Sharjah Islamic Bank (SIB) delivered a strong financial and operational performance in 2025, supported by balanced growth across its core activities. Net profit after tax rose 26% year-on-year to AED1.32 billion, compared with AED1.05 billion in 2024.
Income from Islamic financing investments and sukuk increased by AED175 million, or 4.7%, to approximately AED3.9 billion, up from AED3.7 billion a year earlier. Distributions to depositors and sukuk holders reached AED2.3 billion, up from AED2.2 billion in 2024, reflecting the Bank’s ability to balance financing growth with competitive Shariah-compliant returns amid fluctuations in funding costs.
Deposits rise, liquidity remains strong
Customer deposits grew to AED55.7 billion from AED51.8 billion at the end of 2024, lifting the financing-to-deposit ratio to 81.8%, compared with 73.6% previously. Liquidity remained solid at 22.3% of total assets, equivalent to AED20.2 billion, up from 21.6% a year earlier.
In line with its focus on sustainable shareholder returns, the Board of Directors proposed increasing the cash dividend to 20%, from 15% in the previous year, subject to shareholders’ approval at the upcoming General Assembly. The Board also approved a proposal to increase the Bank’s capital, subject to regulatory and shareholder approvals, to strengthen its capital base, support future growth plans, and ensure continued compliance with regulatory requirements.
