Sharjah Islamic Bank PJSC Cash Flow Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	1,262	1,048	841.54	650.91	514.07	405.83	Upgrade
Depreciation & Amortization	71.19	49.3	57.12	51.84	49.99	49.88	Upgrade
Other Amortization	9.65	8.83	1.68	2.28	2.92	-2.39	Upgrade
Gain (Loss) on Sale of Assets	-32.79	-25.98	-18.74	-24.97	-19.22	-10.29	Upgrade
Gain (Loss) on Sale of Investments	37.34	-52.03	26.05	28.07	60.2	-0.71	Upgrade
Total Asset Writedown	40.34	40.34	221.5	35.04	107.51	37.45	Upgrade
Provision for Credit Losses	101.26	228.03	182.08	277.35	172.79	250.93	Upgrade
Change in Other Net Operating Assets	-8,140	525.28	-1,773	-2,202	-808.61	-4,216	Upgrade
Other Operating Activities	-30.59	54.24	-69.04	17.31	-	-	Upgrade
Operating Cash Flow	-6,682	1,876	-531.03	-1,164	79.64	-3,485	Upgrade
Capital Expenditures	-90.07	-64.8	-34.81	-76.31	-229.61	-232.51	Upgrade
Sale of Property, Plant and Equipment	18.87	0.65	0.03	0.12	57.6	76.65	Upgrade
Investment in Securities	-1,289	-4,099	-4,908	-2,530	1,301	-1,899	Upgrade
Other Investing Activities	48.9	48.9	60.87	-	-	-	Upgrade
Investing Cash Flow	-1,551	-4,488	-4,828	-2,554	1,183	-2,234	Upgrade
Long-Term Debt Issued	-	1,824	-	-	-	1,837	Upgrade
Long-Term Debt Repaid	-	-	-1,837	-	-1,836	-1,837	Upgrade
Net Debt Issued (Repaid)	-7.68	1,824	-1,837	-	-1,836	-	Upgrade
Issuance of Common Stock	1,842	-	-	-	-	-	Upgrade
Repurchase of Common Stock	-2,230	-393.24	-	-	-	-	Upgrade
Common Dividends Paid	-550.55	-415.39	-399.99	-338.35	-338.35	-238.57	Upgrade
Net Increase (Decrease) in Deposit Accounts	6,578	6,552	5,677	1,036	4,885	6,295	Upgrade
Other Financing Activities	-88.02	-66	-80.69	-64.45	-	-	Upgrade
Financing Cash Flow	5,544	7,501	3,360	632.71	2,711	6,057	Upgrade
Net Cash Flow	-2,688	4,889	-1,999	-3,085	3,973	338.13	Upgrade
Free Cash Flow	-6,772	1,811	-565.84	-1,241	-149.97	-3,717	Upgrade
Free Cash Flow Margin	-295.58%	91.90%	-32.25%	-95.78%	-12.68%	-370.52%	Upgrade
Free Cash Flow Per Share	-2.12	0.57	-0.17	-0.38	-0.05	-1.15	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.