Dubai Islamic Bank

Dubai Islamic Bank PJSC

DIBStocksDubai Financial MarketBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	3.13B	3.35B	3.27B	3.13B	2.99B
Interest Income	5.05B	5.20B	5.05B	4.75B	4.55B
Interest Expense	2.75B	2.88B	2.72B	2.62B	2.36B
Pretax Income	2.13B	2.39B	2.30B	2.20B	2.11B
Income Tax	327.40M	266.09M	350.52M	267.69M	310.82M
Net Income	1.72B	1.85B	1.86B	1.69B	1.65B
Net Interest Income	2.30B	2.33B	2.33B	2.12B	2.19B
Non-Interest Income	1.25B	1.25B	0.97B	1.10B	0.96B
Non-Interest Expense	1.00B	0.99B	0.97B	0.92B	0.88B
Loan Loss Provisions	416.40M	224.81M	35.56M	93.23M	166.50M
EPS (Basic)	0.24	0.26	0.26	0.23	0.23
EPS (Diluted)	0.24	0.26	0.26	0.23	0.23
Margins & Efficiency
Net Margin %	+54.8%	+55.3%	+57.0%	+54.2%	+55.4%
Revenue & Income
Revenue	3.13B	3.35B	3.27B	3.13B	2.99B
Revenue	3.13B	3.35B	3.27B	3.13B	2.99B
Revenue Growth (YoY)	+4.8%	-13.2%	+3.7%	+15.5%	+10.7%
Revenues Before Loan Losses	3.55B	3.58B	3.30B	3.22B	3.15B
Interest Income on Loans	5.05B	5.20B	5.05B	4.75B	4.55B
Net Interest Income	2.30B	2.33B	2.33B	2.12B	2.19B
Net Interest Income Growth (YoY)	+4.9%	-7.8%	+8.8%	-0.6%	+2.0%
Non-Interest Income Growth (YoY)	+29.8%	+1.6%	+9.9%	+18.6%	+13.2%
Total Non-Interest Income	1.25B	1.25B	0.97B	1.10B	0.96B
Other Non-Interest Income	1.01B	0.58B	0.68B	0.60B	0.61B
Gain (Loss) on Sale of Assets	—	293.31M	—	—	—
Gain (Loss) on Sale of Equity Investments	73.06M	39.07M	98.51M	166.85M	76.93M
Gain (Loss) on Sale of Investments	—	140.90M	—	—	—
Expenses & Provisions
Selling, General & Administrative	352.88M	329.56M	322.15M	321.27M	277.99M
Interest Paid on Deposits	2.75B	2.88B	2.72B	2.62B	2.36B
Total Non-Interest Expense	1.00B	0.99B	0.97B	0.92B	0.88B
Provision for Loan Losses	416.40M	224.81M	35.56M	93.23M	166.50M
Salaries and Employee Benefits	574.95M	604.45M	579.53M	532.21M	540.64M
Occupancy Expenses	74.21M	55.13M	64.67M	71.15M	64.03M
Asset Writedown	-3.70M	31.15M	—	—	3.50M
Profitability & Returns
EBT Excluding Unusual Items	2.13B	2.36B	2.30B	2.20B	2.10B
Pretax Income	2.13B	2.39B	2.30B	2.20B	2.11B
Profit Margin	+54.8%	+55.3%	+57.0%	+54.2%	+55.4%
Net Income	1.72B	2.04B	1.86B	1.86B	1.74B
Net Income to Common	1.72B	1.85B	1.86B	1.69B	1.65B
Net Income Growth	-1.4%	-22.6%	-8.2%	+10.8%	+9.2%
Earnings From Continuing Ops.	1.80B	2.13B	1.95B	1.93B	1.80B
Minority Interest in Earnings	-82.64M	-86.58M	-87.90M	-75.05M	-57.74M
Income Tax Expense	327.40M	266.09M	350.52M	267.69M	310.82M
Effective Tax Rate	+15.4%	+11.1%	+15.2%	+12.2%	+14.7%
Per Share & Capital
EPS (Basic)	0.24	0.26	0.26	0.23	0.23
EPS (Diluted)	0.24	0.26	0.26	0.23	0.23
EPS Growth	+3.8%	-25.8%	-4.2%	+8.5%	+9.7%
Dividend Per Share	—	0.35	—	—	—
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	7.75B	-23.07B	-10.19B	-16.76B	-7.33B
Free Cash Flow Margin	+247.4%	-688.5%	-311.8%	-536.4%	-245.4%
Free Cash Flow Per Share	1.07	-3.19	-1.41	-2.32	-1.01
Payout Ratio	—	+8.0%	—	+8.8%	+191.9%
