Bank of Sharjah

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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
Operating Summary
Revenue	886.28M	577.70M	171.49M	358.42M	442.12M
Interest Income	2.37B	2.09B	1.76B	1.14B	1.01B
Interest Expense	1.69B	1.66B	1.54B	0.77B	0.71B
Pretax Income	802.80M	416.36M	-275.25M	-158.26M	47.11M
Income Tax	74.02M	31.67M	—	0.51M	4.71M
Net Income	729.40M	384.47M	-273.52M	-154.49M	43.78M
Net Interest Income	678.17M	429.01M	223.92M	369.42M	301.10M
Non-Interest Income	257.75M	193.08M	-54.62M	280.45M	268.60M
Non-Interest Expense	294.11M	265.77M	348.98M	614.80M	468.74M
Loan Loss Provisions	49.65M	44.38M	-2.19M	291.44M	127.58M
EPS (Basic)	0.24	0.13	-0.10	-0.07	0.02
EPS (Diluted)	0.24	0.13	-0.10	-0.07	0.02
DPS	0.07	—	—	—	—
Margins & Efficiency
Net Margin %	+82.3%	+66.6%	-159.5%	-43.1%	+9.9%
Revenue & Income
Revenue	886.28M	577.70M	171.49M	358.42M	442.12M
Revenue	886.28M	577.70M	171.49M	358.42M	442.12M
Revenue Growth (YoY)	+53.4%	+236.9%	-52.2%	-18.9%	+303.0%
Revenues Before Loan Losses	935.92M	622.09M	169.30M	649.86M	569.70M
Interest Income on Loans	2.37B	2.09B	1.76B	1.14B	1.01B
Net Interest Income	678.17M	429.01M	223.92M	369.42M	301.10M
Net Interest Income Growth (YoY)	+58.1%	+91.6%	-39.4%	+22.7%	-47.1%
Non-Interest Income Growth (YoY)	+33.5%	—	—	+4.4%	-5.6%
Total Non-Interest Income	257.75M	193.08M	-54.62M	280.45M	268.60M
Other Non-Interest Income	228.55M	183.04M	210.99M	302.03M	218.40M
Gain (Loss) on Sale of Assets	—	—	-199.15M	—	—
Gain (Loss) on Sale of Investments	29.20M	10.04M	-66.46M	-21.58M	50.20M
Expenses & Provisions
Interest Paid on Deposits	1.69B	1.66B	1.54B	0.77B	0.71B
Total Non-Interest Expense	294.11M	265.77M	348.98M	614.80M	468.74M
Other Non-Interest Expense	112.88M	107.76M	127.42M	107.73M	94.08M
Provision for Loan Losses	49.65M	44.38M	-2.19M	291.44M	127.58M
Salaries and Employee Benefits	159.49M	136.94M	179.62M	161.53M	152.90M
Occupancy Expenses	21.74M	21.07M	23.58M	31.87M	29.62M
Asset Writedown	210.63M	104.43M	-97.76M	98.11M	73.74M
Amortization of Goodwill & Intangibles	—	—	18.37M	1.23M	0.93M
Profitability & Returns
EBT Excluding Unusual Items	592.17M	311.93M	-177.49M	-256.38M	-26.62M
Pretax Income	802.80M	416.36M	-275.25M	-158.26M	47.11M
Profit Margin	+82.3%	+66.6%	-159.5%	-43.1%	+9.9%
Net Income	729.40M	384.47M	-273.52M	-154.49M	43.78M
Net Income to Common	729.40M	384.47M	-273.52M	-154.49M	43.78M
Net Income Growth	+89.7%	—	—	—	—
Earnings From Continuing Ops.	728.78M	384.69M	-275.25M	-158.77M	42.41M
Minority Interest in Earnings	0.62M	-0.22M	1.73M	4.28M	1.37M
Income Tax Expense	74.02M	31.67M	—	0.51M	4.71M
Effective Tax Rate	+9.2%	+7.6%	—	—	+10.0%
Per Share & Capital
EPS (Basic)	0.24	0.13	-0.10	-0.07	0.02
EPS (Diluted)	0.24	0.13	-0.10	-0.07	0.02
EPS Growth	+89.7%	—	—	—	—
Dividend Per Share	0.07	—	—	—	—
Shares Change (YoY)	—	0.15	0.19	—	—
Shares Outstanding (Basic)	3.00B	3.00B	2.62B	2.20B	2.20B
Shares Outstanding (Diluted)	3.00B	3.00B	2.62B	2.20B	2.20B
Free Cash Flow	-5.03B	-1.65B	0.22B	1.29B	2.27B
