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
Operating Summary
Revenue	2.27B	1.97B	1.75B	1.30B	1.18B
Interest Income	3.90B	3.73B	3.09B	1.94B	1.66B
Interest Expense	2.32B	2.22B	1.64B	0.73B	0.56B
Pretax Income	1.45B	1.15B	0.84B	0.65B	0.51B
Income Tax	130.10M	100.96M	—	—	—
Net Income	1.17B	0.96B	0.75B	0.65B	0.51B
Net Interest Income	1.58B	1.51B	1.45B	1.21B	1.09B
Non-Interest Income	903.87M	671.25M	522.06M	395.76M	333.16M
Non-Interest Expense	897.49M	779.11M	694.45M	610.82M	576.78M
Loan Loss Provisions	217.02M	210.41M	220.61M	313.77M	244.55M
EPS (Basic)	0.38	0.30	0.23	0.20	0.16
EPS (Diluted)	0.38	0.30	0.23	0.20	0.16
DPS	0.20	0.15	0.10	0.10	0.08
Margins & Efficiency
Net Margin %	+51.5%	+48.5%	+42.7%	+50.2%	+43.5%
Revenue & Income
Revenue	2.27B	1.97B	1.75B	1.30B	1.18B
Revenue	2.27B	1.97B	1.75B	1.30B	1.18B
Revenue Growth (YoY)	+15.1%	+12.3%	+35.4%	+9.5%	+17.9%
Revenues Before Loan Losses	2.49B	2.18B	1.98B	1.61B	1.43B
Interest Income on Loans	3.90B	3.73B	3.09B	1.94B	1.66B
Net Interest Income	1.58B	1.51B	1.45B	1.21B	1.09B
Net Interest Income Growth (YoY)	+4.8%	+3.9%	+19.7%	+10.9%	+12.4%
Non-Interest Income Growth (YoY)	+34.7%	+28.6%	+31.9%	+18.8%	+16.8%
Total Non-Interest Income	903.87M	671.25M	522.06M	395.76M	333.16M
Other Non-Interest Income	842.43M	642.84M	506.39M	370.88M	314.32M
Gain (Loss) on Sale of Assets	61.44M	28.41M	15.67M	24.87M	18.84M
Expenses & Provisions
Selling, General & Administrative	264.63M	214.51M	191.47M	144.75M	129.57M
Total Interest Expense	2.32B	2.22B	1.64B	0.73B	0.56B
Interest Paid on Deposits	2.32B	2.22B	1.64B	0.73B	0.56B
Total Non-Interest Expense	897.49M	779.11M	694.45M	610.82M	576.78M
Provision for Loan Losses	217.02M	210.41M	220.61M	313.77M	244.55M
Salaries and Employee Benefits	571.55M	509.93M	450.51M	414.24M	397.22M
Occupancy Expenses	61.31M	54.67M	52.48M	51.84M	49.99M
Asset Writedown	76.15M	-42.77M	-218.42M	-33.62M	-92.05M
Profitability & Returns
EBT Excluding Unusual Items	1.37B	1.19B	1.06B	0.68B	0.61B
Pretax Income	1.45B	1.15B	0.84B	0.65B	0.51B
Profit Margin	+51.5%	+48.5%	+42.7%	+50.3%	+43.5%
Net Income	1.32B	1.05B	0.84B	0.65B	0.51B
Net Income to Common	1.17B	0.96B	0.75B	0.65B	0.51B
Net Income Growth	+25.7%	+24.5%	+29.3%	+26.6%	+26.7%
Income Tax Expense	130.10M	100.96M	—	—	—
Effective Tax Rate	+9.0%	+8.8%	—	—	—
Per Share & Capital
EPS (Basic)	0.38	0.30	0.23	0.20	0.16
EPS (Diluted)	0.38	0.30	0.23	0.20	0.16
EPS Growth	+26.4%	+29.9%	+14.3%	+26.6%	+26.7%
Dividend Per Share	0.20	0.15	0.10	0.10	0.08
Shares Change (YoY)	-0.03	-0.01	0	—	—
Shares Outstanding (Basic)	3.10B	3.20B	3.24B	3.24B	3.24B
Shares Outstanding (Diluted)	3.10B	3.20B	3.24B	3.24B	3.24B
Dividend Growth	+33.3%	+50.0%	+5.0%	+24.9%	—
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
Payout Ratio	+46.1%	+39.6%	+47.5%	+52.0%	+65.8%
Preferred Dividends & Other Adjustments	148.07M	91.83M	91.83M	—	—

