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	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,324	2,085	1,762	1,137	1,008	1,431
Interest Paid on Deposits	1,702	1,656	1,538	767.12	706.83	861.28
Net Interest Income	621.87	429.01	223.92	369.42	301.1	569.5
Net Interest Income Growth (YoY)	66.43%	91.59%	-39.38%	22.69%	-47.13%	37.01%
Gain (Loss) on Sale of Assets	-	-	-199.15	-	-	-
Gain (Loss) on Sale of Investments	23.42	0.48	-66.46	-21.58	50.2	-37.95
Other Non-Interest Income	204.55	192.6	210.99	302.03	218.4	322.61
Total Non-Interest Income	227.97	193.08	-54.62	280.45	268.6	284.66
Non-Interest Income Growth (YoY)	51.28%	-	-	4.41%	-5.64%	22.11%
Revenues Before Loan Losses	849.85	622.09	169.3	649.86	569.7	854.16
Provision for Loan Losses	72.98	44.38	-2.19	291.44	127.58	744.46
Revenue	776.87	577.7	171.49	358.42	442.12	109.7
Revenue Growth (YoY)	45.49%	236.87%	-52.15%	-18.93%	303.03%	-47.80%
Salaries and Employee Benefits	164.57	136.94	179.62	161.53	152.9	217.74
Occupancy Expenses	18.84	21.07	23.58	31.87	29.62	65.22
Amortization of Goodwill & Intangibles	-	-	18.37	1.23	0.93	4.4
Other Non-Interest Expense	118.13	107.76	127.42	107.73	94.08	118.1
Total Non-Interest Expense	301.53	265.77	348.98	614.8	468.74	982.5
EBT Excluding Unusual Items	475.33	311.93	-177.49	-256.38	-26.62	-872.8
Asset Writedown	101.04	104.43	-97.76	98.11	73.74	-191.19
Other Unusual Items	-	-	-	-	-	449.34
Pretax Income	576.38	416.36	-275.25	-158.26	47.11	-614.65
Income Tax Expense	52.67	31.67	-	0.51	4.71	51.75
Earnings From Continuing Operations	523.71	384.69	-275.25	-158.77	42.41	-666.4
Minority Interest in Earnings	-0.24	-0.22	1.73	4.28	1.37	11.51
Net Income	523.47	384.47	-273.52	-154.49	43.78	-654.88
Net Income to Common	523.47	384.47	-273.52	-154.49	43.78	-654.88
Net Income Growth	262.70%	-	-	-	-	-
Basic Shares Outstanding	3,000	3,000	2,616	2,200	2,200	2,200
Diluted Shares Outstanding	3,000	3,000	2,616	2,200	2,200	2,200
Shares Change (YoY)	-0.08%	14.66%	18.93%	-	-	0.00%
EPS (Basic)	0.17	0.13	-0.10	-0.07	0.02	-0.30
EPS (Diluted)	0.17	0.13	-0.10	-0.07	0.02	-0.30
EPS Growth	263.00%	-	-	-	-	-
Effective Tax Rate	9.14%	7.61%	-	-	9.99%	-

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