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
Operating Summary
Revenue	435.05M	662.03M	622.89M	548.93M	457.12M
Interest Income	1.02B	1.00B	0.97B	0.91B	1.00B
Interest Expense	589.11M	596.45M	585.48M	546.90M	597.69M
Pretax Income	232.70M	448.41M	415.83M	350.62M	168.00M
Income Tax	20.47M	40.37M	37.57M	31.69M	11.39M
Net Income	155.98M	362.13M	378.27M	273.02M	156.61M
Net Interest Income	426.68M	405.30M	382.72M	367.36M	401.47M
Non-Interest Income	213.45M	277.98M	248.08M	164.36M	165.42M
Non-Interest Expense	278.51M	213.62M	207.06M	198.31M	246.34M
Loan Loss Provisions	205.08M	21.25M	7.91M	-17.21M	109.77M
EPS (Basic)	0.05	0.12	0.12	0.09	0.04
EPS (Diluted)	0.05	0.12	0.12	0.09	0.04
Margins & Efficiency
Net Margin %	+35.9%	+54.7%	+60.7%	+49.7%	+34.3%
Revenue & Income
Revenue	435.05M	662.03M	622.89M	548.93M	457.12M
Revenue	435.05M	662.03M	622.89M	548.93M	457.12M
Revenue Growth (YoY)	-4.8%	+20.0%	+24.1%	+19.4%	-11.1%
Revenues Before Loan Losses	640.12M	683.28M	630.80M	531.73M	566.89M
Interest Income on Loans	1.02B	1.00B	0.97B	0.91B	1.00B
Net Interest Income	426.68M	405.30M	382.72M	367.36M	401.47M
Net Interest Income Growth (YoY)	+6.3%	+8.5%	+5.6%	-1.4%	+8.6%
Non-Interest Income Growth (YoY)	+29.0%	+31.3%	+53.3%	+24.3%	-14.0%
Total Non-Interest Income	213.45M	277.98M	248.08M	164.36M	165.42M
Other Non-Interest Income	186.84M	244.99M	247.26M	163.34M	165.03M
Gain (Loss) on Sale of Assets	26.60M	32.99M	0.82M	1.03M	0.39M
Gain (Loss) on Sale of Investments	—	—	—	—	—
Expenses & Provisions
Selling, General & Administrative	-354.36M	213.62M	207.06M	198.31M	-318.26M
Total Interest Expense	589.11M	596.45M	585.48M	546.90M	597.69M
Interest Paid on Deposits	589.11M	596.45M	585.48M	546.90M	597.69M
Total Non-Interest Expense	278.51M	213.62M	207.06M	198.31M	246.34M
Provision for Loan Losses	205.08M	21.25M	7.91M	-17.21M	109.77M
Salaries and Employee Benefits	571.55M	—	—	—	509.93M
Occupancy Expenses	61.31M	—	—	—	54.67M
Asset Writedown	76.15M	—	—	—	-42.77M
Profitability & Returns
EBT Excluding Unusual Items	156.54M	448.41M	415.83M	350.62M	210.77M
Pretax Income	232.70M	448.41M	415.83M	350.62M	168.00M
Profit Margin	+35.9%	+54.7%	+60.7%	+49.7%	+34.3%
Net Income	212.22M	408.04M	378.27M	318.93M	156.61M
Net Income to Common	155.98M	362.13M	378.27M	273.02M	156.61M
Net Income Growth	+35.5%	+22.7%	+24.9%	+24.6%	+111.0%
Income Tax Expense	20.47M	40.37M	37.57M	31.69M	11.39M
Effective Tax Rate	+8.8%	+9.0%	+9.0%	+9.0%	+6.8%
Per Share & Capital
EPS (Basic)	0.05	0.12	0.12	0.09	0.04
EPS (Diluted)	0.05	0.12	0.12	0.09	0.04
EPS Growth	+11.5%	+31.5%	+24.9%	+29.7%	+103.8%
Dividend Per Share	0.20	—	—	—	0.15
Shares Change (YoY)	-0.11	0	—	0	0.12
Shares Outstanding (Basic)	3.23B	3.06B	3.06B	3.06B	3.62B
Shares Outstanding (Diluted)	3.23B	3.06B	3.06B	3.06B	3.62B
Dividend Growth	+33.3%	—	—	—	+50.0%
Free Cash Flow	2.25B	-5.88B	3.78B	-4.87B	0.21B
Free Cash Flow Margin	+518.0%	-888.8%	+606.7%	-887.0%	+46.3%
Free Cash Flow Per Share	0.70	-1.92	1.24	-1.59	0.06
Payout Ratio	+26.5%	+11.3%	—	+158.2%	0.0%
Preferred Dividends & Other Adjustments	56.24M	45.91M	—	45.91M	0.00M

