Sharjah Islamic Bank PJSC Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,900	3,725	3,089	1,939	1,658
Interest Paid on Deposits	2,318	2,215	1,636	725.3	563.27
Total Interest Expense	2,318	2,215	1,636	725.3	563.27
Net Interest Income	1,582	1,510	1,453	1,213	1,094
Net Interest Income Growth (YoY)	4.78%	3.92%	19.75%	10.88%	12.36%
Gain (Loss) on Sale of Assets	61.44	28.41	15.67	24.87	18.84
Other Non-Interest Income	842.43	642.84	506.39	370.88	314.32
Total Non-Interest Income	903.87	671.25	522.06	395.76	333.16
Non-Interest Income Growth (YoY)	34.65%	28.58%	31.91%	18.79%	16.81%
Revenues Before Loan Losses	2,486	2,181	1,975	1,609	1,427
Provision for Loan Losses	217.02	210.41	220.61	313.77	244.55
Revenue	2,269	1,971	1,754	1,295	1,183
Revenue Growth (YoY)	15.13%	12.33%	35.44%	9.51%	17.90%
Salaries and Employee Benefits	571.55	509.93	450.51	414.24	397.22
Occupancy Expenses	61.31	54.67	52.48	51.84	49.99
Selling, General & Administrative	264.63	214.51	191.47	144.75	129.57
Total Non-Interest Expense	897.49	779.11	694.45	610.82	576.78
EBT Excluding Unusual Items	1,371	1,192	1,060	684.53	606.12
Asset Writedown	76.15	-42.77	-218.42	-33.62	-92.05
Pretax Income	1,448	1,149	841.54	650.91	514.07
Income Tax Expense	130.1	100.96	-	-	-
Net Income	1,317	1,048	841.54	650.91	514.07
Preferred Dividends & Other Adjustments	148.07	91.83	91.83	-	-
Net Income to Common	1,169	956.06	749.72	650.91	514.07
Net Income Growth	25.73%	24.52%	29.29%	26.62%	26.67%
Basic Shares Outstanding	3,095	3,200	3,236	3,236	3,236
Diluted Shares Outstanding	3,095	3,200	3,236	3,236	3,236
Shares Change (YoY)	-3.26%	-1.11%	-	-	-
EPS (Basic)	0.38	0.30	0.23	0.20	0.16
EPS (Diluted)	0.38	0.30	0.23	0.20	0.16
EPS Growth	26.44%	29.91%	14.33%	26.62%	26.67%
Dividend Per Share	0.200	0.150	0.100	0.095	0.076
Dividend Growth	33.33%	50.00%	5.04%	24.93%	-
Effective Tax Rate	8.99%	8.79%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.