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Bank of Sharjah (بنك الشارقة)
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Bank of Sharjah Ltd. (بنك الشارقة) Headquarters P.O. Box 1394, Bank of Sharjah Building, Royal Bank Street, Al Hosn Avenue, Sharjah.; Al Sharjah; Northern Emirates |
Status: Listed Legal Form: Limited Liability Company Operational Status: Operational Financial Auditors: Deloitte Touche Tohmatsu (2012) Incorporation Date: January 1, 1973 Total Employees: 148 Tel: 971 65694411 |
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Company Description |
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Bank of Sharjah PJSC is a United Arab Emirates-based financial institution established in year 1973. The Bank had its shares listed in Abu Dhabi Securities Market in the 6th of April, 2004. offers commercial and investment banking services. Its Commercial Banking products include current accounts, loans, overdrafts, letters of credit, letters of guarantee and project finance. The Retail Banking segment offers current and savings accounts, fixed deposits, credit cards, and personal and car loans. |
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Company Analysis |
| According to the Consolidated - Audited financial statement for the Year of 2011, total net operating revenues increased with 0.88%, from AED 1,068,071 thousands to AED 1,077,420 thousands. The results of the period decreased -37.17% reaching AED 253,798 thousands at the end of the period against AED 403,947 thousands last year. Return on equity (Net income/Total equity) went from 9.19% to 6.04%, the Return On Asset (Net income / Total Asset) went from 1.96% to 1.21% and the Net Profit Margin (Net Income/Net Sales) went from 37.82% to 23.56% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 398.52% compared to 369.12% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 1.28 to 1.24 when compared to the previous year. |
Key Executives |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2012 Y (cons) |
2011 Y (cons) |
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| Audited | Audited | |
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| Finglobe - MENA Spread Financial Statements | Finglobe - MENA Spread Financial Statements | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
22,832,688 |
20,934,372 |
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Current Assets |
20,725,354 |
19,135,061 |
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Total Liabilities |
18,650,639 |
16,735,051 |
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Shareholders Equity |
4,182,049 |
4,199,321 |
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Current Liabilities |
15,405,794 |
15,405,794 |
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| * All the accounts are in AED. | ||
Income Statement
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Total Operating Revenue |
1,007,323 |
1,077,420 |
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Net Profit (Loss) |
277,113 |
253,798 |
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| * All the accounts are in AED. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
1.21% |
1.21% |
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Annualised Return on Assets (ROA) |
1.21% |
1.21% |
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Return on Equity (ROE) |
6.63% |
6.04% |
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Annualised Return on Equity (ROE) |
6.6% |
5.77% |
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Return on Sales (ROS) |
27.51% |
23.56% |
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Gross Profit Margin |
100% |
100% |
| Efficiency Ratios | ||
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Current asset turnover |
0.05x |
0.06x |
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Fixed-asset turnover |
0.48x |
0.60x |
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Asset Turnover |
0.04x |
0.05x |
| Valuation figures and ratios | ||
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EBITDA |
479,114 |
542,086 |
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Enterprise value |
17,449,739 |
17,344,131 |
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Enterprise Value / EBITDA |
36.42 |
32.00 |
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Bookvalue (BV) |
4,182,049 |
4,199,321 |
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Net Cash |
-15,911,997 |
-15,135,906 |
| Liquidity Ratios | ||
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Current Ratio |
134.53% |
124.21% |
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Quick ratio |
134.53% |
124.21% |
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Doom's day ratio |
17.78% |
10.38% |
| Leverage Ratios | ||
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Leverage ratio |
545.97% |
498.52% |
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Debt to equity |
445.97% |
398.52% |
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Debt to total assets |
81.68% |
79.94% |
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Long Term Debt to Capital |
45.26% |
25.17% |
| Market ratios | ||
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Market Capitalization/EBITDA |
2.67 |
3.62 |
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Market Cap / Net cash |
-0.08 |
-0.13 |
| Trend Ratios | ||
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Revenue Trend |
93.49% |
100.88% |
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Net Income Trend |
109.19% |
62.83% |
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