Sharjah Islamic Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	8.88B	3.86B	9.32B	4.48B	10.44B
Total Assets	90.31B	86.58B	84.71B	82.77B	79.21B
Investment Securities	6.71B	16.58B	8.22B	6.99B	8.52B
Trading Assets	758.59M	770.88M	943.01M	938.26M	948.15M
Gross Loans	49.66B	46.64B	46.13B	43.52B	41.22B
Net Loans	45.55B	43.66B	42.99B	40.31B	38.08B
Allowance for Loan Losses	-1.73B	-1.63B	-1.66B	-1.69B	-1.75B
Liabilities
Total Deposits	55.67B	54.57B	52.72B	52.10B	51.76B
Interest-Bearing Deposits	41.33B	40.38B	38.94B	37.99B	38.22B
Non-Interest-Bearing Deposits	14.35B	14.19B	13.79B	14.11B	13.53B
Total Debt	21.82B	19.87B	18.99B	19.97B	16.58B
Total Liabilities	80.78B	77.58B	74.27B	74.61B	70.91B
Equity & Ownership
Total Equity	9.53B	9.00B	10.44B	8.16B	8.30B
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	86.58B	84.71B	82.77B	79.21B
Cash & Equivalents	8.88B	3.86B	9.32B	4.48B	10.44B
Net Cash (Debt)	-12.18B	-7.34B	-8.72B	-14.56B	-5.19B
Net Cash Per Share	-3.77	-2.40	-2.85	-4.76	-1.43
Net Cash Growth	—	—	—	—	—
Other Receivables	7.74B	4.16B	4.76B	9.69B	5.38B
Restricted Cash	4.37B	3.69B	4.50B	4.71B	2.04B
Property, Plant & Equipment	883.69M	881.41M	904.88M	909.18M	896.07M
Other Intangible Assets	71.42M	66.44M	63.78M	65.47M	63.00M
Investments in Real Estate	1.84B	3.00B	2.99B	2.98B	2.96B
Other Current Assets	2.51B	1.26B	1.22B	1.69B	1.09B
Other Long-Term Assets	10.99B	8.66B	8.79B	10.02B	8.79B
Loans Held for Sale	—	—	—	—	—
Long-Term Leases	21.85M	25.87M	30.82M	30.63M	25.36M
Loans & Investments
Gross Loans	49.66B	46.64B	46.13B	43.52B	41.22B
Net Loans	45.55B	43.66B	42.99B	40.31B	38.08B
Allowance for Loan Losses	-1.73B	-1.63B	-1.66B	-1.69B	-1.75B
Investment Securities	6.71B	16.58B	8.22B	6.99B	8.52B
Trading Asset Securities	758.59M	770.88M	943.01M	938.26M	948.15M
Total Investments	7.47B	17.35B	9.16B	7.93B	9.46B
Other Adjustments to Gross Loans	-2.37B	-1.35B	-1.48B	-1.52B	-1.39B
Liabilities & Obligations
Total Liabilities	80.78B	77.58B	74.27B	74.61B	70.91B
Total Liabilities & Equity	90.31B	86.58B	84.71B	82.77B	79.21B
Accounts Payable	610.52M	383.66M	320.42M	308.57M	182.58M
Accrued Expenses	146.14M	165.28M	177.22M	128.17M	124.13M
Accrued Interest Payable	877.73M	672.20M	695.98M	720.41M	874.97M
Current Income Taxes Payable	237.77M	118.52M	181.40M	215.38M	186.84M
Other Current Liabilities	559.49M	947.19M	401.77M	492.55M	501.82M
Other Long-Term Liabilities	712.29M	702.21M	644.36M	534.98M	580.66M
Pension & Post-Retirement Benefits	131.95M	131.85M	129.23M	128.08M	119.06M
Long-Term Deferred Tax Liabilities	14.27M	14.17M	10.42M	7.18M	0.87M
Debt & Funding
Total Debt	21.82B	19.87B	18.99B	19.97B	16.58B
Current Portion of Long-Term Debt	—	—	—	1.84B	1.84B
Long-Term Debt	21.78B	19.85B	18.95B	18.11B	14.66B
Short-Term Borrowings	19.50M	—	0.90M	0.61M	59.53M
Total Deposits	55.67B	54.57B	52.72B	52.10B	51.76B
Interest Bearing Deposits	41.33B	40.38B	38.94B	37.99B	38.22B
Non-Interest Bearing Deposits	14.35B	14.19B	13.79B	14.11B	13.53B
Equity & Book Value
Shareholders' Equity	9.53B	9.00B	10.44B	8.16B	8.30B
Common Stock	3.24B	3.24B	3.24B	3.24B	3.24B
Additional Paid-In Capital	99.58M	—	—	—	—
Retained Earnings	4.38B	4.32B	3.96B	3.59B	3.77B
Treasury Stock	-22.75M	-387.32M	-383.06M	-411.05M	-393.24M
Comprehensive Income & Other	1.84B	1.83B	3.63B	1.75B	1.69B
Book Value Per Share	2.38	2.21	2.09	1.95	2.00
Tangible Book Value	9.46B	8.93B	10.38B	8.10B	8.24B
Tangible Book Value Per Share	2.36	2.19	2.07	1.93	1.98
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

