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
Operating Summary
Revenue	3.35B	3.27B	3.13B	2.99B	3.86B
Interest Income	5.20B	5.05B	4.75B	4.55B	5.12B
Interest Expense	2.88B	2.72B	2.62B	2.36B	2.59B
Pretax Income	2.39B	2.30B	2.20B	2.11B	3.00B
Income Tax	266.09M	350.52M	267.69M	310.82M	286.64M
Net Income	1.85B	1.86B	1.69B	1.65B	2.50B
Net Interest Income	2.33B	2.33B	2.12B	2.19B	2.52B
Non-Interest Income	1.25B	0.97B	1.10B	0.96B	1.23B
Non-Interest Expense	989.14M	966.35M	924.63M	882.65M	870.78M
Loan Loss Provisions	224.81M	35.56M	93.23M	163.00M	-106.86M
EPS (Basic)	0.26	0.26	0.23	0.23	0.35
EPS (Diluted)	0.26	0.26	0.23	0.23	0.35
Margins & Efficiency
Net Margin %	+55.3%	+57.0%	+54.2%	+55.3%	+64.8%
Revenue & Income
Revenue	3.35B	3.27B	3.13B	2.99B	3.86B
Revenue	3.35B	3.27B	3.13B	2.99B	3.86B
Revenue Growth (YoY)	-13.2%	+3.7%	+15.5%	+10.8%	+31.0%
Revenues Before Loan Losses	3.58B	3.30B	3.22B	3.15B	3.75B
Interest Income on Loans	5.20B	5.05B	4.75B	4.55B	5.12B
Net Interest Income	2.33B	2.33B	2.12B	2.19B	2.52B
Net Interest Income Growth (YoY)	-7.8%	+8.8%	-0.6%	+2.0%	+12.7%
Non-Interest Income Growth (YoY)	+1.6%	+9.9%	+18.6%	+13.2%	+39.6%
Total Non-Interest Income	1.25B	0.97B	1.10B	0.96B	1.23B
Other Non-Interest Income	575.34M	684.50M	600.38M	611.20M	559.47M
Gain (Loss) on Sale of Assets	293.31M	—	—	—	82.85M
Gain (Loss) on Sale of Equity Investments	39.07M	98.51M	166.85M	76.93M	206.57M
Gain (Loss) on Sale of Investments	140.90M	—	—	—	96.66M
Expenses & Provisions
Selling, General & Administrative	329.56M	322.15M	321.27M	277.99M	304.77M
Interest Paid on Deposits	2.88B	2.72B	2.62B	2.36B	2.59B
Total Non-Interest Expense	989.14M	966.35M	924.63M	882.65M	870.78M
Provision for Loan Losses	224.81M	35.56M	93.23M	163.00M	-106.86M
Salaries and Employee Benefits	604.45M	579.53M	532.21M	540.64M	501.61M
Occupancy Expenses	55.13M	64.67M	71.15M	64.03M	64.40M
Asset Writedown	31.15M	—	—	—	16.00M
Profitability & Returns
EBT Excluding Unusual Items	2.36B	2.30B	2.20B	2.11B	2.99B
Pretax Income	2.39B	2.30B	2.20B	2.11B	3.00B
Profit Margin	+55.3%	+57.0%	+54.2%	+55.3%	+64.8%
Net Income	2.04B	1.86B	1.86B	1.74B	2.63B
Net Income to Common	1.85B	1.86B	1.69B	1.65B	2.50B
Net Income Growth	-22.6%	-8.2%	+10.8%	+9.2%	+25.4%
Earnings From Continuing Ops.	2.13B	1.95B	1.93B	1.80B	2.72B
Minority Interest in Earnings	-86.58M	-87.90M	-75.05M	-57.74M	-82.33M
Income Tax Expense	266.09M	350.52M	267.69M	310.82M	286.64M
Effective Tax Rate	+11.1%	+15.2%	+12.2%	+14.7%	+9.5%
Per Share & Capital
EPS (Basic)	0.26	0.26	0.23	0.23	0.35
EPS (Diluted)	0.26	0.26	0.23	0.23	0.35
EPS Growth	-25.8%	-4.2%	+8.5%	+9.7%	+27.2%
Dividend Per Share	0.35	—	—	—	0.45
Shares Change (YoY)	—	—	—	—	—
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%	—	—	—	—
Free Cash Flow	-23.07B	-10.19B	-16.76B	-9.06B	-2.45B
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
Payout Ratio	+8.0%	—	+8.8%	+191.9%	+4.4%
Preferred Dividends & Other Adjustments	186.14M	—	164.14M	86.09M	135.23M

