.71M	160.76M	182.03M
Gross Loans	32.29B	26.09B	23.80B	23.40B	23.32B
Net Loans	30.44B	24.30B	22.07B	21.62B	21.31B
Allowance for Loan Losses	-1.85B	-1.79B	-1.73B	-1.78B	-2.01B
Liabilities
Total Deposits	35.16B	32.53B	28.26B	25.94B	24.00B
Interest-Bearing Deposits	28.08B	26.20B	23.67B	21.99B	20.74B
Non-Interest-Bearing Deposits	7.08B	6.33B	4.59B	3.96B	3.25B
Total Debt	7.47B	6.04B	5.77B	8.13B	6.19B
Total Liabilities	43.74B	39.76B	35.95B	35.91B	32.15B
Equity & Ownership
Total Equity	4.63B	3.83B	3.51B	1.49B	1.41B
Shares Outstanding	3,000,000,000	3,000,000,000	3,000,000,000	2,200,000,000	2,200,000,000
Cash & Assets
Total Assets	48.37B	43.58B	39.46B	37.40B	33.56B
Cash & Equivalents	3.65B	5.17B	4.86B	3.97B	2.99B
Net Cash (Debt)	-3.48B	-0.45B	-0.78B	-4.00B	-3.02B
Net Cash Per Share	-1.16	-0.15	-0.30	-1.82	-1.37
Restricted Cash	513.67M	70.02M	320.66M	94.55M	302.43M
Property, Plant & Equipment	157.19M	190.93M	209.61M	278.07M	280.17M
Other Intangible Assets	—	—	—	22.06M	22.08M
Investments in Real Estate	1.25B	1.16B	1.10B	1.16B	1.09B
Other Current Assets	1.06B	1.18B	1.84B	1.06B	1.17B
Other Long-Term Assets	2.35B	2.97B	2.30B	6.41B	1.03B
Long-Term Leases	33.09M	55.11M	66.46M	68.21M	79.76M
Loans & Investments
Gross Loans	32.29B	26.09B	23.80B	23.40B	23.32B
Net Loans	30.44B	24.30B	22.07B	21.62B	21.31B
Allowance for Loan Losses	-1.85B	-1.79B	-1.73B	-1.78B	-2.01B
Investment Securities	8.35B	6.96B	5.48B	1.35B	3.73B
Trading Asset Securities	336.87M	423.18M	134.71M	160.76M	182.03M
Total Investments	8.68B	7.38B	5.62B	1.51B	3.91B
Liabilities & Obligations
Total Liabilities	43.74B	39.76B	35.95B	35.91B	32.15B
Total Liabilities & Equity	48.37B	43.58B	39.46B	37.40B	33.56B
Accrued Expenses	2.53M	3.76M	12.61M	4.52M	3.25M
Accrued Interest Payable	572.54M	561.94M	576.17M	199.41M	244.65M
Accrued Interest Receivable	150.53M	98.79M	67.60M	56.73M	16.85M
Current Income Taxes Payable	71.88M	31.67M	—	—	—
Long-Term Unearned Revenue	128.06M	53.03M	143.42M	205.43M	216.84M
Other Current Liabilities	0.23B	0.43B	1.04B	1.12B	1.25B
Other Long-Term Liabilities	53.04M	56.22M	83.67M	233.66M	193.97M
Pension & Post-Retirement Benefits	50.88M	50.17M	62.24M	53.16M	43.87M
Long-Term Deferred Tax Liabilities	—	—	—	14.09M	10.69M
Debt & Funding
Total Debt	7.47B	6.04B	5.77B	8.13B	6.19B
Current Portion of Long-Term Debt	—	—	2.20B	0.86B	2.75B
Long-Term Debt	5.44B	3.56B	1.80B	2.20B	2.61B
Short-Term Borrowings	1.99B	2.42B	1.70B	5.00B	0.76B
Total Deposits	35.16B	32.53B	28.26B	25.94B	24.00B
Interest Bearing Deposits	28.08B	26.20B	23.67B	21.99B	20.74B
Non-Interest Bearing Deposits	7.08B	6.33B	4.59B	3.96B	3.25B
Equity & Book Value
Shareholders' Equity	4.63B	3.83B	3.51B	1.49B	1.41B
Total Common Equity	4.63B	3.83B	3.50B	1.49B	1.40B
Common Stock	3.00B	3.00B	3.00B	2.20B	2.20B
Retained Earnings	2.75B	2.02B	1.65B	1.91B	1.97B
Comprehensive Income & Other	-1.12B	-1.20B	-1.14B	-2.62B	-2.76B
Minority Interest	0.92M	1.54M	1.32M	3.05M	7.34M
Book Value Per Share	1.54	1.28	1.17	0.68	0.64
Tangible Book Value	4.63B	3.83B	3.50B	1.47B	1.38B
Tangible Book Value Per Share	1.54	1.28	1.17	0.67	0.63
Filing Date Shares Outstanding	3.00B	3.00B	3.00B	2.20B	2.20B
Total Common Shares Outstanding	3.00B	3.00B	3.00B	2.20B	2.20B
Supplemental
Other Real Estate Owned & Foreclosed	0.12B	1.07B	1.08B	1.23B	1.45B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	3.65B	5.17B	4.86B	3.97B	2.99B
Total Assets	48.37B	43.58B	39.46B	37.40B	33.56B
