Dubai Islamic Bank

Dubai Islamic Bank PJSC

DIBStocksDubai Financial MarketBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	23.67B	14.65B	13.72B	25.00B	22.87B
Total Assets	415.95B	344.69B	314.29B	288.24B	279.08B
Investment Securities	94.13B	85.45B	71.45B	55.20B	44.97B
Trading Assets	1.40B	1.00B	1.17B	1.83B	1.50B
Gross Loans	273.41B	224.04B	212.83B	198.69B	199.18B
Net Loans	262.06B	212.43B	199.45B	186.04B	186.69B
Allowance for Loan Losses	-5.92B	-6.76B	-8.90B	-8.79B	-8.93B
Liabilities
Total Deposits	323.47B	255.73B	236.65B	212.63B	209.53B
Interest-Bearing Deposits	275.91B	214.86B	195.63B	164.04B	160.30B
Non-Interest-Bearing Deposits	47.56B	40.87B	41.02B	48.59B	49.24B
Total Debt	26.86B	25.34B	21.67B	24.09B	22.20B
Total Liabilities	362.81B	291.83B	266.86B	244.26B	237.62B
Equity & Ownership
Total Equity	53.14B	52.85B	47.43B	43.97B	41.46B
Shares Outstanding	7,227,110,900	7,227,110,900	7,227,110,900	7,227,110,900	7,227,110,900
Cash & Assets
Total Assets	415.95B	344.69B	314.29B	288.24B	279.08B
Cash & Equivalents	23.67B	14.65B	13.72B	25.00B	22.87B
Net Cash (Debt)	-1.79B	-9.68B	-6.77B	2.74B	2.17B
Net Cash Per Share	-0.25	-1.34	-0.94	0.38	0.30
Net Cash Growth	—	—	—	+26.2%	-47.4%
Other Receivables	0.18B	0.39B	0.43B	1.08B	1.76B
Restricted Cash	18.58B	17.69B	14.78B	6.10B	8.51B
Property, Plant & Equipment	1.65B	1.65B	1.71B	1.53B	1.46B
Other Intangible Assets	535.98M	427.80M	315.86M	372.86M	398.98M
Investments in Real Estate	4.76B	4.52B	5.63B	5.26B	5.50B
Other Current Assets	2.77B	2.02B	2.18B	2.46B	2.45B
Other Long-Term Assets	6.09B	4.33B	3.37B	3.30B	2.91B
Long-Term Deferred Tax Assets	123.53M	127.00M	84.50M	57.87M	49.98M
Long-Term Leases	496.36M	211.76M	128.34M	170.23M	213.02M
Loans & Investments
Gross Loans	273.41B	224.04B	212.83B	198.69B	199.18B
Net Loans	262.06B	212.43B	199.45B	186.04B	186.69B
Allowance for Loan Losses	-5.92B	-6.76B	-8.90B	-8.79B	-8.93B
Investment Securities	94.13B	85.45B	71.45B	55.20B	44.97B
Trading Asset Securities	1.40B	1.00B	1.17B	1.83B	1.50B
Total Investments	95.53B	86.45B	72.62B	57.03B	46.47B
Other Adjustments to Gross Loans	-5.44B	-4.85B	-4.47B	-3.86B	-3.56B
Liabilities & Obligations
Total Liabilities	362.81B	291.83B	266.86B	244.26B	237.62B
Total Liabilities & Equity	415.95B	344.69B	314.29B	288.24B	279.08B
Current Income Taxes Payable	1.81B	1.31B	0.50B	0.45B	0.38B
Other Current Liabilities	5.41B	3.18B	3.10B	2.15B	1.60B
Other Long-Term Liabilities	4.97B	6.00B	4.69B	4.68B	3.65B
Pension & Post-Retirement Benefits	293.26M	275.94M	256.26M	270.06M	263.59M
Debt & Funding
Total Debt	26.86B	25.34B	21.67B	24.09B	22.20B
Current Portion of Long-Term Debt	8.45B	2.75B	—	5.51B	3.67B
Long-Term Debt	16.62B	21.40B	20.48B	16.83B	16.89B
Short-Term Borrowings	1.29B	0.97B	1.06B	1.58B	1.42B
Total Deposits	323.47B	255.73B	236.65B	212.63B	209.53B
Interest Bearing Deposits	275.91B	214.86B	195.63B	164.04B	160.30B
Non-Interest Bearing Deposits	47.56B	40.87B	41.02B	48.59B	49.24B
Equity & Book Value
Shareholders' Equity	53.14B	52.85B	47.43B	43.97B	41.46B
Total Common Equity	49.91B	49.82B	44.56B	41.30B	38.87B
Common Stock	7.24B	7.24B	7.24B	7.24B	7.24B
Retained Earnings	38.92B	35.81B	32.16B	28.46B	25.68B
Treasury Stock	-31.32M	-31.32M	-31.32M	-31.32M	-31.32M
Comprehensive Income & Other	3.78B	6.81B	5.19B	5.64B	5.98B
Minority Interest	3.23B	3.03B	2.88B	2.67B	2.60B
Book Value Per Share	5.89	5.50	5.02	4.57	4.23
Tangible Book Value	49.37B	49.40B	44.24B	40.93B	38.47B
Tangible Book Value Per Share	5.82	5.44	4.98	4.52	4.18
Filing Date Shares Outstanding	7.23B	7.23B	7.23B	7.23B	7.23B
