Cash flow Sharjah Islamic Bank

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SIB

AES000201013

Banks

Market Closed - Abu Dhabi Securities Exchange Other stock markets 14:55:00 17/07/2026 +04			5-day change	1st Jan Change
2.900 ^AED	-0.34%		-2.03%	-7.05%

07-15	Emirati Equities Close Mixed as US Inflation Cools	MT
07-15	Sharjah Islamic Bank Maintained at Buy as FAB Notes Q2 Results	MT

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Published financial data: SHARJAH ISLAMIC BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.66B	1.94B	3.09B	3.73B	3.9B
Interest Income, Total	1.66B	1.94B	3.09B	3.73B	3.9B
Interest On Deposits	563M	725M	1.64B	2.22B	2.32B
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	563M	725M	1.64B	2.22B	2.32B
Net Interest Income	1.09B	1.21B	1.45B	1.51B	1.58B
Gain (Loss) on Sale of Assets	22.96M	24.87M	15.67M	28.41M	61.44M
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-	-
Total Other Non Interest Income	310M	371M	506M	643M	842M
Non Interest Income, Total	333M	396M	522M	671M	904M
Revenues Before Provison For Loan Losses	1.43B	1.61B	1.98B	2.18B	2.49B
Provision For Loan Losses	245M	314M	221M	210M	217M
Total Revenues	1.18B	1.3B	1.75B	1.97B	2.27B
Salaries And Other Employee Benefits	397M	414M	451M	510M	572M
Occupancy Expense	49.99M	51.84M	52.48M	54.67M	61.31M
Selling General & Admin Expenses, Total	130M	145M	181M	215M	265M
Non Interest Expense, Total	577M	611M	684M	779M	897M
EBT, Excl. Unusual Items	606M	685M	1.07B	1.19B	1.37B
Asset Writedown	-92.05M	-33.62M	-218M	-42.77M	76.15M
EBT, Incl. Unusual Items	514M	651M	852M	1.15B	1.45B
Income Tax Expense	-	-	-	101M	130M
Earnings From Continuing Operations	514M	651M	852M	1.05B	1.32B
Net Income to Company	514M	651M	852M	1.05B	1.32B
Net Income - (IS)	514M	651M	852M	1.05B	1.32B
Preferred Dividend and Other Adjustments	-	-	-	91.82M	148M
Net Income to Common Incl Extra Items	514M	651M	852M	956M	1.17B
Net Income to Common Excl. Extra Items	514M	651M	852M	956M	1.17B
Per Share Items
Net EPS - Basic	0.16	0.2	0.26	0.3	0.38
Basic EPS - Continuing Operations	0.16	0.2	0.26	0.3	0.38
Basic Weighted Average Shares Outstanding	3.24B	3.24B	3.24B	3.2B	3.1B
Net EPS - Diluted	0.16	0.2	0.26	0.3	0.38
Diluted EPS - Continuing Operations	0.16	0.2	0.26	0.3	0.38
Diluted Weighted Average Shares Outstanding	3.24B	3.24B	3.24B	3.2B	3.1B
Normalized Basic EPS	0.12	0.13	0.21	0.23	0.28
Normalized Diluted EPS	0.12	0.13	0.21	0.23	0.28
Dividend Per Share	0.08	0.1	0.1	0.15	0.2
Payout Ratio	65.82	51.98	46.97	39.64	46.06
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	8.79	8.99
Total Current Taxes	-	-	-	101M	130M
Normalized Net Income	379M	428M	669M	745M	857M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	10.55B	7.05B	4.89B	10.44B	8.88B
Investment Securities, Total	4B	4.62B	8.25B	8.52B	6.71B
Trading Asset Securities, Total	219M	371M	729M	948M	759M
