Dubai Islamic Bank Pjsc · DFM:DIB
Dubai Islamic Bank Pjsc — Q1 2026 Earnings Presentation
33 slides from Dubai Islamic Bank Pjsc's earnings presentation, April 2026
Slide 1: DIB Investor Presentation Q1 2026
DIB Investor Presentation Q1 2026
Slide 2: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading the presentation slides, you agree to be bound by the following limitations: This presentation may contain statements about future events and expectations that are forward-looking statements. These statements typicall
Slide 3: Contents
Contents 1 Macro-economic Operating Environment Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 3
Slide 4: UAE operating environment remains stable amid regional developments
UAE operating environment remains stable amid regional developments ✓ Retail, transport and other essential services operating without disruptions Economic ✓ Authorities are closely monitoring prices, inventory and sufficient supply availability Sustained Investor Activities confidence ✓ Clear publi
Slide 5: Moody's affirms UAE sovereign strength and stability
Moody’s affirms UAE sovereign strength and stability Exceptional fiscal buffers and balance sheet strength Strong government finances, supported by substantial fiscal reserves, low debt burden and a long track record of balanced budget execution Strong policy coordination and federal level financial
Slide 6: Proactive UAE Central Bank measures reinforce financial system resilience
Proactive UAE Central Bank measures reinforce financial system resilience UAE Banking System Financial institution resilience package (as of Q4’25) Access to reserve balances up to 30% of the cash reserve AED 5.3 Tn I Monetary policy measures requirement and availability of term liquidity facilities
Slide 7: DIB's response: Operational stability, Continuity and Disciplined Execution
DIB’s response: Operational stability, Continuity and Disciplined Execution Operational resilience supported by Customer confidence and Sound capitalization strong digital capabilities engagement remain resilient and ample liquidity ❖ Comprehensive crisis management, business ❖ Continued financing a
Slide 8: Contents
Contents 1 Macro-economic Operating Environment Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 8
Slide 9: Performance Summary: Resilience and strength across key financial pillars
Performance Summary: Resilience and strength across key financial pillars • DIB’s balance sheet expansion continued in Q1’26 Growth • Net financing and Sukuk investments grew by 3% YTD to AED 364 Bn in Q1’26 • The Bank achieved strong 13% YoY growth in operating revenue to AED 3.5 Bn Earnings • 12%
Slide 10: Strong and diversified revenue supporting earnings growth and healthy returns
Strong and diversified revenue supporting earnings growth and healthy returns Income Statement Q1’26 highlights AED Mn Q1’25 Q1’26 YoY % Q4’25 QoQ % Strong growth in operating revenue of AED Net Funded Income 2,192 2,300 5% 2,325 (1%) 3.5 Bn in Q1’26, up by 13% YoY compared Non-Funded Income 962 1,2
Slide 11: Diversified revenue base supporting sustainable earnings
Diversified revenue base supporting sustainable earnings Net Funded Income (AED Mn) Margins1 (%) Yield CoF Profit Margin 2,333 2,326 2,300 2,192 2,122 5.8% 5.8% 5.8% 5.7% 5.4% 3.4% 3.4% 3.4% 3.4% 3.2% 2.9% 2.7% 2.7% 2.6% 2.5% Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Non-Funded Inc
Slide 12: Cost discipline drives solid 12% YoY operating profit growth
Cost discipline drives solid 12% YoY operating profit growth Operating Expenses and Cost-to-Income ratio Q1’26 Operating Expenses Composition Operating Costs (AED Bn) Cost-to-Income Ratio (%) Personnel 57% 1,000 28.0% 28.4% 28.4% 30. 0% 900 28.2% 29. 0% 28.7% 28. 0% AED General & Administrative 35%
Slide 13: Disciplined balance sheet growth with strong funding support
Disciplined balance sheet growth with strong funding support Balance Sheet (AED Bn) Q1’26 Highlights AED Bn Q4’25 Q1’26 YTD% Q1 ’25 YoY % The Bank’s net financing assets grew by 3% YTD, Net Financing Assets 262 271 3% 223 22% supported by gross new financing of more than AED Sukuk Investments 91 93