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
Operating Summary
Revenue	435.05M	662.03M	622.89M	548.93M	457.12M
Interest Income	1.02B	1.00B	0.97B	0.91B	1.00B
Interest Expense	589.11M	596.45M	585.48M	546.90M	597.69M
Pretax Income	232.70M	448.41M	415.83M	350.62M	168.00M
Income Tax	20.47M	40.37M	37.57M	31.69M	11.39M
Net Income	155.98M	362.13M	378.27M	273.02M	156.61M
Net Interest Income	426.68M	405.30M	382.72M	367.36M	401.47M
Non-Interest Income	213.45M	277.98M	248.08M	164.36M	165.42M
Non-Interest Expense	278.51M	213.62M	207.06M	198.31M	246.34M
Loan Loss Provisions	205.08M	21.25M	7.91M	-17.21M	109.77M
EPS (Basic)	0.05	0.12	0.12	0.09	0.04
EPS (Diluted)	0.05	0.12	0.12	0.09	0.04
Margins & Efficiency
Net Margin %	+35.9%	+54.7%	+60.7%	+49.7%	+34.3%
Revenue & Income
Revenue	435.05M	662.03M	622.89M	548.93M	457.12M
Revenue	435.05M	662.03M	622.89M	548.93M	457.12M
Revenue Growth (YoY)	-4.8%	+20.0%	+24.1%	+19.4%	-11.1%
Revenues Before Loan Losses	640.12M	683.28M	630.80M	531.73M	566.89M
Interest Income on Loans	1.02B	1.00B	0.97B	0.91B	1.00B
Net Interest Income	426.68M	405.30M	382.72M	367.36M	401.47M
Net Interest Income Growth (YoY)	+6.3%	+8.5%	+5.6%	-1.4%	+8.6%
Non-Interest Income Growth (YoY)	+29.0%	+31.3%	+53.3%	+24.3%	-14.0%
Total Non-Interest Income	213.45M	277.98M	248.08M	164.36M	165.42M
Other Non-Interest Income	186.84M	244.99M	247.26M	163.34M	165.03M
Gain (Loss) on Sale of Assets	26.60M	32.99M	0.82M	1.03M	0.39M
Gain (Loss) on Sale of Investments	—	—	—	—	—
Expenses & Provisions
Selling, General & Administrative	-354.36M	213.62M	207.06M	198.31M	-318.26M
Total Interest Expense	589.11M	596.45M	585.48M	546.90M	597.69M
Interest Paid on Deposits	589.11M	596.45M	585.48M	546.90M	597.69M
Total Non-Interest Expense	278.51M	213.62M	207.06M	198.31M	246.34M
Provision for Loan Losses	205.08M	21.25M	7.91M	-17.21M	109.77M
Salaries and Employee Benefits	571.55M	—	—	—	509.93M
Occupancy Expenses	61.31M	—	—	—	54.67M
Asset Writedown	76.15M	—	—	—	-42.77M
Profitability & Returns
EBT Excluding Unusual Items	156.54M	448.41M	415.83M	350.62M	210.77M
Pretax Income	232.70M	448.41M	415.83M	350.62M	168.00M
Profit Margin	+35.9%	+54.7%	+60.7%	+49.7%	+34.3%
Net Income	212.22M	408.04M	378.27M	318.93M	156.61M
Net Income to Common	155.98M	362.13M	378.27M	273.02M	156.61M
Net Income Growth	+35.5%	+22.7%	+24.9%	+24.6%	+111.0%
Income Tax Expense	20.47M	40.37M	37.57M	31.69M	11.39M
Effective Tax Rate	+8.8%	+9.0%	+9.0%	+9.0%	+6.8%
Per Share & Capital
EPS (Basic)	0.05	0.12	0.12	0.09	0.04
EPS (Diluted)	0.05	0.12	0.12	0.09	0.04
EPS Growth	+11.5%	+31.5%	+24.9%	+29.7%	+103.8%
Dividend Per Share	0.20	—	—	—	0.15
Shares Change (YoY)	-0.11	0	—	0	0.12
Shares Outstanding (Basic)	3.23B	3.06B	3.06B	3.06B	3.62B
Shares Outstanding (Diluted)	3.23B	3.06B	3.06B	3.06B	3.62B
Dividend Growth	+33.3%	—	—	—	+50.0%
Free Cash Flow	2.25B	-5.88B	3.78B	-4.87B	0.21B
Free Cash Flow Margin	+518.0%	-888.8%	+606.7%	-887.0%	+46.3%
Free Cash Flow Per Share	0.70	-1.92	1.24	-1.59	0.06
Payout Ratio	+26.5%	+11.3%	—	+158.2%	0.0%
Preferred Dividends & Other Adjustments	56.24M	45.91M	—	45.91M	0.00M