Total investments	4.22B	4.99B	8.98B	9.46B	7.47B
Gross Loans	31.42B	33.48B	36.06B	40.79B	49.66B
Allowance For Loan Losses	-1.33B	-1.54B	-1.61B	-1.71B	-1.73B
Other Adjustments to Gross Loans	-1.08B	-1.28B	-1.42B	-1.39B	-2.37B
Net Loans	29.01B	30.67B	33.03B	37.69B	45.55B
Gross Property Plant And Equipment	1.36B	1.28B	1.3B	1.34B	1.36B
Accumulated Depreciation	-411M	-371M	-405M	-444M	-477M
Net Property Plant And Equipment	950M	912M	890M	896M	884M
Other Intangibles, Total	-	61.99M	61.66M	63M	71.42M
Investment in Real Estate	2.83B	3.09B	2.82B	2.96B	1.84B
Loans Held For Sale	47.91M	-	-	-	-
Other Receivables	2.45B	5.26B	7.61B	5.34B	7.74B
Restricted Cash	1.78B	2.28B	1.83B	2.04B	4.37B
Other Current Assets, Total	876M	946M	829M	1.52B	2.51B
Other Long-Term Assets, Total	2.25B	3.86B	4.94B	8.79B	10.99B
Total Assets	54.96B	59.12B	65.88B	79.21B	90.31B
Liabilities
Accounts Payable, Total	77.09M	715M	245M	299M	611M
Accrued Expenses, Total	51.52M	62.21M	83.88M	124M	146M
Interest Bearing Deposits	32.47B	35.01B	41.46B	38.22B	41.33B
Non-Interest Bearing Deposits	10.1B	11.17B	12.78B	13.53B	14.35B
Total Deposits	42.57B	46.18B	54.23B	51.76B	55.67B
Short-Term Borrowings	146M	12.31M	25.8M	59.53M	19.5M
Current Portion of Long-Term Debt	-	1.84B	-	1.84B	-
Long-Term Debt	3.67B	1.83B	1.83B	14.66B	21.78B
Long-Term Leases	7.32M	14.14M	18.66M	25.36M	21.85M
Current Income Taxes Payable	71.1M	80.69M	66M	187M	238M
Accrued Interest Payable	133M	250M	522M	875M	878M
Other Current Liabilities - (Bank / Utility Template)	203M	235M	315M	502M	559M
Pension & Other Post Retirement Benefits	84.52M	97.12M	106M	119M	132M
Deferred Tax Liability Non-Current	-	-	-	872K	14.27M
Other Non Current Liabilities	249M	173M	300M	465M	712M
Total Liabilities	47.26B	51.49B	57.75B	70.91B	80.78B
Common Stock, Total	3.08B	3.08B	3.24B	3.24B	3.24B
Additional Paid In Capital	-	-	-	-	99.58M
Retained Earnings	2.79B	3.02B	3.24B	1.87B	4.38B
Treasury Stock	-	-	-	-	-22.75M
Comprehensive Income and Other	1.82B	1.53B	1.65B	3.2B	1.84B
Total Common Equity	7.69B	7.63B	8.13B	8.3B	9.53B
Total Equity	7.69B	7.63B	8.13B	8.3B	9.53B
Total Liabilities And Equity	54.96B	59.12B	65.88B	79.21B	90.31B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.24B	3.24B	3.24B	3.24B	3.24B
ECS Total Common Shares Outstanding	3.24B	3.24B	3.24B	3.24B	3.24B
Book Value / Share	1.81	1.79	1.94	2	2.38
Tangible Book Value	7.69B	7.57B	8.07B	8.24B	9.46B
Tangible Book Value Per Share	1.81	1.77	1.92	1.98	2.36
Total Debt	3.82B	3.7B	1.88B	16.58B	21.82B
Deposits at Interest - Cash	9.62B	6.7B	5.09B	9.88B	8.36B
Net Debt	-6.94B	-3.73B	-3.74B	5.19B	12.18B
Number Of Offices	35	34	32	33	34

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	514M	651M	852M	1.05B	1.32B
Depreciation, Depletion & Amortization	49.99M	41.25M	47.29M	49.3M	54.09M
Total Depreciation, Depletion & Amortization	49.99M	41.25M	47.29M	49.3M	54.09M