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

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
Operating Summary
Revenue	886.28M	577.70M	171.49M	358.42M	442.12M
Interest Income	2.37B	2.09B	1.76B	1.14B	1.01B
Interest Expense	1.69B	1.66B	1.54B	0.77B	0.71B
Pretax Income	802.80M	416.36M	-275.25M	-158.26M	47.11M
Income Tax	74.02M	31.67M	—	0.51M	4.71M
Net Income	729.40M	384.47M	-273.52M	-154.49M	43.78M
Net Interest Income	678.17M	429.01M	223.92M	369.42M	301.10M
Non-Interest Income	257.75M	193.08M	-54.62M	280.45M	268.60M
Non-Interest Expense	294.11M	265.77M	348.98M	614.80M	468.74M
Loan Loss Provisions	49.65M	44.38M	-2.19M	291.44M	127.58M
EPS (Basic)	0.24	0.13	-0.10	-0.07	0.02
EPS (Diluted)	0.24	0.13	-0.10	-0.07	0.02
DPS	0.07	—	—	—	—
Margins & Efficiency
Net Margin %	+82.3%	+66.6%	-159.5%	-43.1%	+9.9%
Revenue & Income
Revenue	886.28M	577.70M	171.49M	358.42M	442.12M
Revenue	886.28M	577.70M	171.49M	358.42M	442.12M
Revenue Growth (YoY)	+53.4%	+236.9%	-52.2%	-18.9%	+303.0%
Revenues Before Loan Losses	935.92M	622.09M	169.30M	649.86M	569.70M
Interest Income on Loans	2.37B	2.09B	1.76B	1.14B	1.01B
Net Interest Income	678.17M	429.01M	223.92M	369.42M	301.10M
Net Interest Income Growth (YoY)	+58.1%	+91.6%	-39.4%	+22.7%	-47.1%
Non-Interest Income Growth (YoY)	+33.5%	—	—	+4.4%	-5.6%
Total Non-Interest Income	257.75M	193.08M	-54.62M	280.45M	268.60M
Other Non-Interest Income	228.55M	183.04M	210.99M	302.03M	218.40M
Gain (Loss) on Sale of Assets	—	—	-199.15M	—	—
Gain (Loss) on Sale of Investments	29.20M	10.04M	-66.46M	-21.58M	50.20M
Expenses & Provisions
Interest Paid on Deposits	1.69B	1.66B	1.54B	0.77B	0.71B
Total Non-Interest Expense	294.11M	265.77M	348.98M	614.80M	468.74M
Other Non-Interest Expense	112.88M	107.76M	127.42M	107.73M	94.08M
Provision for Loan Losses	49.65M	44.38M	-2.19M	291.44M	127.58M
Salaries and Employee Benefits	159.49M	136.94M	179.62M	161.53M	152.90M
Occupancy Expenses	21.74M	21.07M	23.58M	31.87M	29.62M
Asset Writedown	210.63M	104.43M	-97.76M	98.11M	73.74M
Amortization of Goodwill & Intangibles	—	—	18.37M	1.23M	0.93M
Profitability & Returns
EBT Excluding Unusual Items	592.17M	311.93M	-177.49M	-256.38M	-26.62M
Pretax Income	802.80M	416.36M	-275.25M	-158.26M	47.11M
Profit Margin	+82.3%	+66.6%	-159.5%	-43.1%	+9.9%
Net Income	729.40M	384.47M	-273.52M	-154.49M	43.78M
Net Income to Common	729.40M	384.47M	-273.52M	-154.49M	43.78M
Net Income Growth	+89.7%	—	—	—	—
Earnings From Continuing Ops.	728.78M	384.69M	-275.25M	-158.77M	42.41M
Minority Interest in Earnings	0.62M	-0.22M	1.73M	4.28M	1.37M
Income Tax Expense	74.02M	31.67M	—	0.51M	4.71M
Effective Tax Rate	+9.2%	+7.6%	—	—	+10.0%
Per Share & Capital
EPS (Basic)	0.24	0.13	-0.10	-0.07	0.02
EPS (Diluted)	0.24	0.13	-0.10	-0.07	0.02
EPS Growth	+89.7%	—	—	—	—
Dividend Per Share	0.07	—	—	—	—
Shares Change (YoY)	—	0.15	0.19	—	—
Shares Outstanding (Basic)	3.00B	3.00B	2.62B	2.20B	2.20B
Shares Outstanding (Diluted)	3.00B	3.00B	2.62B	2.20B	2.20B
Free Cash Flow	-5.03B	-1.65B	0.22B	1.29B	2.27B
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