Banking: 60%
Real Estate: 25%
Investments: 15%

Top 3 Markets:

1. United Arab Emirates: 70%
2. Saudi Arabia: 15%
3. Kuwait: 10%

Sharjah Islamic Bank PJSC generates the majority of its revenues from banking, which is typical for a bank specializing in Islamic financial services. The real estate sector also contributes significantly to the income, attributed to investments in real estate projects. The rest of the revenues come from various investments.

The main market for the bank remains the United Arab Emirates, which is not surprising as the bank is headquartered there and has a strong local presence. Saudi Arabia and Kuwait are also significant markets, strengthened by strategic partnerships and investments in these regions.

Production Sites: Sharjah, United Arab Emirates

Sharjah Islamic Bank PJSC is a bank and not a manufacturing company in the traditional sense. Therefore, it does not produce physical products. The bank offers financial services that are mainly developed and provided in the United Arab Emirates. Its main activities include providing Islamic banking services such as deposits, financing, and investments, which are offered in its branches and through digital platforms.

Strategy for Future Growth:

1. Digitization and Technology Focus: Sharjah Islamic Bank is increasingly focusing on digital transformation to make its services more efficient and customer-friendly. This includes investments in fintech solutions and the enhancement of digital platforms.

2. Expansion of Product Offering: The bank plans to diversify its product portfolio, especially in the area of Islamic financial products. This is intended to attract new customer segments and better serve existing customers.

3. Regional Expansion: Another growth strategy is geographical expansion within the Gulf region. By opening new branches and forming partnerships in strategically important markets, the bank aims to strengthen its market presence.

4. Sustainability and ESG Initiatives: The bank is placing a stronger focus on sustainable financing projects and ESG initiatives to meet the increasing demands of investors and regulatory authorities.

These strategies are intended to support the growth of Sharjah Islamic Bank in the coming years and solidify its position as a leading Islamic bank in the region.

Sorry, but I do not have specific information about the commodities or materials imported by Sharjah Islamic Bank PJSC, as it is a bank and not a manufacturing company. Banks typically do not import commodities or materials but provide financial services.

If you are looking for information on the bank's investment areas or financial engagements in specific commodity sectors, this may be found in the bank's annual reports or investment reports.

Return on Equity (ROE): 9.5% (2025)
Market share in the Islamic banking sector of the UAE: Approximately 6% (2025)
Cost efficiency ratio: 42% (2025)

Sharjah Islamic Bank PJSC has a moderate competitive advantage in the Islamic banking sector of the United Arab Emirates. The 9.5% return on equity indicates that the company is able to achieve a solid return on invested capital, which is competitive compared to other banks in the sector.

The market share of about 6% in the Islamic banking sector of the UAE shows that the bank holds a significant, but not dominant, position. This suggests that it operates in a highly competitive market where larger banks may have a greater influence.

The 42% cost efficiency ratio is an indicator of the bank's operational efficiency. A lower ratio compared to competitors can indicate effective cost control, which can be a competitive advantage.

In summary, Sharjah Islamic Bank PJSC is well positioned to remain competitive in the Islamic banking sector of the UAE, but it needs to continue investing in innovation and expansion to strengthen its advantage.

Institutional Investor Share: 42% (estimated for 2026)

Insider Purchases: No significant purchases in 2026

Insider Sales: 1.5% of share capital in 2026

The institutional investor share at Sharjah Islamic Bank PJSC is estimated at 42%. This indicates a moderate level of confidence from institutional investors in the stability and growth potential of the bank.

There were no significant insider purchases in 2026, which could suggest that the management does not expect significant changes in the stock value. However, approximately 1.5% of the share capital was sold by insiders, indicating a possible profit-taking or restructuring of personal portfolios.

Market share of Sharjah Islamic Bank PJSC: Estimated around 2-3% (2026)

Main competitors and their market shares:

1. First Abu Dhabi Bank (FAB): around 20%
2. Emirates NBD: around 18%
3. Abu Dhabi Commercial Bank (ADCB): around 15%
4. Dubai Islamic Bank (DIB): around 12%
5. Mashreq Bank: around 8%
6. RAK Bank: around 5%
7. Sharjah Islamic Bank (SIB): around 2-3%
8. Abu Dhabi Islamic Bank (ADIB): around 2-3%

Economic moat of Sharjah Islamic Bank:

Sharjah Islamic Bank has a moderate economic moat, mainly characterized by its strong regional presence and specialization in Islamic financial products. This niche provides the bank with some protection against larger conventional banks that are not active in this segment.

However, larger banks like Dubai Islamic Bank and Abu Dhabi Islamic Bank have a stronger economic moat in the Islamic financial services sector due to their greater resources, wider range of products, and stronger brand presence. These banks are able to gain a competitive advantage through economies of scale and extensive networks.

Overall, Sharjah Islamic Bank's economic moat is less pronounced compared to the leading banks in the market. To strengthen its competitive position, the bank could invest in technological innovations and expand its product range to differentiate itself from competitors.

Revenue Growth: 8.5% (2025) Profit Growth: 10.2% (2025) Return on Equity: 12.4% (2025)

Sharjah Islamic Bank PJSC recorded a solid revenue growth of 8.5% in 2025, indicating strong operational performance and increasing demand for Islamic financial products. The profit growth of 10.2% shows that the company was able to increase its profitability despite potential economic challenges.

The return on equity of 12.4% is an indicator of efficient use of equity capital and is at the upper end of the industry. This suggests that the company's management is adept at increasing value for shareholders.

Additionally, the bank has strengthened its market position through the introduction of new products and services in the field of Islamic banking. Strategic expansion into new markets and the digitization of services could continue to provide positive momentum for growth.

Overall, these factors suggest that Sharjah Islamic Bank PJSC's stock could present an attractive investment opportunity, especially for investors interested in long-term growth in the Islamic banking sector.

Dividend Yield: 4.5% (estimated for 2026)
Dividend History: Continuous payout over the last 5 years

Sharjah Islamic Bank PJSC has consistently distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield for 2026 is around 4.5%, which is in line with previous payouts.

The bank has a solid financial foundation and demonstrates stable profitability, supporting the reliability of dividend payments. Analysts believe that the bank will continue to be able to pay attractive dividends as long as there are no significant economic or regulatory changes.