Amortization of Deferred Charges, Total	2.92M	12.86M	11.5M	8.83M	14.56M
(Gain) Loss On Sale of Asset - (CF)	-19.22M	-24.97M	-18.42M	-25.98M	-73.36M
(Gain) Loss on Sale of Investments - (CF)	60.2M	27.38M	25.73M	-52.03M	55.5M
Total Asset Writedown	108M	35.74M	221M	40.34M	-64.24M
Provision for Credit Losses	173M	277M	182M	228M	192M
Change in Other Net Operating Assets (Collected)	-809M	-2.28B	-1.33B	525M	-6.12B
Other Operating Activities	-	17.3M	-8.17M	54.24M	-32.02M
Cash from Operations	79.64M	-1.24B	-16.52M	1.88B	-4.66B
Capital Expenditure	-230M	-96.72M	-34.81M	-64.8M	-60.76M
Sale of Property, Plant, and Equipment	57.6M	30.66M	25K	653K	19.08M
Purchase / Sale of Intangible Assets	-	-	-	-	-20.06M
Sale (Purchase) of Real Estate Properties (Collected)	53.93M	52.48M	53.64M	-374M	50.34M
Investment in Marketable and Equity Securities, Total	1.3B	-2.53B	-4.91B	-4.1B	-122M
Other Investing Activities, Total	-	-	-	48.9M	50.37M
Cash from Investing	1.18B	-2.54B	-4.89B	-4.49B	-83.03M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	-	-	-	1.82B	3.66B
Total Debt Issued	-	-	-	1.82B	3.66B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-1.84B	-	-1.84B	-	-1.84B
Total Debt Repaid	-1.84B	-	-1.84B	-	-1.84B
Issuance of Common Stock	-	-	-	-	2.31B
Repurchase of Common Stock	-	-	-	-393M	-1.84B
Common Dividends Paid	-338M	-338M	-400M	-415M	-607M
Common & Preferred Stock Dividends Paid	-338M	-338M	-400M	-415M	-607M
Net Increase (Decrease) in Deposit Accounts - (CF)	4.89B	1.04B	5.68B	6.55B	3.91B
Other Financing Activities, Total	-	-	-80.69M	-66M	-91.98M
Cash from Financing	2.71B	697M	3.36B	7.5B	5.51B
Net Change in Cash	3.97B	-3.09B	-1.55B	4.89B	769M
Supplemental Items
Cash Income Tax Paid (Refund)	-	-	-	-	103M
Net Debt Issued / Repaid	-1.84B	-	-1.84B	1.82B	1.83B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.95	1.14	1.36	1.44	1.55
Return On Equity %	6.7	8.49	10.81	12.76	14.78
Return on Common Equity	6.7	8.49	10.81	11.64	13.11
Shareholders Value Added	-406M	-269M	-94M	62.69M	247M
Margin Analysis
SG&A Margin	48.76	47.15	39.01	39.53	39.56
Net Interest Income / Total Revenues %	92.51	93.67	82.82	76.62	69.73
EBT Excl. Non-Recurring Items Margin %	51.24	52.84	60.99	60.47	60.44
Income From Continuing Operations Margin %	43.46	50.25	48.54	53.17	58.07
Net Income Margin %	43.46	50.25	48.54	53.17	58.07
Net Avail. For Common Margin %	43.46	50.25	48.54	48.51	51.54
Normalized Net Income Margin	32.03	33.03	38.12	37.79	37.78
Asset quality
Nonperforming Loans / Total Loans %	4.64	5.81	5.25	4.67	3.58
Nonperforming Loans / Total Assets %	2.65	3.29	2.87	2.41	1.97
Nonperforming Assets / Total Assets %	2.65	3.29	2.87	2.41	1.97
NPAs / Loans and OREO	4.64	5.81	5.25	4.67	3.58
NPAs / Equity	18.95	25.47	23.28	22.95	18.67
Allowance for Credit Losses / Net Charge-offs %	1.13K	2.52K	1.79K	21.92K	1.18K
