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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	2,453	2,373	2,085	1,762	1,137	1,008
Interest Paid on Deposits	1,704	1,695	1,656	1,538	767.12	706.83
Net Interest Income	748.88	678.17	429.01	223.92	369.42	301.1
Net Interest Income Growth (YoY)	54.59%	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	29.2	10.04	-66.46	-21.58	50.2
Other Non-Interest Income	199.04	228.55	183.04	210.99	302.03	218.4
Total Non-Interest Income	228.24	257.75	193.08	-54.62	280.45	268.6
Non-Interest Income Growth (YoY)	15.12%	33.50%	-	-	4.41%	-5.64%
Revenues Before Loan Losses	977.12	935.92	622.09	169.3	649.86	569.7
Provision for Loan Losses	43.09	49.65	44.38	-2.19	291.44	127.58
Revenue	934.04	886.28	577.7	171.49	358.42	442.12
Revenue Growth (YoY)	48.60%	53.41%	236.87%	-52.15%	-18.93%	303.03%
Salaries and Employee Benefits	171.65	159.49	136.94	179.62	161.53	152.9
Occupancy Expenses	21.53	21.74	21.07	23.58	31.87	29.62
Amortization of Goodwill & Intangibles	-	-	-	18.37	1.23	0.93
Other Non-Interest Expense	114.8	112.88	107.76	127.42	107.73	94.08
Total Non-Interest Expense	307.98	294.11	265.77	348.98	614.8	468.74
EBT Excluding Unusual Items	626.06	592.17	311.93	-177.49	-256.38	-26.62
Asset Writedown	212.95	210.63	104.43	-97.76	98.11	73.74
Pretax Income	839.01	802.8	416.36	-275.25	-158.26	47.11
Income Tax Expense	75.26	74.02	31.67	-	0.51	4.71
Earnings From Continuing Operations	763.75	728.78	384.69	-275.25	-158.77	42.41
Minority Interest in Earnings	0.5	0.62	-0.22	1.73	4.28	1.37
Net Income	764.25	729.4	384.47	-273.52	-154.49	43.78
Net Income to Common	764.25	729.4	384.47	-273.52	-154.49	43.78
Net Income Growth	81.90%	89.72%	-	-	-	-
Basic Shares Outstanding	3,029	3,000	3,000	2,616	2,200	2,200
Diluted Shares Outstanding	3,029	3,000	3,000	2,616	2,200	2,200
Shares Change (YoY)	1.73%	-	14.66%	18.93%	-	-
EPS (Basic)	0.25	0.24	0.13	-0.10	-0.07	0.02
EPS (Diluted)	0.25	0.24	0.13	-0.10	-0.07	0.02
EPS Growth	78.80%	89.71%	-	-	-	-
Dividend Per Share	0.065	0.065	-	-	-	-
Effective Tax Rate	8.97%	9.22%	7.61%	-	-	9.99%

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