Sharjah Islamic Bank PJSC (ADX:SIB)

Sharjah Islamic Bank PJSC Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	4,679	8,877	10,437	4,894	7,051	10,546
Investment Securities	15,207	6,710	8,516	8,247	4,620	4,001
Trading Asset Securities	670.39	758.59	948.15	728.57	370.72	219.15
Total Investments	15,878	7,468	9,464	8,975	4,990	4,220
Gross Loans	59,121	49,656	41,218	36,063	33,484	31,422
Allowance for Loan Losses	-1,637	-1,734	-1,745	-1,608	-1,537	-1,331
Other Adjustments to Gross Loans	-3,346	-2,372	-1,390	-1,424	-1,275	-1,082
Net Loans	54,138	45,550	38,083	33,030	30,672	29,009
Property, Plant & Equipment	907.89	883.69	896.07	889.94	911.95	883.69
Other Intangible Assets	73	71.42	63	61.66	61.99	65.87
Investments in Real Estate	1,685	1,845	2,965	2,823	3,086	2,825
Other Receivables	4,267	7,743	5,375	7,610	5,261	2,453
Restricted Cash	5,533	4,375	2,041	1,829	2,282	1,776
Other Current Assets	2,271	2,514	1,094	1,095	946.09	924.09
Other Long-Term Assets	10,223	10,987	8,792	4,672	3,861	2,255
Total Assets	99,668	90,313	79,210	65,879	59,123	54,957

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	470.09	610.52	182.58	229.85	443.43	194.41
Accrued Expenses	202.63	146.14	124.13	93.88	62.21	51.52
Interest Bearing Deposits	44,915	41,326	38,225	32,429	35,014	32,475
Non-Interest Bearing Deposits	15,441	14,347	13,533	12,778	11,167	10,097
Total Deposits	60,356	55,673	51,758	45,207	46,181	42,572
Short-Term Borrowings	92.54	19.5	59.53	25.8	12.31	146.07
Current Portion of Long-Term Debt	-	-	1,836	-	1,836	-
Current Income Taxes Payable	128.93	237.77	186.84	66	80.69	71.1
Accrued Interest Payable	594.75	877.73	874.97	522.5	249.58	133.03
Other Current Liabilities	582.12	559.49	501.82	314.55	235.04	203.18
Long-Term Debt	24,101	21,779	14,657	10,863	1,834	3,667
Long-Term Leases	20.87	21.85	25.36	18.66	14.14	7.32
Pension & Post-Retirement Benefits	143.68	131.95	119.06	106.27	97.12	84.52
Long-Term Deferred Tax Liabilities	-	14.27	0.87	-	-	-
Other Long-Term Liabilities	589.85	712.29	580.66	315.22	444.97	131.91
Total Liabilities	87,282	80,783	70,907	57,762	51,490	47,262

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	4,314	3,236	3,236	3,236	3,082	3,082
Additional Paid-In Capital	99.58	99.58	-	-	-	-
Retained Earnings	6,384	4,376	3,772	1,357	3,020	2,789
Treasury Stock	-13.47	-22.75	-393.24	-	-	-
Comprehensive Income & Other	1,601	1,841	1,689	3,524	1,531	1,824
Shareholders' Equity	12,385	9,530	8,303	8,117	7,632	7,695
Total Liabilities & Equity	99,668	90,313	79,210	65,879	59,123	54,957

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	24,214	21,820	16,578	10,907	3,696	3,821
Net Cash (Debt)	-10,965	-12,185	-5,192	-5,285	3,725	6,944
Net Cash Growth	-	-	-	-	-46.36%	585.53%
Net Cash Per Share	-3.54	-3.94	-1.62	-1.63	1.15	2.15
Filing Date Shares Outstanding	4,310	3,236	3,236	3,236	3,236	3,236
Total Common Shares Outstanding	4,310	3,236	3,236	3,236	3,236	3,236
Book Value Per Share	2.45	2.38	2.00	1.94	1.79	1.81
Tangible Book Value	12,312	9,459	8,240	8,055	7,570	7,629
Tangible Book Value Per Share	2.43	2.36	1.98	1.92	1.77	1.79

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 26, 2026

Data Sources Report a data error