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
Operating Summary
Revenue	3.35B	3.27B	3.13B	2.99B	3.86B
Interest Income	5.20B	5.05B	4.75B	4.55B	5.12B
Interest Expense	2.88B	2.72B	2.62B	2.36B	2.59B
Pretax Income	2.39B	2.30B	2.20B	2.11B	3.00B
Income Tax	266.09M	350.52M	267.69M	310.82M	286.64M
Net Income	1.85B	1.86B	1.69B	1.65B	2.50B
Net Interest Income	2.33B	2.33B	2.12B	2.19B	2.52B
Non-Interest Income	1.25B	0.97B	1.10B	0.96B	1.23B
Non-Interest Expense	989.14M	966.35M	924.63M	882.65M	870.78M
Loan Loss Provisions	224.81M	35.56M	93.23M	163.00M	-106.86M
EPS (Basic)	0.26	0.26	0.23	0.23	0.35
EPS (Diluted)	0.26	0.26	0.23	0.23	0.35
Margins & Efficiency
Net Margin %	+55.3%	+57.0%	+54.2%	+55.3%	+64.8%
Revenue & Income
Revenue	3.35B	3.27B	3.13B	2.99B	3.86B
Revenue	3.35B	3.27B	3.13B	2.99B	3.86B
Revenue Growth (YoY)	-13.2%	+3.7%	+15.5%	+10.8%	+31.0%
Revenues Before Loan Losses	3.58B	3.30B	3.22B	3.15B	3.75B
Interest Income on Loans	5.20B	5.05B	4.75B	4.55B	5.12B
Net Interest Income	2.33B	2.33B	2.12B	2.19B	2.52B
Net Interest Income Growth (YoY)	-7.8%	+8.8%	-0.6%	+2.0%	+12.7%
Non-Interest Income Growth (YoY)	+1.6%	+9.9%	+18.6%	+13.2%	+39.6%
Total Non-Interest Income	1.25B	0.97B	1.10B	0.96B	1.23B
Other Non-Interest Income	575.34M	684.50M	600.38M	611.20M	559.47M
Gain (Loss) on Sale of Assets	293.31M	—	—	—	82.85M
Gain (Loss) on Sale of Equity Investments	39.07M	98.51M	166.85M	76.93M	206.57M
Gain (Loss) on Sale of Investments	140.90M	—	—	—	96.66M
Expenses & Provisions
Selling, General & Administrative	329.56M	322.15M	321.27M	277.99M	304.77M
Interest Paid on Deposits	2.88B	2.72B	2.62B	2.36B	2.59B
Total Non-Interest Expense	989.14M	966.35M	924.63M	882.65M	870.78M
Provision for Loan Losses	224.81M	35.56M	93.23M	163.00M	-106.86M
Salaries and Employee Benefits	604.45M	579.53M	532.21M	540.64M	501.61M
Occupancy Expenses	55.13M	64.67M	71.15M	64.03M	64.40M
Asset Writedown	31.15M	—	—	—	16.00M
Profitability & Returns
EBT Excluding Unusual Items	2.36B	2.30B	2.20B	2.11B	2.99B
Pretax Income	2.39B	2.30B	2.20B	2.11B	3.00B
Profit Margin	+55.3%	+57.0%	+54.2%	+55.3%	+64.8%
Net Income	2.04B	1.86B	1.86B	1.74B	2.63B
Net Income to Common	1.85B	1.86B	1.69B	1.65B	2.50B
Net Income Growth	-22.6%	-8.2%	+10.8%	+9.2%	+25.4%
Earnings From Continuing Ops.	2.13B	1.95B	1.93B	1.80B	2.72B
Minority Interest in Earnings	-86.58M	-87.90M	-75.05M	-57.74M	-82.33M
Income Tax Expense	266.09M	350.52M	267.69M	310.82M	286.64M
Effective Tax Rate	+11.1%	+15.2%	+12.2%	+14.7%	+9.5%
Per Share & Capital
EPS (Basic)	0.26	0.26	0.23	0.23	0.35
EPS (Diluted)	0.26	0.26	0.23	0.23	0.35
EPS Growth	-25.8%	-4.2%	+8.5%	+9.7%	+27.2%
Dividend Per Share	0.35	—	—	—	0.45
Shares Change (YoY)	—	—	—	—	—
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%	—	—	—	—
Free Cash Flow	-23.07B	-10.19B	-16.76B	-9.06B	-2.45B
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
Payout Ratio	+8.0%	—	+8.8%	+191.9%	+4.4%
Preferred Dividends & Other Adjustments	186.14M	—	164.14M	86.09M	135.23M