Total Common Shares Outstanding	7.23B	7.23B	7.23B	7.23B	7.23B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	23.67B	14.65B	13.72B	25.00B	22.87B
Total Assets	415.95B	344.69B	314.29B	288.24B	279.08B
Investment Securities	94.13B	85.45B	71.45B	55.20B	44.97B
Trading Assets	1.40B	1.00B	1.17B	1.83B	1.50B
Gross Loans	273.41B	224.04B	212.83B	198.69B	199.18B
Net Loans	262.06B	212.43B	199.45B	186.04B	186.69B
Allowance for Loan Losses	-5.92B	-6.76B	-8.90B	-8.79B	-8.93B
Liabilities
Total Deposits	323.47B	255.73B	236.65B	212.63B	209.53B
Interest-Bearing Deposits	275.91B	214.86B	195.63B	164.04B	160.30B
Non-Interest-Bearing Deposits	47.56B	40.87B	41.02B	48.59B	49.24B
Total Debt	26.86B	25.34B	21.67B	24.09B	22.20B
Total Liabilities	362.81B	291.83B	266.86B	244.26B	237.62B
Equity & Ownership
Total Equity	53.14B	52.85B	47.43B	43.97B	41.46B
Shares Outstanding	7,227,110,900	7,227,110,900	7,227,110,900	7,227,110,900	7,227,110,900
Cash & Assets
Total Assets	415.95B	344.69B	314.29B	288.24B	279.08B
Cash & Equivalents	23.67B	14.65B	13.72B	25.00B	22.87B
Net Cash (Debt)	-1.79B	-9.68B	-6.77B	2.74B	2.17B
Net Cash Per Share	-0.25	-1.34	-0.94	0.38	0.30
Net Cash Growth	—	—	—	+26.2%	-47.4%
Other Receivables	0.18B	0.39B	0.43B	1.08B	1.76B
Restricted Cash	18.58B	17.69B	14.78B	6.10B	8.51B
Property, Plant & Equipment	1.65B	1.65B	1.71B	1.53B	1.46B
Other Intangible Assets	535.98M	427.80M	315.86M	372.86M	398.98M
Investments in Real Estate	4.76B	4.52B	5.63B	5.26B	5.50B
Other Current Assets	2.77B	2.02B	2.18B	2.46B	2.45B
Other Long-Term Assets	6.09B	4.33B	3.37B	3.30B	2.91B
Long-Term Deferred Tax Assets	123.53M	127.00M	84.50M	57.87M	49.98M
Long-Term Leases	496.36M	211.76M	128.34M	170.23M	213.02M
Loans & Investments
Gross Loans	273.41B	224.04B	212.83B	198.69B	199.18B
Net Loans	262.06B	212.43B	199.45B	186.04B	186.69B
Allowance for Loan Losses	-5.92B	-6.76B	-8.90B	-8.79B	-8.93B
Investment Securities	94.13B	85.45B	71.45B	55.20B	44.97B
Trading Asset Securities	1.40B	1.00B	1.17B	1.83B	1.50B
Total Investments	95.53B	86.45B	72.62B	57.03B	46.47B
Other Adjustments to Gross Loans	-5.44B	-4.85B	-4.47B	-3.86B	-3.56B
Liabilities & Obligations
Total Liabilities	362.81B	291.83B	266.86B	244.26B	237.62B
Total Liabilities & Equity	415.95B	344.69B	314.29B	288.24B	279.08B
Current Income Taxes Payable	1.81B	1.31B	0.50B	0.45B	0.38B
Other Current Liabilities	5.41B	3.18B	3.10B	2.15B	1.60B
Other Long-Term Liabilities	4.97B	6.00B	4.69B	4.68B	3.65B
Pension & Post-Retirement Benefits	293.26M	275.94M	256.26M	270.06M	263.59M
Debt & Funding
Total Debt	26.86B	25.34B	21.67B	24.09B	22.20B
Current Portion of Long-Term Debt	8.45B	2.75B	—	5.51B	3.67B
Long-Term Debt	16.62B	21.40B	20.48B	16.83B	16.89B
Short-Term Borrowings	1.29B	0.97B	1.06B	1.58B	1.42B
Total Deposits	323.47B	255.73B	236.65B	212.63B	209.53B
Interest Bearing Deposits	275.91B	214.86B	195.63B	164.04B	160.30B
Non-Interest Bearing Deposits	47.56B	40.87B	41.02B	48.59B	49.24B
Equity & Book Value
Shareholders' Equity	53.14B	52.85B	47.43B	43.97B	41.46B
Total Common Equity	49.91B	49.82B	44.56B	41.30B	38.87B
Common Stock	7.24B	7.24B	7.24B	7.24B	7.24B
Retained Earnings	38.92B	35.81B	32.16B	28.46B	25.68B
Treasury Stock	-31.32M	-31.32M	-31.32M	-31.32M	-31.32M
Comprehensive Income & Other	3.78B	6.81B	5.19B	5.64B	5.98B
Minority Interest	3.23B	3.03B	2.88B	2.67B	2.60B
Book Value Per Share	5.89	5.50	5.02	4.57	4.23
Tangible Book Value	49.37B	49.40B	44.24B	40.93B	38.47B
Tangible Book Value Per Share	5.82	5.44	4.98	4.52	4.18
Filing Date Shares Outstanding	7.23B	7.23B	7.23B	7.23B	7.23B
Total Common Shares Outstanding	7.23B	7.23B	7.23B	7.23B	7.23B