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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Income	1,379	1,317	1,048	841.54	650.91	514.07
Depreciation & Amortization	53.72	54.09	57.05	57.12	51.84	49.99
Other Amortization	14.56	14.56	1.08	1.68	2.28	2.92
Gain (Loss) on Sale of Assets	-84.08	-73.36	-25.98	-18.74	-24.97	-19.22
Gain (Loss) on Sale of Investments	90.57	55.5	-52.03	26.05	28.07	60.2
Total Asset Writedown	-64.24	-64.24	40.34	221.5	35.04	107.51
Provision for Credit Losses	187.95	192.36	228.03	182.08	277.35	172.79
Change in Other Net Operating Assets	-12,493	-6,124	525.28	-1,773	-2,202	-808.61
Other Operating Activities	-28.75	-32.02	54.24	-69.04	17.31	-
Operating Cash Flow	-10,944	-4,660	1,876	-531.03	-1,164	79.64
Capital Expenditures	-43.58	-60.76	-55.72	-34.81	-76.31	-229.61
Sale of Property, Plant and Equipment	19.75	19.08	0.65	0.03	0.12	57.6
Investment in Securities	-277.14	-122	-4,099	-4,908	-2,530	1,301
Purchase / Sale of Intangibles	-16.93	-20.06	-9.08	-	-	-
Other Investing Activities	50.37	50.37	48.9	60.87	-	-
Investing Cash Flow	-212.72	-83.03	-4,488	-4,828	-2,554	1,183
Long-Term Debt Issued	-	3,662	1,824	-	-	-
Long-Term Debt Repaid	-	-1,837	-	-1,837	-	-1,836
Net Debt Issued (Repaid)	-2.67	1,826	1,824	-1,837	-	-1,836
Issuance of Common Stock	2,319	2,307	-	-	-	-
Repurchase of Common Stock	-1,819	-1,837	-	-	-	-
Common Dividends Paid	-749.29	-606.79	-415.39	-399.99	-338.35	-338.35
Net Increase (Decrease) in Deposit Accounts	9,291	3,914	6,552	5,677	1,036	4,885
Other Financing Activities	-93.98	-91.98	-459.24	-80.69	-64.45	-
Financing Cash Flow	8,945	5,512	7,501	3,360	632.71	2,711
Net Cash Flow	-2,211	768.78	4,889	-1,999	-3,085	3,973
Free Cash Flow	-10,987	-4,721	1,820	-565.84	-1,241	-149.97
Free Cash Flow Margin	-463.05%	-208.06%	92.36%	-32.25%	-95.78%	-12.68%
Free Cash Flow Per Share	-3.55	-1.52	0.57	-0.17	-0.38	-0.05
Cash Income Tax Paid	102.5	102.5	-	-	-	-

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