Sharjah Islamic Bank

SIBStocksAbu 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	8.88B	10.44B	4.89B	7.05B	10.55B
Total Assets	90.31B	79.21B	65.88B	59.12B	54.96B
Investment Securities	6.71B	8.52B	8.25B	4.62B	4.00B
Trading Assets	758.59M	948.15M	728.57M	370.72M	219.15M
Gross Loans	49.66B	41.22B	36.06B	33.48B	31.42B
Net Loans	45.55B	38.08B	33.03B	30.67B	29.01B
Allowance for Loan Losses	-1.73B	-1.75B	-1.61B	-1.54B	-1.33B
Liabilities
Total Deposits	55.67B	51.76B	45.21B	46.18B	42.57B
Interest-Bearing Deposits	41.33B	38.22B	32.43B	35.01B	32.47B
Non-Interest-Bearing Deposits	14.35B	13.53B	12.78B	11.17B	10.10B
Total Debt	21.82B	16.58B	10.91B	3.70B	3.82B
Total Liabilities	80.78B	70.91B	57.76B	51.49B	47.26B
Equity & Ownership
Total Equity	9.53B	8.30B	8.12B	7.63B	7.69B
Shares Outstanding	3,235,678,000	3,235,677,638	3,235,677,638	3,235,677,638	3,235,677,638
Cash & Assets
Total Assets	90.31B	79.21B	65.88B	59.12B	54.96B
Cash & Equivalents	8.88B	10.44B	4.89B	7.05B	10.55B
Net Cash (Debt)	-12.18B	-5.19B	-5.29B	3.73B	6.94B
Net Cash Per Share	-3.94	-1.62	-1.63	1.15	2.15
Net Cash Growth	—	—	—	-46.4%	+585.5%
Other Receivables	7.74B	5.38B	7.61B	5.26B	2.45B
Restricted Cash	4.37B	2.04B	1.83B	2.28B	1.78B
Property, Plant & Equipment	883.69M	896.07M	889.94M	911.95M	883.69M
Other Intangible Assets	71.42M	63.00M	61.66M	61.99M	65.87M
Investments in Real Estate	1.84B	2.96B	2.82B	3.09B	2.83B
Other Current Assets	2.51B	1.09B	1.09B	0.95B	0.92B
Other Long-Term Assets	10.99B	8.79B	4.67B	3.86B	2.25B
Long-Term Leases	21.85M	25.36M	18.66M	14.14M	7.32M
Loans & Investments
Gross Loans	49.66B	41.22B	36.06B	33.48B	31.42B
Net Loans	45.55B	38.08B	33.03B	30.67B	29.01B
Allowance for Loan Losses	-1.73B	-1.75B	-1.61B	-1.54B	-1.33B
Investment Securities	6.71B	8.52B	8.25B	4.62B	4.00B
Trading Asset Securities	758.59M	948.15M	728.57M	370.72M	219.15M
Total Investments	7.47B	9.46B	8.98B	4.99B	4.22B
Other Adjustments to Gross Loans	-2.37B	-1.39B	-1.42B	-1.28B	-1.08B
Liabilities & Obligations
Total Liabilities	80.78B	70.91B	57.76B	51.49B	47.26B
Total Liabilities & Equity	90.31B	79.21B	65.88B	59.12B	54.96B
Accounts Payable	610.52M	182.58M	229.85M	443.43M	194.41M
Accrued Expenses	146.14M	124.13M	93.88M	62.21M	51.52M
Accrued Interest Payable	877.73M	874.97M	522.50M	249.58M	133.03M
Current Income Taxes Payable	237.77M	186.84M	66.00M	80.69M	71.10M
Other Current Liabilities	559.49M	501.82M	314.55M	235.04M	203.18M
Other Long-Term Liabilities	712.29M	580.66M	315.22M	444.97M	131.91M
Pension & Post-Retirement Benefits	131.95M	119.06M	106.27M	97.12M	84.52M
Long-Term Deferred Tax Liabilities	14.27M	0.87M	—	—	—
Debt & Funding
Total Debt	21.82B	16.58B	10.91B	3.70B	3.82B
Current Portion of Long-Term Debt	—	1.84B	—	1.84B	—
Long-Term Debt	21.78B	14.66B	10.86B	1.83B	3.67B
Short-Term Borrowings	19.50M	59.53M	25.80M	12.31M	146.07M
Total Deposits	55.67B	51.76B	45.21B	46.18B	42.57B
Interest Bearing Deposits	41.33B	38.22B	32.43B	35.01B	32.47B
Non-Interest Bearing Deposits	14.35B	13.53B	12.78B	11.17B	10.10B
Equity & Book Value
Shareholders' Equity	9.53B	8.30B	8.12B	7.63B	7.69B
Common Stock	3.24B	3.24B	3.24B	3.08B	3.08B
Additional Paid-In Capital	99.58M	—	—	—	—
Retained Earnings	4.38B	3.77B	1.36B	3.02B	2.79B
Treasury Stock	-22.75M	-393.24M	—	—	—
Comprehensive Income & Other	1.84B	1.69B	3.52B	1.53B	1.82B
Book Value Per Share	2.38	2.00	1.94	1.79	1.81
Tangible Book Value	9.46B	8.24B	8.06B	7.57B	7.63B
Tangible Book Value Per Share	2.36	1.98	1.92	1.77	1.79
Filing Date Shares Outstanding	3.24B	3.24B	3.24B	3.24B	3.24B
Total Common Shares Outstanding	3.24B	3.24B	3.24B	3.24B	3.24B

