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
Operations
Operating Cash Flow	-5.03B	-1.64B	0.23B	1.31B	2.29B
Free Cash Flow	-5.03B	-1.65B	0.22B	1.29B	2.27B
Capital Expenditures	-4.61M	-7.26M	-8.89M	-18.05M	-13.31M
Investing & Financing
Investing Cash Flow	-0.65B	-2.40B	0.12B	0.20B	-0.12B
Financing Cash Flow	5.56B	4.47B	-1.27B	1.16B	0.53B
Operating Activities
Operating Cash Flow	-5.03B	-1.64B	0.23B	1.31B	2.29B
Net Income	729.40M	384.47M	-273.52M	-154.49M	43.78M
Change in Other Net Operating Assets	-5.59B	-2.00B	0.20B	0.89B	1.76B
Net Increase (Decrease) in Deposit Accounts	1.80B	3.36B	-1.43B	-0.73B	0.08B
Other Operating Activities	-12.84M	12.43M	-58.25M	245.91M	56.40M
Provision for Credit Losses	59.10M	55.24M	-9.51M	349.36M	152.88M
Depreciation & Amortization	21.74M	21.07M	23.58M	33.10M	30.55M
Other Amortization	-4.50M	—	—	—	—
Cash Income Tax Paid	—	—	—	0.51M	4.71M
Total Asset Writedown	-130.84M	-60.71M	117.15M	-74.94M	272.19M
Investing Activities
Investing Cash Flow	-0.65B	-2.40B	0.12B	0.20B	-0.12B
Capital Expenditures	-4.61M	-7.26M	-8.89M	-18.05M	-13.31M
Investment in Securities	-0.67B	-2.43B	0.06B	-0.01B	-0.19B
Other Investing Activities	-0.14M	1.13M	13.19M	33.48M	15.93M
Sale of Property, Plant and Equipment	—	38.18M	64.98M	203.37M	379.94M
Gain (Loss) on Sale of Assets	-92.16M	-44.62M	196.63M	-0.25M	0.28M
Gain (Loss) on Sale of Investments	-14.03M	-12.91M	33.80M	18.62M	-27.92M
Financing Activities
Financing Cash Flow	5.56B	4.47B	-1.27B	1.16B	0.53B
Issuance of Common Stock	—	—	800.00M	—	—
Long-Term Debt Issued	3.76B	3.35B	1.81B	4.65B	0.46B
Long-Term Debt Repaid	—	-2.25B	-2.45B	-2.76B	-0.02B
Net Debt Issued (Repaid)	3.76B	1.10B	-0.64B	1.89B	0.44B
Free Cash Flow & Returns
Free Cash Flow	-5.03B	-1.65B	0.22B	1.29B	2.27B
Free Cash Flow Growth	—	—	-83.1%	-43.3%	—
Free Cash Flow Margin	-568.0%	-286.0%	+126.7%	+359.5%	+514.4%
Free Cash Flow Per Share	-1.68	-0.55	0.08	0.59	1.03
Operating Cash Flow Growth	—	—	-82.7%	-42.9%	—
Net Cash Flow	-0.12B	0.42B	-0.92B	2.63B	-0.67B
Foreign Exchange Rate Adjustments	—	—	—	-0.05B	-3.36B

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
Operations
Operating Cash Flow	-5.03B	-1.64B	0.23B	1.31B	2.29B
Free Cash Flow	-5.03B	-1.65B	0.22B	1.29B	2.27B
Capital Expenditures	-4.61M	-7.26M	-8.89M	-18.05M	-13.31M
Investing & Financing
Investing Cash Flow	-0.65B	-2.40B	0.12B	0.20B	-0.12B
Financing Cash Flow	5.56B	4.47B	-1.27B	1.16B	0.53B
Operating Activities
Operating Cash Flow	-5.03B	-1.64B	0.23B	1.31B	2.29B
Net Income	729.40M	384.47M	-273.52M	-154.49M	43.78M
Change in Other Net Operating Assets	-5.59B	-2.00B	0.20B	0.89B	1.76B
Net Increase (Decrease) in Deposit Accounts	1.80B	3.36B	-1.43B	-0.73B	0.08B
Other Operating Activities	-12.84M	12.43M	-58.25M	245.91M	56.40M
Provision for Credit Losses	59.10M	55.24M	-9.51M	349.36M	152.88M
Depreciation & Amortization	21.74M	21.07M	23.58M	33.10M	30.55M
Other Amortization	-4.50M	—	—	—	—
Cash Income Tax Paid	—	—	—	0.51M	4.71M
Total Asset Writedown	-130.84M	-60.71M	117.15M	-74.94M	272.19M
Investing Activities
Investing Cash Flow	-0.65B	-2.40B	0.12B	0.20B	-0.12B
Capital Expenditures	-4.61M	-7.26M	-8.89M	-18.05M	-13.31M
Investment in Securities	-0.67B	-2.43B	0.06B	-0.01B	-0.19B
Other Investing Activities	-0.14M	1.13M	13.19M	33.48M	15.93M
Sale of Property, Plant and Equipment	—	38.18M	64.98M	203.37M	379.94M
Gain (Loss) on Sale of Assets	-92.16M	-44.62M	196.63M	-0.25M	0.28M
Gain (Loss) on Sale of Investments	-14.03M	-12.91M	33.80M	18.62M	-27.92M
Financing Activities
Financing Cash Flow	5.56B	4.47B	-1.27B	1.16B	0.53B
Issuance of Common Stock	—	—	800.00M	—	—
Long-Term Debt Issued	3.76B	3.35B	1.81B	4.65B	0.46B
Long-Term Debt Repaid	—	-2.25B	-2.45B	-2.76B	-0.02B
Net Debt Issued (Repaid)	3.76B	1.10B	-0.64B	1.89B	0.44B
Free Cash Flow & Returns
Free Cash Flow	-5.03B	-1.65B	0.22B	1.29B	2.27B
Free Cash Flow Growth	—	—	-83.1%	-43.3%	—
Free Cash Flow Margin	-568.0%	-286.0%	+126.7%	+359.5%	+514.4%
Free Cash Flow Per Share	-1.68	-0.55	0.08	0.59	1.03
Operating Cash Flow Growth	—	—	-82.7%	-42.9%	—
Net Cash Flow	-0.12B	0.42B	-0.92B	2.63B	-0.67B
Foreign Exchange Rate Adjustments	—	—	—	-0.05B	-3.36B