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
Operating Summary
Revenue	12.73B	12.41B	10.08B	8.36B	7.03B
Interest Income	19.55B	19.45B	17.23B	11.74B	9.01B
Interest Expense	10.58B	10.50B	8.48B	3.63B	2.37B
Pretax Income	9.00B	9.00B	7.11B	5.63B	4.44B
Income Tax	1.20B	0.84B	0.10B	0.08B	0.04B
Net Income	7.06B	7.51B	6.37B	5.05B	3.81B
Net Interest Income	8.97B	8.95B	8.75B	8.10B	6.64B
Non-Interest Income	4.28B	3.89B	2.92B	2.36B	2.78B
Non-Interest Expense	3.76B	3.42B	3.16B	2.73B	2.53B
Loan Loss Provisions	0.52B	0.42B	1.58B	2.10B	2.39B
EPS (Basic)	0.98	1.04	0.88	0.70	0.53
EPS (Diluted)	0.98	1.04	0.88	0.70	0.53
DPS	0.35	0.45	0.45	0.30	0.25
Margins & Efficiency
Net Margin %	+55.5%	+60.5%	+63.2%	+60.4%	+54.2%
Revenue & Income
Revenue	12.73B	12.41B	10.08B	8.36B	7.03B
Revenue	12.73B	12.41B	10.08B	8.36B	7.03B
Revenue Growth (YoY)	+2.6%	+23.1%	+20.6%	+19.0%	+28.8%
Revenues Before Loan Losses	13.25B	12.84B	11.66B	10.47B	9.42B
Interest Income on Loans	19.55B	19.45B	17.23B	11.74B	9.01B
Net Interest Income	8.97B	8.95B	8.75B	8.10B	6.64B
Net Interest Income Growth (YoY)	+0.3%	+2.3%	+8.0%	+22.1%	-0.9%
Non-Interest Income Growth (YoY)	+10.1%	+33.3%	+23.4%	-15.1%	+0.4%
Total Non-Interest Income	4.28B	3.89B	2.92B	2.36B	2.78B
Other Non-Interest Income	2.47B	2.14B	2.12B	1.86B	1.93B
Gain (Loss) on Sale of Assets	293.31M	82.85M	0.02M	-2.45M	13.32M
Gain (Loss) on Sale of Equity Investments	381.36M	485.27M	214.93M	128.30M	115.95M
Gain (Loss) on Sale of Investments	140.90M	96.66M	0.69M	9.16M	415.53M
Expenses & Provisions
Selling, General & Administrative	1.25B	1.18B	1.23B	0.97B	0.84B
Interest Paid on Deposits	10.58B	10.50B	8.48B	3.63B	2.37B
Total Non-Interest Expense	3.76B	3.42B	3.16B	2.73B	2.53B
Provision for Loan Losses	0.52B	0.42B	1.58B	2.10B	2.39B
Salaries and Employee Benefits	2.26B	1.99B	1.72B	1.58B	1.51B
Occupancy Expenses	254.97M	254.82M	205.53M	183.56M	179.34M
Asset Writedown	31.15M	16.00M	185.45M	—	-54.16M
Profitability & Returns
EBT Excluding Unusual Items	8.97B	8.99B	6.92B	5.63B	4.50B
Pretax Income	9.00B	9.00B	7.11B	5.63B	4.44B
Profit Margin	+55.5%	+60.5%	+63.2%	+60.4%	+54.2%
Net Income	7.50B	7.93B	6.80B	5.47B	4.39B
Net Income to Common	7.06B	7.51B	6.37B	5.05B	3.81B
Net Income Growth	-5.5%	+16.7%	+24.2%	+24.7%	+33.3%
Earnings From Continuing Ops.	7.81B	8.17B	7.01B	5.55B	4.41B
Minority Interest in Earnings	-307.26M	-230.95M	-212.28M	-77.45M	-15.03M
Income Tax Expense	1.20B	0.84B	0.10B	0.08B	0.04B
Effective Tax Rate	+13.3%	+9.3%	+1.4%	+1.4%	+0.9%
Per Share & Capital
EPS (Basic)	0.98	1.04	0.88	0.70	0.53
EPS (Diluted)	0.98	1.04	0.88	0.70	0.53
EPS Growth	-5.9%	+17.8%	+26.2%	+32.5%	+39.2%
Dividend Per Share	0.35	0.45	0.45	0.30	0.25
Shares Outstanding (Basic)	7.23B	7.23B	7.23B	7.23B	7.23B
Shares Outstanding (Diluted)	7.23B	7.23B	7.23B	7.23B	7.23B
Dividend Growth	-22.2%	—	+50.0%	+20.0%	+25.0%
Free Cash Flow	-59.08B	-11.46B	-4.89B	12.68B	5.08B
Free Cash Flow Margin	-463.9%	-92.4%	-48.5%	+151.6%	+72.4%
Free Cash Flow Per Share	-8.17	-1.59	-0.68	1.75	0.70
Payout Ratio	+48.9%	+46.1%	+37.8%	+40.4%	+45.5%
Preferred Dividends & Other Adjustments	436.36M	423.33M	424.42M	425.03M	578.89M