Preferred Dividends & Other Adjustments	—	186.14M	—	164.14M	86.09M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	3.13B	3.35B	3.27B	3.13B	2.99B
Interest Income	5.05B	5.20B	5.05B	4.75B	4.55B
Interest Expense	2.75B	2.88B	2.72B	2.62B	2.36B
Pretax Income	2.13B	2.39B	2.30B	2.20B	2.11B
Income Tax	327.40M	266.09M	350.52M	267.69M	310.82M
Net Income	1.72B	1.85B	1.86B	1.69B	1.65B
Net Interest Income	2.30B	2.33B	2.33B	2.12B	2.19B
Non-Interest Income	1.25B	1.25B	0.97B	1.10B	0.96B
Non-Interest Expense	1.00B	0.99B	0.97B	0.92B	0.88B
Loan Loss Provisions	416.40M	224.81M	35.56M	93.23M	166.50M
EPS (Basic)	0.24	0.26	0.26	0.23	0.23
EPS (Diluted)	0.24	0.26	0.26	0.23	0.23
Margins & Efficiency
Net Margin %	+54.8%	+55.3%	+57.0%	+54.2%	+55.4%
Revenue & Income
Revenue	3.13B	3.35B	3.27B	3.13B	2.99B
Revenue	3.13B	3.35B	3.27B	3.13B	2.99B
Revenue Growth (YoY)	+4.8%	-13.2%	+3.7%	+15.5%	+10.7%
Revenues Before Loan Losses	3.55B	3.58B	3.30B	3.22B	3.15B
Interest Income on Loans	5.05B	5.20B	5.05B	4.75B	4.55B
Net Interest Income	2.30B	2.33B	2.33B	2.12B	2.19B
Net Interest Income Growth (YoY)	+4.9%	-7.8%	+8.8%	-0.6%	+2.0%
Non-Interest Income Growth (YoY)	+29.8%	+1.6%	+9.9%	+18.6%	+13.2%
Total Non-Interest Income	1.25B	1.25B	0.97B	1.10B	0.96B
Other Non-Interest Income	1.01B	0.58B	0.68B	0.60B	0.61B
Gain (Loss) on Sale of Assets	—	293.31M	—	—	—
Gain (Loss) on Sale of Equity Investments	73.06M	39.07M	98.51M	166.85M	76.93M
Gain (Loss) on Sale of Investments	—	140.90M	—	—	—
Expenses & Provisions
Selling, General & Administrative	352.88M	329.56M	322.15M	321.27M	277.99M
Interest Paid on Deposits	2.75B	2.88B	2.72B	2.62B	2.36B
Total Non-Interest Expense	1.00B	0.99B	0.97B	0.92B	0.88B
Provision for Loan Losses	416.40M	224.81M	35.56M	93.23M	166.50M
Salaries and Employee Benefits	574.95M	604.45M	579.53M	532.21M	540.64M
Occupancy Expenses	74.21M	55.13M	64.67M	71.15M	64.03M
Asset Writedown	-3.70M	31.15M	—	—	3.50M
Profitability & Returns
EBT Excluding Unusual Items	2.13B	2.36B	2.30B	2.20B	2.10B
Pretax Income	2.13B	2.39B	2.30B	2.20B	2.11B
Profit Margin	+54.8%	+55.3%	+57.0%	+54.2%	+55.4%
Net Income	1.72B	2.04B	1.86B	1.86B	1.74B
Net Income to Common	1.72B	1.85B	1.86B	1.69B	1.65B
Net Income Growth	-1.4%	-22.6%	-8.2%	+10.8%	+9.2%
Earnings From Continuing Ops.	1.80B	2.13B	1.95B	1.93B	1.80B
Minority Interest in Earnings	-82.64M	-86.58M	-87.90M	-75.05M	-57.74M
Income Tax Expense	327.40M	266.09M	350.52M	267.69M	310.82M
Effective Tax Rate	+15.4%	+11.1%	+15.2%	+12.2%	+14.7%
Per Share & Capital
EPS (Basic)	0.24	0.26	0.26	0.23	0.23
EPS (Diluted)	0.24	0.26	0.26	0.23	0.23
EPS Growth	+3.8%	-25.8%	-4.2%	+8.5%	+9.7%
Dividend Per Share	—	0.35	—	—	—
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	7.75B	-23.07B	-10.19B	-16.76B	-7.33B
Free Cash Flow Margin	+247.4%	-688.5%	-311.8%	-536.4%	-245.4%
Free Cash Flow Per Share	1.07	-3.19	-1.41	-2.32	-1.01
Payout Ratio	—	+8.0%	—	+8.8%	+191.9%
Preferred Dividends & Other Adjustments	—	186.14M	—	164.14M	86.09M