Sharjah Islamic Bank PJSC Balance Sheet

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
Cash & Equivalents	8,877	10,437	4,894	7,051	10,546
Investment Securities	6,710	8,516	8,247	4,620	4,001
Trading Asset Securities	758.59	948.15	728.57	370.72	219.15
Total Investments	7,468	9,464	8,975	4,990	4,220
Gross Loans	49,656	41,218	36,063	33,484	31,422
Allowance for Loan Losses	-1,734	-1,745	-1,608	-1,537	-1,331
Other Adjustments to Gross Loans	-2,372	-1,390	-1,424	-1,275	-1,082
Net Loans	45,550	38,083	33,030	30,672	29,009
Property, Plant & Equipment	883.69	896.07	889.94	911.95	883.69
Other Intangible Assets	71.42	63	61.66	61.99	65.87
Investments in Real Estate	1,845	2,965	2,823	3,086	2,825
Other Receivables	7,743	5,375	7,610	5,261	2,453
Restricted Cash	4,375	2,041	1,829	2,282	1,776
Other Current Assets	2,514	1,094	1,095	946.09	924.09
Other Long-Term Assets	10,987	8,792	4,672	3,861	2,255
Total Assets	90,313	79,210	65,879	59,123	54,957
Accounts Payable	610.52	182.58	229.85	443.43	194.41
Accrued Expenses	146.14	124.13	93.88	62.21	51.52
Interest Bearing Deposits	41,326	38,225	32,429	35,014	32,475
Non-Interest Bearing Deposits	14,347	13,533	12,778	11,167	10,097
Total Deposits	55,673	51,758	45,207	46,181	42,572
Short-Term Borrowings	19.5	59.53	25.8	12.31	146.07
Current Portion of Long-Term Debt	-	1,836	-	1,836	-
Current Income Taxes Payable	237.77	186.84	66	80.69	71.1
Accrued Interest Payable	877.73	874.97	522.5	249.58	133.03
Other Current Liabilities	559.49	501.82	314.55	235.04	203.18
Long-Term Debt	21,779	14,657	10,863	1,834	3,667
Long-Term Leases	21.85	25.36	18.66	14.14	7.32
Pension & Post-Retirement Benefits	131.95	119.06	106.27	97.12	84.52
Long-Term Deferred Tax Liabilities	14.27	0.87	-	-	-
Other Long-Term Liabilities	712.29	580.66	315.22	444.97	131.91
Total Liabilities	80,783	70,907	57,762	51,490	47,262
Common Stock	3,236	3,236	3,236	3,082	3,082
Additional Paid-In Capital	99.58	-	-	-	-
Retained Earnings	4,376	3,772	1,357	3,020	2,789
Treasury Stock	-22.75	-393.24	-	-	-
Comprehensive Income & Other	1,841	1,689	3,524	1,531	1,824
Shareholders' Equity	9,530	8,303	8,117	7,632	7,695
Total Liabilities & Equity	90,313	79,210	65,879	59,123	54,957
Total Debt	21,820	16,578	10,907	3,696	3,821
Net Cash (Debt)	-12,185	-5,192	-5,285	3,725	6,944
Net Cash Growth	-	-	-	-46.36%	585.53%
Net Cash Per Share	-3.94	-1.62	-1.63	1.15	2.15
Filing Date Shares Outstanding	3,236	3,236	3,236	3,236	3,236
Total Common Shares Outstanding	3,236	3,236	3,236	3,236	3,236
Book Value Per Share	2.38	2.00	1.94	1.79	1.81
Tangible Book Value	9,459	8,240	8,055	7,570	7,629
Tangible Book Value Per Share	2.36	1.98	1.92	1.77	1.79

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