Allowance for Credit Losses / Nonperforming Loans %	91.29	79.09	85.02	89.9	97.48
Allowance for Credit Losses / Total Loans %	4.24	4.59	4.46	4.2	3.49
Provision for Loan Losses / Net Charge-offs %	206.79	514.28	245.35	2.69K	147.33
Capital And Funding
Total Average Common Equity / Total Average Assets %	14.13	13.44	12.61	11.32	10.52
Total Average Equity / Total Average Assets %	14.13	13.44	12.61	11.32	10.52
Total Equity + Allowance for Loan Losses / Total Loans %	28.72	27.39	26.99	24.56	22.68
Gross Loans / Total Deposits %	73.81	72.51	66.49	78.81	89.19
Net Loans / Total Deposits %	68.14	66.42	60.9	72.81	81.82
Tier 1 Capital Ratio %	19.67	17.92	17.71	16.06	16.22
Total Capital Ratio %	20.84	19.09	18.87	17.09	17.3
Core Tier 1 Capital Ratio	14.85	13.45	13.64	12.43	13.01
Tier 2 Capital Ratio	1.17	1.17	1.16	1.03	1.08
Coverage Ratio	91.29	79.09	85.02	89.9	97.48
Interbank Ratio	287.7	173.11	126.18	117.13	100.65
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	1.91	1.9	1.52	1.52	1.62
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.36	10.88	19.75	3.92	4.78
Non Interest Income, 1 Yr. Growth %	16.81	18.79	31.91	28.58	34.65
Provision For Loan Losses, 1 Yr. Growth %	-4.42	28.31	-29.69	-4.62	3.14
Total Revenues, 1 Yr. Growth %	17.9	9.51	35.44	12.33	15.13
Earnings From Cont. Operations, 1 Yr. Growth %	26.67	26.62	30.82	24.52	25.73
Net Income, 1 Yr. Growth %	26.67	26.62	30.82	24.52	25.73
Normalized Net Income, 1 Yr. Growth %	37.18	12.94	56.31	12.42	15.09
Diluted EPS Before Extra, 1 Yr. Growth %	26.67	26.62	30.82	29.91	26.44
Dividend Per Share, 1 Yr. Growth %	0	24.93	5.04	50	33.33
Gross Loans, 1 Yr. Growth %	-0.45	6.56	7.7	13.11	20.47
Allowance For Loan Losses, 1 Yr. Growth %	3.37	15.49	4.61	6.5	-0.63
Net Loans, 1 Yr. Growth %	-0.89	5.73	7.69	14.1	19.61
Non Performing Loans, 1 Yr. Growth %	-2.37	33.3	-2.69	0.72	-7.97
Non Performing Assets, 1 Yr. Growth %	-2.37	33.3	-2.69	0.72	-7.97
Total Assets, 1 Yr. Growth %	2.53	7.58	11.43	20.24	14.02
Total Deposits, 1 Yr Growth %	7.59	8.48	17.44	14.49	7.56
Tangible Book Value, 1 Yr. Growth %	0.65	-0.77	6.53	2.3	14.79
Common Equity, 1 Yr. Growth %	0.65	-0.81	6.48	2.3	14.77
Total Equity, 1 Yr. Growth %	0.65	-0.81	6.48	2.3	14.77
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	10.41	11.62	15.23	11.55	4.35
Non Interest Income, 2 Yr. CAGR %	0.5	17.8	25.18	30.24	31.58
Provision For Loan Losses, 2 Yr. CAGR %	58.97	10.74	-5.02	-18.11	-0.82
Total Revenues, 2 Yr. CAGR %	2.28	13.63	21.78	23.34	13.72
Earnings From Cont. Operations, 2 Yr. CAGR %	-2.93	26.64	28.7	26.88	25.12
Net Income, 2 Yr. CAGR %	-2.93	26.64	28.7	26.88	25.12
Normalized Net Income, 2 Yr. CAGR %	5.43	24.47	32.86	31.94	13.75
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.93	26.64	28.7	21.87	28.16
Dividend Per Share, 2 Yr. CAGR %	29.7	11.77	14.56	25.52	41.42