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
Operating Summary
Revenue	12.73B	12.41B	10.08B	8.36B	7.03B
Interest Income	19.55B	19.45B	17.23B	11.74B	9.01B
Interest Expense	10.58B	10.50B	8.48B	3.63B	2.37B
Pretax Income	9.00B	9.00B	7.11B	5.63B	4.44B
Income Tax	1.20B	0.84B	0.10B	0.08B	0.04B
Net Income	7.06B	7.51B	6.37B	5.05B	3.81B
Net Interest Income	8.97B	8.95B	8.75B	8.10B	6.64B
Non-Interest Income	4.28B	3.89B	2.92B	2.36B	2.78B
Non-Interest Expense	3.76B	3.42B	3.16B	2.73B	2.53B
Loan Loss Provisions	0.52B	0.42B	1.58B	2.10B	2.39B
EPS (Basic)	0.98	1.04	0.88	0.70	0.53
EPS (Diluted)	0.98	1.04	0.88	0.70	0.53
DPS	0.35	0.45	0.45	0.30	0.25
Margins & Efficiency
Net Margin %	+55.5%	+60.5%	+63.2%	+60.4%	+54.2%
Revenue & Income
Revenue	12.73B	12.41B	10.08B	8.36B	7.03B
Revenue	12.73B	12.41B	10.08B	8.36B	7.03B
Revenue Growth (YoY)	+2.6%	+23.1%	+20.6%	+19.0%	+28.8%
Revenues Before Loan Losses	13.25B	12.84B	11.66B	10.47B	9.42B
Interest Income on Loans	19.55B	19.45B	17.23B	11.74B	9.01B
Net Interest Income	8.97B	8.95B	8.75B	8.10B	6.64B
Net Interest Income Growth (YoY)	+0.3%	+2.3%	+8.0%	+22.1%	-0.9%
Non-Interest Income Growth (YoY)	+10.1%	+33.3%	+23.4%	-15.1%	+0.4%
Total Non-Interest Income	4.28B	3.89B	2.92B	2.36B	2.78B
Other Non-Interest Income	2.47B	2.14B	2.12B	1.86B	1.93B
Gain (Loss) on Sale of Assets	293.31M	82.85M	0.02M	-2.45M	13.32M
Gain (Loss) on Sale of Equity Investments	381.36M	485.27M	214.93M	128.30M	115.95M
Gain (Loss) on Sale of Investments	140.90M	96.66M	0.69M	9.16M	415.53M
Expenses & Provisions
Selling, General & Administrative	1.25B	1.18B	1.23B	0.97B	0.84B
Interest Paid on Deposits	10.58B	10.50B	8.48B	3.63B	2.37B
Total Non-Interest Expense	3.76B	3.42B	3.16B	2.73B	2.53B
Provision for Loan Losses	0.52B	0.42B	1.58B	2.10B	2.39B
Salaries and Employee Benefits	2.26B	1.99B	1.72B	1.58B	1.51B
Occupancy Expenses	254.97M	254.82M	205.53M	183.56M	179.34M
Asset Writedown	31.15M	16.00M	185.45M	—	-54.16M
Profitability & Returns
EBT Excluding Unusual Items	8.97B	8.99B	6.92B	5.63B	4.50B
Pretax Income	9.00B	9.00B	7.11B	5.63B	4.44B
Profit Margin	+55.5%	+60.5%	+63.2%	+60.4%	+54.2%
Net Income	7.50B	7.93B	6.80B	5.47B	4.39B
Net Income to Common	7.06B	7.51B	6.37B	5.05B	3.81B
Net Income Growth	-5.5%	+16.7%	+24.2%	+24.7%	+33.3%
Earnings From Continuing Ops.	7.81B	8.17B	7.01B	5.55B	4.41B
Minority Interest in Earnings	-307.26M	-230.95M	-212.28M	-77.45M	-15.03M
Income Tax Expense	1.20B	0.84B	0.10B	0.08B	0.04B
Effective Tax Rate	+13.3%	+9.3%	+1.4%	+1.4%	+0.9%
Per Share & Capital
EPS (Basic)	0.98	1.04	0.88	0.70	0.53
EPS (Diluted)	0.98	1.04	0.88	0.70	0.53
EPS Growth	-5.9%	+17.8%	+26.2%	+32.5%	+39.2%
Dividend Per Share	0.35	0.45	0.45	0.30	0.25
Shares Outstanding (Basic)	7.23B	7.23B	7.23B	7.23B	7.23B
Shares Outstanding (Diluted)	7.23B	7.23B	7.23B	7.23B	7.23B
Dividend Growth	-22.2%	—	+50.0%	+20.0%	+25.0%
Free Cash Flow	-59.08B	-11.46B	-4.89B	12.68B	5.08B
Free Cash Flow Margin	-463.9%	-92.4%	-48.5%	+151.6%	+72.4%
Free Cash Flow Per Share	-8.17	-1.59	-0.68	1.75	0.70
Payout Ratio	+48.9%	+46.1%	+37.8%	+40.4%	+45.5%
Preferred Dividends & Other Adjustments	436.36M	423.33M	424.42M	425.03M	578.89M