Sharjah Islamic Bank 2025 Net Profit Rises To AED 1.32 Billion
Sharjah Islamic Bank reported higher earnings and stable operations in 2025, supported by broad-based growth. Net profit after tax reached AED1.32 billion, up from AED1.05 billion in 2024. The improvement came alongside rising customer deposits, healthy liquidity levels and Board proposals on dividends and capital strength.
The Board approved a capital increase proposal, which still requires regulatory clearances and shareholder consent. The plan allows existing shareholders to subscribe to new shares. It is designed to reinforce the Bank’s capital base, back future expansion plans, and support continued compliance with supervisory requirements while targeting durable returns.
In line with this capital strategy, the Board proposed a higher cash dividend distribution for 2025. The recommended payout stands at 20%, compared with 15% for the previous year. The proposal will be presented to shareholders at the upcoming General Assembly, reflecting a focus on sustainable shareholder returns over time.
The 2025 profit rise was driven by stronger core income from Islamic financing investments and sukuk. That income increased by AED175.0 million, or 4.7%, reaching about AED3.9 billion, versus AED3.7 billion in 2024. Distributions to depositors and sukuk holders reached AED2.3 billion, up from AED2.2 billion, indicating balanced Shariah-compliant returns.
Customer deposits climbed to AED55.7 billion, compared with AED51.8 billion at the end of 2024. This produced a financing-to-deposit ratio of 81.8%, versus 73.6% a year earlier. Liquidity also remained strong, with liquid assets at 22.3% of total assets, or AED20.2 billion, against 21.6% previously.
Key 2025 indicators for Sharjah Islamic Bank are shown below.
| Metric | 2025 | 2024 |
|---|---|---|
| Net profit after tax | AED1.32 billion | AED1.05 billion |
| Income from Islamic financing investments and sukuk | AED3.9 billion | AED3.7 billion |
| Distributions to depositors and sukuk holders | AED2.3 billion | AED2.2 billion |
| Customer deposits | AED55.7 billion | AED51.8 billion |
| Financing-to-deposit ratio | 81.8% | 73.6% |
| Liquidity ratio (of total assets) | 22.3% (AED20.2 billion) | 21.6% |
The 2025 performance shows Sharjah Islamic Bank balancing growth in financing with stable, Shariah-compliant returns. Rising profits, larger deposits, strong liquidity and the proposed capital increase indicate a focus on long-term resilience. These elements together support the Bank’s strategy to maintain stable income and ongoing regulatory alignment.
With inputs from WAM
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