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	8.88B	3.86B	9.32B	4.48B	10.44B
Total Assets	90.31B	86.58B	84.71B	82.77B	79.21B
Investment Securities	6.71B	16.58B	8.22B	6.99B	8.52B
Trading Assets	758.59M	770.88M	943.01M	938.26M	948.15M
Gross Loans	49.66B	46.64B	46.13B	43.52B	41.22B
Net Loans	45.55B	43.66B	42.99B	40.31B	38.08B
Allowance for Loan Losses	-1.73B	-1.63B	-1.66B	-1.69B	-1.75B
Liabilities
Total Deposits	55.67B	54.57B	52.72B	52.10B	51.76B
Interest-Bearing Deposits	41.33B	40.38B	38.94B	37.99B	38.22B
Non-Interest-Bearing Deposits	14.35B	14.19B	13.79B	14.11B	13.53B
Total Debt	21.82B	19.87B	18.99B	19.97B	16.58B
Total Liabilities	80.78B	77.58B	74.27B	74.61B	70.91B
Equity & Ownership
Total Equity	9.53B	9.00B	10.44B	8.16B	8.30B
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	86.58B	84.71B	82.77B	79.21B
Cash & Equivalents	8.88B	3.86B	9.32B	4.48B	10.44B
Net Cash (Debt)	-12.18B	-7.34B	-8.72B	-14.56B	-5.19B
Net Cash Per Share	-3.77	-2.40	-2.85	-4.76	-1.43
Net Cash Growth	—	—	—	—	—
Other Receivables	7.74B	4.16B	4.76B	9.69B	5.38B
Restricted Cash	4.37B	3.69B	4.50B	4.71B	2.04B
Property, Plant & Equipment	883.69M	881.41M	904.88M	909.18M	896.07M
Other Intangible Assets	71.42M	66.44M	63.78M	65.47M	63.00M
Investments in Real Estate	1.84B	3.00B	2.99B	2.98B	2.96B
Other Current Assets	2.51B	1.26B	1.22B	1.69B	1.09B
Other Long-Term Assets	10.99B	8.66B	8.79B	10.02B	8.79B
Loans Held for Sale	—	—	—	—	—
Long-Term Leases	21.85M	25.87M	30.82M	30.63M	25.36M
Loans & Investments
Gross Loans	49.66B	46.64B	46.13B	43.52B	41.22B
Net Loans	45.55B	43.66B	42.99B	40.31B	38.08B
Allowance for Loan Losses	-1.73B	-1.63B	-1.66B	-1.69B	-1.75B
Investment Securities	6.71B	16.58B	8.22B	6.99B	8.52B
Trading Asset Securities	758.59M	770.88M	943.01M	938.26M	948.15M
Total Investments	7.47B	17.35B	9.16B	7.93B	9.46B
Other Adjustments to Gross Loans	-2.37B	-1.35B	-1.48B	-1.52B	-1.39B
Liabilities & Obligations
Total Liabilities	80.78B	77.58B	74.27B	74.61B	70.91B
Total Liabilities & Equity	90.31B	86.58B	84.71B	82.77B	79.21B
Accounts Payable	610.52M	383.66M	320.42M	308.57M	182.58M
Accrued Expenses	146.14M	165.28M	177.22M	128.17M	124.13M
Accrued Interest Payable	877.73M	672.20M	695.98M	720.41M	874.97M
Current Income Taxes Payable	237.77M	118.52M	181.40M	215.38M	186.84M
Other Current Liabilities	559.49M	947.19M	401.77M	492.55M	501.82M
Other Long-Term Liabilities	712.29M	702.21M	644.36M	534.98M	580.66M
Pension & Post-Retirement Benefits	131.95M	131.85M	129.23M	128.08M	119.06M
Long-Term Deferred Tax Liabilities	14.27M	14.17M	10.42M	7.18M	0.87M
Debt & Funding
Total Debt	21.82B	19.87B	18.99B	19.97B	16.58B
Current Portion of Long-Term Debt	—	—	—	1.84B	1.84B
Long-Term Debt	21.78B	19.85B	18.95B	18.11B	14.66B
Short-Term Borrowings	19.50M	—	0.90M	0.61M	59.53M
Total Deposits	55.67B	54.57B	52.72B	52.10B	51.76B
Interest Bearing Deposits	41.33B	40.38B	38.94B	37.99B	38.22B
Non-Interest Bearing Deposits	14.35B	14.19B	13.79B	14.11B	13.53B
Equity & Book Value
Shareholders' Equity	9.53B	9.00B	10.44B	8.16B	8.30B
Common Stock	3.24B	3.24B	3.24B	3.24B	3.24B
Additional Paid-In Capital	99.58M	—	—	—	—
Retained Earnings	4.38B	4.32B	3.96B	3.59B	3.77B
Treasury Stock	-22.75M	-387.32M	-383.06M	-411.05M	-393.24M
Comprehensive Income & Other	1.84B	1.83B	3.63B	1.75B	1.69B
Book Value Per Share	2.38	2.21	2.09	1.95	2.00
Tangible Book Value	9.46B	8.93B	10.38B	8.10B	8.24B
Tangible Book Value Per Share	2.36	2.19	2.07	1.93	1.98
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