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	2.27B	1.97B	1.75B	1.30B	1.18B
Interest Income	3.90B	3.73B	3.09B	1.94B	1.66B
Interest Expense	2.32B	2.22B	1.64B	0.73B	0.56B
Pretax Income	1.45B	1.15B	0.84B	0.65B	0.51B
Income Tax	130.10M	100.96M	—	—	—
Net Income	1.17B	0.96B	0.75B	0.65B	0.51B
Net Interest Income	1.58B	1.51B	1.45B	1.21B	1.09B
Non-Interest Income	903.87M	671.25M	522.06M	395.76M	333.16M
Non-Interest Expense	897.49M	779.11M	694.45M	610.82M	576.78M
Loan Loss Provisions	217.02M	210.41M	220.61M	313.77M	244.55M
EPS (Basic)	0.38	0.30	0.23	0.20	0.16
EPS (Diluted)	0.38	0.30	0.23	0.20	0.16
DPS	0.20	0.15	0.10	0.10	0.08
Margins & Efficiency
Net Margin %	+51.5%	+48.5%	+42.7%	+50.2%	+43.5%
Revenue & Income
Revenue	2.27B	1.97B	1.75B	1.30B	1.18B
Revenue	2.27B	1.97B	1.75B	1.30B	1.18B
Revenue Growth (YoY)	+15.1%	+12.3%	+35.4%	+9.5%	+17.9%
Revenues Before Loan Losses	2.49B	2.18B	1.98B	1.61B	1.43B
Interest Income on Loans	3.90B	3.73B	3.09B	1.94B	1.66B
Net Interest Income	1.58B	1.51B	1.45B	1.21B	1.09B
Net Interest Income Growth (YoY)	+4.8%	+3.9%	+19.7%	+10.9%	+12.4%
Non-Interest Income Growth (YoY)	+34.7%	+28.6%	+31.9%	+18.8%	+16.8%
Total Non-Interest Income	903.87M	671.25M	522.06M	395.76M	333.16M
Other Non-Interest Income	842.43M	642.84M	506.39M	370.88M	314.32M
Gain (Loss) on Sale of Assets	61.44M	28.41M	15.67M	24.87M	18.84M
Expenses & Provisions
Selling, General & Administrative	264.63M	214.51M	191.47M	144.75M	129.57M
Total Interest Expense	2.32B	2.22B	1.64B	0.73B	0.56B
Interest Paid on Deposits	2.32B	2.22B	1.64B	0.73B	0.56B
Total Non-Interest Expense	897.49M	779.11M	694.45M	610.82M	576.78M
Provision for Loan Losses	217.02M	210.41M	220.61M	313.77M	244.55M
Salaries and Employee Benefits	571.55M	509.93M	450.51M	414.24M	397.22M
Occupancy Expenses	61.31M	54.67M	52.48M	51.84M	49.99M
Asset Writedown	76.15M	-42.77M	-218.42M	-33.62M	-92.05M
Profitability & Returns
EBT Excluding Unusual Items	1.37B	1.19B	1.06B	0.68B	0.61B
Pretax Income	1.45B	1.15B	0.84B	0.65B	0.51B
Profit Margin	+51.5%	+48.5%	+42.7%	+50.3%	+43.5%
Net Income	1.32B	1.05B	0.84B	0.65B	0.51B
Net Income to Common	1.17B	0.96B	0.75B	0.65B	0.51B
Net Income Growth	+25.7%	+24.5%	+29.3%	+26.6%	+26.7%
Income Tax Expense	130.10M	100.96M	—	—	—
Effective Tax Rate	+9.0%	+8.8%	—	—	—
Per Share & Capital
EPS (Basic)	0.38	0.30	0.23	0.20	0.16
EPS (Diluted)	0.38	0.30	0.23	0.20	0.16
EPS Growth	+26.4%	+29.9%	+14.3%	+26.6%	+26.7%
Dividend Per Share	0.20	0.15	0.10	0.10	0.08
Shares Change (YoY)	-0.03	-0.01	0	—	—
Shares Outstanding (Basic)	3.10B	3.20B	3.24B	3.24B	3.24B
Shares Outstanding (Diluted)	3.10B	3.20B	3.24B	3.24B	3.24B
Dividend Growth	+33.3%	+50.0%	+5.0%	+24.9%	—
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
Payout Ratio	+46.1%	+39.6%	+47.5%	+52.0%	+65.8%
Preferred Dividends & Other Adjustments	148.07M	91.83M	91.83M	—	—