Bank Of Sharjah P.J.S.C. (ADX:BOS)

Bank Of Sharjah P.J.S.C. Income Statement

Financials in millions AED. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	2,373	2,085	1,762	1,137	1,008
Interest Paid on Deposits	1,695	1,656	1,538	767.12	706.83
Net Interest Income	678.17	429.01	223.92	369.42	301.1
Net Interest Income Growth (YoY)	58.08%	91.59%	-39.38%	22.69%	-47.13%
Gain (Loss) on Sale of Assets	-	-	-199.15	-	-
Gain (Loss) on Sale of Investments	29.2	10.04	-66.46	-21.58	50.2
Other Non-Interest Income	228.55	183.04	210.99	302.03	218.4
Total Non-Interest Income	257.75	193.08	-54.62	280.45	268.6
Non-Interest Income Growth (YoY)	33.50%	-	-	4.41%	-5.64%
Revenues Before Loan Losses	935.92	622.09	169.3	649.86	569.7
Provision for Loan Losses	49.65	44.38	-2.19	291.44	127.58
Revenue	886.28	577.7	171.49	358.42	442.12
Revenue Growth (YoY)	53.41%	236.87%	-52.15%	-18.93%	303.03%
Salaries and Employee Benefits	159.49	136.94	179.62	161.53	152.9
Occupancy Expenses	21.74	21.07	23.58	31.87	29.62
Amortization of Goodwill & Intangibles	-	-	18.37	1.23	0.93
Other Non-Interest Expense	112.88	107.76	127.42	107.73	94.08
Total Non-Interest Expense	294.11	265.77	348.98	614.8	468.74
EBT Excluding Unusual Items	592.17	311.93	-177.49	-256.38	-26.62
Asset Writedown	210.63	104.43	-97.76	98.11	73.74
Pretax Income	802.8	416.36	-275.25	-158.26	47.11
Income Tax Expense	74.02	31.67	-	0.51	4.71
Earnings From Continuing Operations	728.78	384.69	-275.25	-158.77	42.41
Minority Interest in Earnings	0.62	-0.22	1.73	4.28	1.37
Net Income	729.4	384.47	-273.52	-154.49	43.78
Net Income to Common	729.4	384.47	-273.52	-154.49	43.78
Net Income Growth	89.72%	-	-	-	-
Basic Shares Outstanding	3,000	3,000	2,616	2,200	2,200
Diluted Shares Outstanding	3,000	3,000	2,616	2,200	2,200
Shares Change (YoY)	-	14.66%	18.93%	-	-
EPS (Basic)	0.24	0.13	-0.10	-0.07	0.02
EPS (Diluted)	0.24	0.13	-0.10	-0.07	0.02
EPS Growth	89.71%	-	-	-	-
Dividend Per Share	0.065	-	-	-	-
Effective Tax Rate	9.22%	7.61%	-	-	9.99%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.