Gross Loans, 2 Yr. CAGR %	7.72	3	7.13	10.37	17.34
Allowance For Loan Losses, 2 Yr. CAGR %	9.1	9.26	9.92	5.55	3.84
Net Loans, 2 Yr. CAGR %	7.41	2.37	6.71	10.85	17.43
Non Performing Loans, 2 Yr. CAGR %	3.91	14.08	13.89	-1	-3.02
Non Performing Assets, 2 Yr. CAGR %	3.91	14.08	13.89	-1	-3.02
Total Assets, 2 Yr. CAGR %	8.84	5.02	9.49	15.75	17.09
Total Deposits, 2 Yr CAGR %	15.07	8.03	12.87	5.87	10.97
Tangible Book Value, 2 Yr. CAGR %	1.09	-0.49	2.82	4.33	8.36
Common Equity, 2 Yr. CAGR %	1.09	-0.08	2.77	4.3	8.36
Total Equity, 2 Yr. CAGR %	1.09	-0.08	2.77	4.3	8.36
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.13	10.57	14.26	11.33	9.25
Non Interest Income, 3 Yr. CAGR %	1.57	6.26	22.33	26.3	31.69
Provision For Loan Losses, 3 Yr. CAGR %	88.06	48.01	-4.82	-4.89	-11.56
Total Revenues, 3 Yr. CAGR %	1.04	4.64	20.48	18.55	20.54
Earnings From Cont. Operations, 3 Yr. CAGR %	0.24	6.06	28.02	26.79	26.49
Net Income, 3 Yr. CAGR %	0.24	6.06	28.02	26.79	26.49
Normalized Net Income, 3 Yr. CAGR %	4.41	7.88	34.29	25.27	26.06
Diluted EPS Before Extra, 3 Yr. CAGR %	1	6.06	28.02	23.44	23.38
Dividend Per Share, 3 Yr. CAGR %	1.63	28.09	9.48	25.33	28.08
Gross Loans, 3 Yr. CAGR %	6.18	7.33	4.54	9.09	14.04
Allowance For Loan Losses, 3 Yr. CAGR %	-2.96	11.19	7.69	8.76	4.1
Net Loans, 3 Yr. CAGR %	6.34	6.85	4.11	9.12	14.09
Non Performing Loans, 3 Yr. CAGR %	1.35	12.91	8.19	9.32	-2.91
Non Performing Assets, 3 Yr. CAGR %	1.35	12.91	8.19	9.32	-2.91
Total Assets, 3 Yr. CAGR %	7.09	8.42	7.12	12.96	15.17
Total Deposits, 3 Yr CAGR %	9.5	12.83	11.08	6.73	6.43
Tangible Book Value, 3 Yr. CAGR %	12.62	0.18	1.8	2.6	7.71
Common Equity, 3 Yr. CAGR %	12.62	0.45	2.06	2.57	7.68
Total Equity, 3 Yr. CAGR %	12.62	0.45	2.06	2.57	7.68
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	17.81	13.79	10.92	10.96	10.19
Non Interest Income, 5 Yr. CAGR %	-11.74	-5.93	10.42	15.27	25.95
Provision For Loan Losses, 5 Yr. CAGR %	1.46	16.09	43.1	16.81	-3.24
Total Revenues, 5 Yr. CAGR %	6.17	4.81	8.88	11.75	17.73
Earnings From Cont. Operations, 5 Yr. CAGR %	2.12	6.38	10.78	13.95	26.55
Net Income, 5 Yr. CAGR %	2.12	6.38	10.78	13.95	26.55
Normalized Net Income, 5 Yr. CAGR %	9.06	7.65	14.98	16.92	25.42
Diluted EPS Before Extra, 5 Yr. CAGR %	0.6	6.75	11.28	12.13	24.67
Dividend Per Share, 5 Yr. CAGR %	-	5.57	6.61	27.06	21.29
Gross Loans, 5 Yr. CAGR %	11.15	7.31	6.56	8.54	9.49
Allowance For Loan Losses, 5 Yr. CAGR %	5.59	6.17	2	8.9	6.13
Net Loans, 5 Yr. CAGR %	11.16	7.16	6.49	8.43	9.25
Non Performing Loans, 5 Yr. CAGR %	5.95	-	6.19	7.12	3.56
Non Performing Assets, 5 Yr. CAGR %	5.95	-	6.19	7.12	3.56
Total Assets, 5 Yr. CAGR %	10.38	9.08	8.04	11.29	11
Total Deposits, 5 Yr CAGR %	13.94	11.84	10.83	9.99	7.07
Tangible Book Value, 5 Yr. CAGR %	9.64	6.52	8.4	1.82	4.35
Common Equity, 5 Yr. CAGR %	9.64	6.7	8.57	1.98	4.51
Total Equity, 5 Yr. CAGR %	9.64	6.7	8.57	1.98	4.51