Dubai Islamic Bank

Dubai Islamic Bank PJSC

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	-23.86B	-9.84B	-16.42B	-8.57B	-2.92B
Free Cash Flow	-23.07B	-10.19B	-16.76B	-9.06B	-2.45B
Capital Expenditures	792.78M	-350.78M	-341.84M	-484.48M	479.71M
Investing & Financing
Investing Cash Flow	4.94B	-5.61B	-4.83B	-2.28B	-2.59B
Financing Cash Flow	21.18B	18.20B	18.60B	7.49B	12.91B
Dividends Paid	-0.16B	—	-0.16B	-3.34B	-0.12B
Share Repurchase	—	—	—	-2.75B	—
Operating Activities
Operating Cash Flow	-23.86B	-9.84B	-16.42B	-8.57B	-2.92B
Net Income	2.04B	1.86B	1.86B	1.74B	2.63B
Change in Other Net Operating Assets	-26.33B	-11.26B	-18.30B	-10.57B	-5.62B
Net Increase (Decrease) in Deposit Accounts	18.25B	18.20B	18.89B	16.33B	11.69B
Other Operating Activities	315.30M	-278.84M	316.15M	351.12M	315.75M
Provision for Credit Losses	244.64M	151.80M	81.00M	160.00M	-145.68M
Depreciation & Amortization	55.13M	64.67M	73.79M	66.66M	67.03M
Other Amortization	—	—	—	—	—
Cash Income Tax Paid	27.22M	714.64M	18.87M	25.92M	43.42M
Loss (Gain) on Equity Investments	-39.07M	-98.51M	-166.85M	-76.93M	-206.57M
Total Asset Writedown	-8.63M	-7.44M	-24.58M	9.50M	10.02M
Investing Activities
Investing Cash Flow	4.94B	-5.61B	-4.83B	-2.28B	-2.59B
Capital Expenditures	792.78M	-350.78M	-341.84M	-484.48M	479.71M
Investment in Securities	4.70B	-5.67B	-5.32B	-2.12B	-3.12B
Other Investing Activities	24.13M	3.97M	8.45M	0.94M	155.37M
Sale of Property, Plant and Equipment	-564.14M	434.89M	400.29M	342.26M	-614.92M
Gain (Loss) on Sale of Assets	45.63M	-158.93M	-293.14M	-243.02M	9.56M
Gain (Loss) on Sale of Investments	-182.90M	-108.78M	36.80M	-6.87M	12.78M
Financing Activities
Financing Cash Flow	21.18B	18.20B	18.60B	7.49B	12.91B
Common Dividends Paid	-0.16B	—	-0.16B	-3.34B	-0.12B
Issuance of Common Stock	—	—	—	—	1.84B
Repurchase of Common Stock	—	—	—	-2.75B	—
Long-Term Debt Issued	—	—	—	—	—
Total Debt Issued	3.67B	—	—	—	—
Long-Term Debt Repaid	—	—	—	-2.75B	—
Total Debt Repaid	0.00B	—	—	-2.75B	—
Net Debt Issued (Repaid)	3.67B	—	—	-2.75B	—
Other Financing Activities	-581.69M	-0.02M	-120.67M	-0.30M	-494.56M
Free Cash Flow & Returns
Free Cash Flow	-23.07B	-10.19B	-16.76B	-9.06B	-2.45B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-688.5%	-311.8%	-536.4%	-302.8%	-63.4%
Free Cash Flow Per Share	-3.19	-1.41	-2.32	-1.25	-0.34
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	2.25B	2.66B	-2.54B	-3.41B	7.39B
Foreign Exchange Rate Adjustments	-8.24M	-91.89M	98.50M	-41.59M	-2.30M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	-23.86B	-9.84B	-16.42B	-8.57B	-2.92B
Free Cash Flow	-23.07B	-10.19B	-16.76B	-9.06B	-2.45B
Capital Expenditures	792.78M	-350.78M	-341.84M	-484.48M	479.71M
Investing & Financing
Investing Cash Flow	4.94B	-5.61B	-4.83B	-2.28B	-2.59B
Financing Cash Flow	21.18B	18.20B	18.60B	7.49B	12.91B
Dividends Paid	-0.16B	—	-0.16B	-3.34B	-0.12B
Share Repurchase	—	—	—	-2.75B	—
Operating Activities
Operating Cash Flow	-23.86B	-9.84B	-16.42B	-8.57B	-2.92B
Net Income	2.04B	1.86B	1.86B	1.74B	2.63B
Change in Other Net Operating Assets	-26.33B	-11.26B	-18.30B	-10.57B	-5.62B
Net Increase (Decrease) in Deposit Accounts	18.25B	18.20B	18.89B	16.33B	11.69B
Other Operating Activities	315.30M	-278.84M	316.15M	351.12M	315.75M
Provision for Credit Losses	244.64M	151.80M	81.00M	160.00M	-145.68M
Depreciation & Amortization	55.13M	64.67M	73.79M	66.66M	67.03M
Other Amortization	—	—	—	—	—
Cash Income Tax Paid	27.22M	714.64M	18.87M	25.92M	43.42M
Loss (Gain) on Equity Investments	-39.07M	-98.51M	-166.85M	-76.93M	-206.57M
Total Asset Writedown	-8.63M	-7.44M	-24.58M	9.50M	10.02M
Investing Activities
Investing Cash Flow	4.94B	-5.61B	-4.83B	-2.28B	-2.59B
Capital Expenditures	792.78M	-350.78M	-341.84M	-484.48M	479.71M
Investment in Securities	4.70B	-5.67B	-5.32B	-2.12B	-3.12B
Other Investing Activities	24.13M	3.97M	8.45M	0.94M	155.37M
Sale of Property, Plant and Equipment	-564.14M	434.89M	400.29M	342.26M	-614.92M
Gain (Loss) on Sale of Assets	45.63M	-158.93M	-293.14M	-243.02M	9.56M
Gain (Loss) on Sale of Investments	-182.90M	-108.78M	36.80M	-6.87M	12.78M
Financing Activities
Financing Cash Flow	21.18B	18.20B	18.60B	7.49B	12.91B
Common Dividends Paid	-0.16B	—	-0.16B	-3.34B	-0.12B
Issuance of Common Stock	—	—	—	—	1.84B
Repurchase of Common Stock	—	—	—	-2.75B	—
Long-Term Debt Issued	—	—	—	—	—
Total Debt Issued	3.67B	—	—	—	—
Long-Term Debt Repaid	—	—	—	-2.75B	—
Total Debt Repaid	0.00B	—	—	-2.75B	—
Net Debt Issued (Repaid)	3.67B	—	—	-2.75B	—
Other Financing Activities	-581.69M	-0.02M	-120.67M	-0.30M	-494.56M
Free Cash Flow & Returns
Free Cash Flow	-23.07B	-10.19B	-16.76B	-9.06B	-2.45B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-688.5%	-311.8%	-536.4%	-302.8%	-63.4%
Free Cash Flow Per Share	-3.19	-1.41	-2.32	-1.25	-0.34
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	2.25B	2.66B	-2.54B	-3.41B	7.39B
Foreign Exchange Rate Adjustments	-8.24M	-91.89M	98.50M	-41.59M	-2.30M