Sharjah, United Arab Emirates, 10th November 2025 – Invest Bank today announced its financial results for the nine-month period ended September 30, 2025, reporting a profit before tax of AED 102M, reflecting continued momentum across income streams, balance sheet expansion, and strong recoveries.
Key Financial Highlights
- Total assets at AED 13.4 Bn (+24% YTD).
- Net loans and advances at AED 6.6Bn (+46% YTD).
- Customer Deposits at AED 11.1Bn (+28% YTD), with a CASA ratio of 29.4% (FY’24 : 26.6%).
- Operating Income of AED 251.4Mn (+21% YoY), equally contributed by growth in core Net Interest (+16%) and Non-interest (+29%)
- Net Interest Income was at AED 148.4M up YoY (+AED 21M, 16%), driven by uptick in balance sheet size (+AED 2.3B, 22%), with NIM maintained at 1.6% (YTD Sept-24 : 1.5%), notwithstanding 100bps rate drop in H2’24.
- Non-interest income was at AED 103M up YoY (+23M, 29%), as higher loan volumes drive core business fee income and increase in foreign exchange & other income (+AED 10M).
- Operating expenses up YoY by AED 36M (+18%) as the bank continues to invest in talent and technology for future growth.
- Robust recovery strategies continue to show positive signs reporting net recoveries of AED 83M during the year.
- The Bank remains well capitalized with a healthy capital adequacy ratio of 22.8% (Dec’24 : 28.7%).
- Strong Liquidity position with Eligible Liquid Asset Ratio of 21.4% as at Sept’25 (Dec’24 :15.6%) and advances to stable resources ratio was at 70.5% (Dec’24 : 68.8%).
- Reimbursement Asset (RA): The Bank received AED 380M, during the year (Sep’24 :AED 377M) from Government of Sharjah (GoS) under the Guarantee Agreement, reducing the balance to AED 1.7B in Sept-25 (Dec’24 : 2.1B).
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