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	8.88B	10.44B	4.89B	7.05B	10.55B
Total Assets	90.31B	79.21B	65.88B	59.12B	54.96B
Investment Securities	6.71B	8.52B	8.25B	4.62B	4.00B
Trading Assets	758.59M	948.15M	728.57M	370.72M	219.15M
Gross Loans	49.66B	41.22B	36.06B	33.48B	31.42B
Net Loans	45.55B	38.08B	33.03B	30.67B	29.01B
Allowance for Loan Losses	-1.73B	-1.75B	-1.61B	-1.54B	-1.33B
Liabilities
Total Deposits	55.67B	51.76B	45.21B	46.18B	42.57B
Interest-Bearing Deposits	41.33B	38.22B	32.43B	35.01B	32.47B
Non-Interest-Bearing Deposits	14.35B	13.53B	12.78B	11.17B	10.10B
Total Debt	21.82B	16.58B	10.91B	3.70B	3.82B
Total Liabilities	80.78B	70.91B	57.76B	51.49B	47.26B
Equity & Ownership
Total Equity	9.53B	8.30B	8.12B	7.63B	7.69B
Shares Outstanding	3,235,678,000	3,235,677,638	3,235,677,638	3,235,677,638	3,235,677,638
Cash & Assets
Total Assets	90.31B	79.21B	65.88B	59.12B	54.96B
Cash & Equivalents	8.88B	10.44B	4.89B	7.05B	10.55B
Net Cash (Debt)	-12.18B	-5.19B	-5.29B	3.73B	6.94B
Net Cash Per Share	-3.94	-1.62	-1.63	1.15	2.15
Net Cash Growth	—	—	—	-46.4%	+585.5%
Other Receivables	7.74B	5.38B	7.61B	5.26B	2.45B
Restricted Cash	4.37B	2.04B	1.83B	2.28B	1.78B
Property, Plant & Equipment	883.69M	896.07M	889.94M	911.95M	883.69M
Other Intangible Assets	71.42M	63.00M	61.66M	61.99M	65.87M
Investments in Real Estate	1.84B	2.96B	2.82B	3.09B	2.83B
Other Current Assets	2.51B	1.09B	1.09B	0.95B	0.92B
Other Long-Term Assets	10.99B	8.79B	4.67B	3.86B	2.25B
Long-Term Leases	21.85M	25.36M	18.66M	14.14M	7.32M
Loans & Investments
Gross Loans	49.66B	41.22B	36.06B	33.48B	31.42B
Net Loans	45.55B	38.08B	33.03B	30.67B	29.01B
Allowance for Loan Losses	-1.73B	-1.75B	-1.61B	-1.54B	-1.33B
Investment Securities	6.71B	8.52B	8.25B	4.62B	4.00B
Trading Asset Securities	758.59M	948.15M	728.57M	370.72M	219.15M
Total Investments	7.47B	9.46B	8.98B	4.99B	4.22B
Other Adjustments to Gross Loans	-2.37B	-1.39B	-1.42B	-1.28B	-1.08B
Liabilities & Obligations
Total Liabilities	80.78B	70.91B	57.76B	51.49B	47.26B
Total Liabilities & Equity	90.31B	79.21B	65.88B	59.12B	54.96B
Accounts Payable	610.52M	182.58M	229.85M	443.43M	194.41M
Accrued Expenses	146.14M	124.13M	93.88M	62.21M	51.52M
Accrued Interest Payable	877.73M	874.97M	522.50M	249.58M	133.03M
Current Income Taxes Payable	237.77M	186.84M	66.00M	80.69M	71.10M
Other Current Liabilities	559.49M	501.82M	314.55M	235.04M	203.18M
Other Long-Term Liabilities	712.29M	580.66M	315.22M	444.97M	131.91M
Pension & Post-Retirement Benefits	131.95M	119.06M	106.27M	97.12M	84.52M
Long-Term Deferred Tax Liabilities	14.27M	0.87M	—	—	—
Debt & Funding
Total Debt	21.82B	16.58B	10.91B	3.70B	3.82B
Current Portion of Long-Term Debt	—	1.84B	—	1.84B	—
Long-Term Debt	21.78B	14.66B	10.86B	1.83B	3.67B
Short-Term Borrowings	19.50M	59.53M	25.80M	12.31M	146.07M
Total Deposits	55.67B	51.76B	45.21B	46.18B	42.57B
Interest Bearing Deposits	41.33B	38.22B	32.43B	35.01B	32.47B
Non-Interest Bearing Deposits	14.35B	13.53B	12.78B	11.17B	10.10B
Equity & Book Value
Shareholders' Equity	9.53B	8.30B	8.12B	7.63B	7.69B
Common Stock	3.24B	3.24B	3.24B	3.08B	3.08B
Additional Paid-In Capital	99.58M	—	—	—	—
Retained Earnings	4.38B	3.77B	1.36B	3.02B	2.79B
Treasury Stock	-22.75M	-393.24M	—	—	—
Comprehensive Income & Other	1.84B	1.69B	3.52B	1.53B	1.82B
Book Value Per Share	2.38	2.00	1.94	1.79	1.81
Tangible Book Value	9.46B	8.24B	8.06B	7.57B	7.63B
Tangible Book Value Per Share	2.36	1.98	1.92	1.77	1.79
Filing Date Shares Outstanding	3.24B	3.24B	3.24B	3.24B	3.24B
Total Common Shares Outstanding	3.24B	3.24B	3.24B	3.24B	3.24B