DIB Management Discussion and Analysis Report for the Period Ended June 30, 2026

Dubai Islamic Bank (DIB) reported H1 2026 gross revenue of AED 12.4 billion, a 10% increase year-on-year, while operating profit rose 6% to AED 4.8 billion.
Net financing assets grew 7% year-to-date to AED 281 billion, driven by AED 43 billion in new financing across consumer and wholesale segments.
Asset quality continued to strengthen as the non-performing financing (NPF) ratio declined to 2.4% (down 30 bps YTD), with the cost of risk contained at 28 bps.
The bank maintained a Common Equity Tier 1 (CET1) ratio of 13.0% and successfully issued a USD 1 billion Additional Tier 1 Sukuk during the period.