Investment Securities	8.35B	6.96B	5.48B	1.35B	3.73B
Trading Assets	336.87M	423.18M	134.71M	160.76M	182.03M
Gross Loans	32.29B	26.09B	23.80B	23.40B	23.32B
Net Loans	30.44B	24.30B	22.07B	21.62B	21.31B
Allowance for Loan Losses	-1.85B	-1.79B	-1.73B	-1.78B	-2.01B
Liabilities
Total Deposits	35.16B	32.53B	28.26B	25.94B	24.00B
Interest-Bearing Deposits	28.08B	26.20B	23.67B	21.99B	20.74B
Non-Interest-Bearing Deposits	7.08B	6.33B	4.59B	3.96B	3.25B
Total Debt	7.47B	6.04B	5.77B	8.13B	6.19B
Total Liabilities	43.74B	39.76B	35.95B	35.91B	32.15B
Equity & Ownership
Total Equity	4.63B	3.83B	3.51B	1.49B	1.41B
Shares Outstanding	3,000,000,000	3,000,000,000	3,000,000,000	2,200,000,000	2,200,000,000
Cash & Assets
Total Assets	48.37B	43.58B	39.46B	37.40B	33.56B
Cash & Equivalents	3.65B	5.17B	4.86B	3.97B	2.99B
Net Cash (Debt)	-3.48B	-0.45B	-0.78B	-4.00B	-3.02B
Net Cash Per Share	-1.16	-0.15	-0.30	-1.82	-1.37
Restricted Cash	513.67M	70.02M	320.66M	94.55M	302.43M
Property, Plant & Equipment	157.19M	190.93M	209.61M	278.07M	280.17M
Other Intangible Assets	—	—	—	22.06M	22.08M
Investments in Real Estate	1.25B	1.16B	1.10B	1.16B	1.09B
Other Current Assets	1.06B	1.18B	1.84B	1.06B	1.17B
Other Long-Term Assets	2.35B	2.97B	2.30B	6.41B	1.03B
Long-Term Leases	33.09M	55.11M	66.46M	68.21M	79.76M
Loans & Investments
Gross Loans	32.29B	26.09B	23.80B	23.40B	23.32B
Net Loans	30.44B	24.30B	22.07B	21.62B	21.31B
Allowance for Loan Losses	-1.85B	-1.79B	-1.73B	-1.78B	-2.01B
Investment Securities	8.35B	6.96B	5.48B	1.35B	3.73B
Trading Asset Securities	336.87M	423.18M	134.71M	160.76M	182.03M
Total Investments	8.68B	7.38B	5.62B	1.51B	3.91B
Liabilities & Obligations
Total Liabilities	43.74B	39.76B	35.95B	35.91B	32.15B
Total Liabilities & Equity	48.37B	43.58B	39.46B	37.40B	33.56B
Accrued Expenses	2.53M	3.76M	12.61M	4.52M	3.25M
Accrued Interest Payable	572.54M	561.94M	576.17M	199.41M	244.65M
Accrued Interest Receivable	150.53M	98.79M	67.60M	56.73M	16.85M
Current Income Taxes Payable	71.88M	31.67M	—	—	—
Long-Term Unearned Revenue	128.06M	53.03M	143.42M	205.43M	216.84M
Other Current Liabilities	0.23B	0.43B	1.04B	1.12B	1.25B
Other Long-Term Liabilities	53.04M	56.22M	83.67M	233.66M	193.97M
Pension & Post-Retirement Benefits	50.88M	50.17M	62.24M	53.16M	43.87M
Long-Term Deferred Tax Liabilities	—	—	—	14.09M	10.69M
Debt & Funding
Total Debt	7.47B	6.04B	5.77B	8.13B	6.19B
Current Portion of Long-Term Debt	—	—	2.20B	0.86B	2.75B
Long-Term Debt	5.44B	3.56B	1.80B	2.20B	2.61B
Short-Term Borrowings	1.99B	2.42B	1.70B	5.00B	0.76B
Total Deposits	35.16B	32.53B	28.26B	25.94B	24.00B
Interest Bearing Deposits	28.08B	26.20B	23.67B	21.99B	20.74B
Non-Interest Bearing Deposits	7.08B	6.33B	4.59B	3.96B	3.25B
Equity & Book Value
Shareholders' Equity	4.63B	3.83B	3.51B	1.49B	1.41B
Total Common Equity	4.63B	3.83B	3.50B	1.49B	1.40B
Common Stock	3.00B	3.00B	3.00B	2.20B	2.20B
Retained Earnings	2.75B	2.02B	1.65B	1.91B	1.97B
Comprehensive Income & Other	-1.12B	-1.20B	-1.14B	-2.62B	-2.76B
Minority Interest	0.92M	1.54M	1.32M	3.05M	7.34M
Book Value Per Share	1.54	1.28	1.17	0.68	0.64
Tangible Book Value	4.63B	3.83B	3.50B	1.47B	1.38B
Tangible Book Value Per Share	1.54	1.28	1.17	0.67	0.63
Filing Date Shares Outstanding	3.00B	3.00B	3.00B	2.20B	2.20B
Total Common Shares Outstanding	3.00B	3.00B	3.00B	2.20B	2.20B
Supplemental
Other Real Estate Owned & Foreclosed	0.12B	1.07B	1.08B	1.23B	1.45B