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
Operations
Operating Cash Flow	-4.66B	1.88B	-0.53B	-1.16B	0.08B
Free Cash Flow	-4.72B	1.82B	-0.57B	-1.24B	-0.15B
Capital Expenditures	-60.76M	-55.72M	-34.81M	-76.31M	-229.61M
Investing & Financing
Investing Cash Flow	-0.08B	-4.49B	-4.83B	-2.55B	1.18B
Financing Cash Flow	5.51B	7.50B	3.36B	0.63B	2.71B
Dividends Paid	-606.79M	-415.39M	-399.99M	-338.35M	-338.35M
Share Repurchase	-1.84B	—	—	—	—
Operating Activities
Operating Cash Flow	-4.66B	1.88B	-0.53B	-1.16B	0.08B
Net Income	1.32B	1.05B	0.84B	0.65B	0.51B
Change in Other Net Operating Assets	-6.12B	0.53B	-1.77B	-2.20B	-0.81B
Net Increase (Decrease) in Deposit Accounts	3.91B	6.55B	5.68B	1.04B	4.89B
Other Operating Activities	-32.02M	54.24M	-69.04M	17.31M	—
Provision for Credit Losses	192.36M	228.03M	182.08M	277.35M	172.79M
Depreciation & Amortization	54.09M	57.05M	57.12M	51.84M	49.99M
Other Amortization	14.56M	1.08M	1.68M	2.28M	2.92M
Cash Income Tax Paid	102.50M	—	—	—	—
Total Asset Writedown	-64.24M	40.34M	221.50M	35.04M	107.51M
Investing Activities
Investing Cash Flow	-0.08B	-4.49B	-4.83B	-2.55B	1.18B
Capital Expenditures	-60.76M	-55.72M	-34.81M	-76.31M	-229.61M
Investment in Securities	-0.12B	-4.10B	-4.91B	-2.53B	1.30B
Other Investing Activities	50.37M	48.90M	60.87M	—	—
Purchase / Sale of Intangibles	-20.06M	-9.08M	—	—	—
Sale of Property, Plant and Equipment	19.08M	0.65M	0.03M	0.12M	57.60M
Gain (Loss) on Sale of Assets	-73.36M	-25.98M	-18.74M	-24.97M	-19.22M
Gain (Loss) on Sale of Investments	55.50M	-52.03M	26.05M	28.07M	60.20M
Financing Activities
Financing Cash Flow	5.51B	7.50B	3.36B	0.63B	2.71B
Common Dividends Paid	-606.79M	-415.39M	-399.99M	-338.35M	-338.35M
Issuance of Common Stock	2.31B	—	—	—	—
Repurchase of Common Stock	-1.84B	—	—	—	—
Long-Term Debt Issued	3.66B	1.82B	—	—	—
Long-Term Debt Repaid	-1.84B	—	-1.84B	—	-1.84B
Net Debt Issued (Repaid)	1.83B	1.82B	-1.84B	—	-1.84B
Other Financing Activities	-91.98M	-459.24M	-80.69M	-64.45M	—
Free Cash Flow & Returns
Free Cash Flow	-4.72B	1.82B	-0.57B	-1.24B	-0.15B
Free Cash Flow Margin	-208.1%	+92.4%	-32.3%	-95.8%	-12.7%
Free Cash Flow Per Share	-1.53	0.57	-0.18	-0.38	-0.05
Net Cash Flow	0.77B	4.89B	-2.00B	-3.09B	3.97B

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	-4.66B	1.88B	-0.53B	-1.16B	0.08B
Free Cash Flow	-4.72B	1.82B	-0.57B	-1.24B	-0.15B
Capital Expenditures	-60.76M	-55.72M	-34.81M	-76.31M	-229.61M
Investing & Financing
Investing Cash Flow	-0.08B	-4.49B	-4.83B	-2.55B	1.18B
Financing Cash Flow	5.51B	7.50B	3.36B	0.63B	2.71B
Dividends Paid	-606.79M	-415.39M	-399.99M	-338.35M	-338.35M
Share Repurchase	-1.84B	—	—	—	—
Operating Activities
Operating Cash Flow	-4.66B	1.88B	-0.53B	-1.16B	0.08B
Net Income	1.32B	1.05B	0.84B	0.65B	0.51B
Change in Other Net Operating Assets	-6.12B	0.53B	-1.77B	-2.20B	-0.81B
Net Increase (Decrease) in Deposit Accounts	3.91B	6.55B	5.68B	1.04B	4.89B
Other Operating Activities	-32.02M	54.24M	-69.04M	17.31M	—
Provision for Credit Losses	192.36M	228.03M	182.08M	277.35M	172.79M
Depreciation & Amortization	54.09M	57.05M	57.12M	51.84M	49.99M
Other Amortization	14.56M	1.08M	1.68M	2.28M	2.92M
Cash Income Tax Paid	102.50M	—	—	—	—
Total Asset Writedown	-64.24M	40.34M	221.50M	35.04M	107.51M
Investing Activities
Investing Cash Flow	-0.08B	-4.49B	-4.83B	-2.55B	1.18B
Capital Expenditures	-60.76M	-55.72M	-34.81M	-76.31M	-229.61M
Investment in Securities	-0.12B	-4.10B	-4.91B	-2.53B	1.30B
Other Investing Activities	50.37M	48.90M	60.87M	—	—
Purchase / Sale of Intangibles	-20.06M	-9.08M	—	—	—
Sale of Property, Plant and Equipment	19.08M	0.65M	0.03M	0.12M	57.60M
Gain (Loss) on Sale of Assets	-73.36M	-25.98M	-18.74M	-24.97M	-19.22M
Gain (Loss) on Sale of Investments	55.50M	-52.03M	26.05M	28.07M	60.20M
Financing Activities
Financing Cash Flow	5.51B	7.50B	3.36B	0.63B	2.71B
Common Dividends Paid	-606.79M	-415.39M	-399.99M	-338.35M	-338.35M
Issuance of Common Stock	2.31B	—	—	—	—
Repurchase of Common Stock	-1.84B	—	—	—	—
Long-Term Debt Issued	3.66B	1.82B	—	—	—
Long-Term Debt Repaid	-1.84B	—	-1.84B	—	-1.84B
Net Debt Issued (Repaid)	1.83B	1.82B	-1.84B	—	-1.84B
Other Financing Activities	-91.98M	-459.24M	-80.69M	-64.45M	—
Free Cash Flow & Returns
Free Cash Flow	-4.72B	1.82B	-0.57B	-1.24B	-0.15B
Free Cash Flow Margin	-208.1%	+92.4%	-32.3%	-95.8%	-12.7%
Free Cash Flow Per Share	-1.53	0.57	-0.18	-0.38	-0.05
Net Cash Flow	0.77B	4.89B	-2.00B	-3.09B	3.97B