AMALY — SHARIAH COMPLIANCE REPORT ================================== Symbol: IBG Report Date: 2026-07-09 Full Report: https://amaly.io/stock/IBG EXECUTIVE SUMMARY ------------------ Compliance Status: NON_COMPLIANT Quality Rating: BB Description: International Bancshares Corporation (IBG), operating as a regional bank holding company, primarily engages in conventional banking activities that involve interest-based lending and deposits, rendering it non-compliant with core Shariah principles prohibiting riba. While financial screening ratios such as debt-to-market-cap (0.43%) and liquidity (0.66%) comfortably pass thresholds across AAOIFI, MSCI, and S&P standards, the interest income ratio of 4.76% is marginally acceptable but requires purification. The overriding concern is the business activity screening, where nearly 100% of revenue derives from non-permissible riba activities. No inclusion in major Shariah indices confirms the non-compliant status. Investors should avoid or monitor for any shift toward Islamic financing models. Primary Compliance Concerns: - Core business activities involve riba through conventional banking (100% revenue) - Interest income ratio: 4.76% (threshold: 5%) Purification Requirement: 4.76% Index Inclusion: Not included in any major Shariah indices (S&P, MSCI, FTSE, DJIM) KEY FINANCIAL METRICS ---------------------- Debt Ratio: 0.0% Liquidity Ratio: 0.0% Interest Income Ratio: 4.8% Purification Required: 4.76% INDEX INCLUSION STATUS ----------------------- S&P Shariah: EXCLUDED MSCI Islamic: EXCLUDED DJIM: EXCLUDED FTSE Shariah: EXCLUDED Total: 0 of 4 Last Verified: 2026-01-31 REPORTING PERIOD ----------------- Latest Annual Report: FY 2025 Latest Quarterly Data: Q4 2025 Trend Period: FY 2021 to FY 2025 Data Retrieved: 2026-02-20T12:00:00Z --- Full interactive report: https://amaly.io/stock/IBG Provided by Amaly (https://amaly.io) — Shariah Compliant Stock Screener Disclaimer: This data is for informational purposes only and does not constitute financial or religious advice.