Slide 14: Healthy asset growth with a diversified portfolio mix
Healthy asset growth with a diversified portfolio mix Net Financing Assets (AED Bn) Sukuk Investments (AED Bn) 22% 11% YoY YoY 262 271 237 248 223 95 89 91 93 84 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Total Assets Composition (Q1’26,%) Gross Financing by Sector (Q1’26,%) Consume
Slide 15: Asset Quality strengthened further by low NPF and higher coverage
Asset Quality strengthened further by low NPF and higher coverage NPF1 and NPF Ratio2 Impairment charges and Cost of Risk NPF (AED Bn) NPF Ratio (%) Qtly. Impairment charges (AED Mn) Cummulative CoR (%) 119 bps 450 0.60% 400 0.50% 350 3.7% 3.4% 0.45% 0.40% 9.0 3.1% 300 0.20% 0.30% 2.7% 2.5% 250 0.16
Slide 16: Portfolio quality improving with declining Stage 2 and Stage 3 exposures
Portfolio quality improving with declining Stage 2 and Stage 3 exposures Stage 1 Gross Exposures (AED Bn) Stage 2 Gross Exposures (AED Bn) Stage 3 Gross Exposures (AED Bn) 24% (11%) (22%) YoY YoY YoY 251 260 225 236 211 11 10 10 10 9 9 8 8 7 7 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q1'25 Q2'25 Q3'25 Q4'25 Q1
Slide 17: Liquidity remains strong with diversified and stable funding sources
Liquidity remains strong with diversified and stable funding sources Funding Sources (Q1’26, %) Customer Deposits and CASA Total Deposits (AED Bn) CASA (%) 22% Customer Deposits 77% 300 YoY 280 Equity 13% 260 61% AED 240 37% 36% 36% 36% 51% Sukuk Financing 5% 34% 420 Bn 220 41% 200 Other Payables 4%
Slide 18: Healthy capital position supporting balance sheet expansion
Healthy capital position supporting balance sheet expansion Regulatory Capital1 (AED Bn) Regulatory Capital Ratios (%) CET 1 AT1 Tier 2 CAR CET1 Tier 1 21. 0% 48.6 QoQ 46.0 47.3 46.3 48.1 17.3% growth: 19. 0% 3.2 2.2 2.1 2.2 16.7% 16.6% 3.1 7.3 15.8% +30 bps 7.3 7.3 7.3 7.3 17. 0% 15.5% 15. 0% 16.1%
Slide 19: Contents
Contents 1 Macro-economic Operating Environment Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 19
Slide 20: Consumer Business: Strong growth supported by stable yields
Consumer Business : Strong growth supported by stable yields Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Exposure by products2 (Q1’26) Non Funded Income Net Funded Income Gross Yields 22% Home Finance 41% 140 0 1,254 1,272 10. 00% YoY 1,084 1,145 120 0 1,046 194 102 9.0 0% 129
Slide 21: Local and Cross-Border Corporate Business: Growth backed by diversified sector exposure
Local and Cross-Border Corporate Business : Growth backed by diversified sector exposure Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Exposure by sectors2 (Q1’26) Non Funded Income Net Funded Income Real Estate 19% Gross Yields Govt 18% 21% Services 18% 991 10. 00% 100 0 904 Yo
Slide 22: Treasury Business: Stable performance with sukuk portfolio growth
Treasury Business : Stable performance with sukuk portfolio growth Revenue and Gross Yields (AED Mn,%)1 Sukuk (AED Bn) Net Funded Income Non Funded Income Gross Yields 800 752 6.0 0% 11% 649 645 5.8 0% 614 77 611 5.6 0% 5.4 0% YoY 73 5.2 0% 600 72 73 83 5.0 0% 95 4.8 0% 4.6 0% 91 93 4.85% 4.89% 4.88
Slide 23: Strong momentum in digital channel adoptions
Strong momentum in digital channel adoptions Digital Registered Users1 (Mn) Key Highlights • 98% of our customers used our digital channels, reinforcing customers’ 16% preference towards digital-first banking. YoY Digital • 97% of transactions were processed digitally, reflecting the efficiency and
Slide 24: Sustainability: From Commitment to Action
Sustainability: From Commitment to Action Finance a sustainable future1 Embed ESG in decision Propel sustainable finance Promote financial inclusion Champion in business ethics making • AED 19.5 Bn sustainable finance • 1,800+ Trained through financial • 62% increase in Net promoter • 99% of the who
Slide 25: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 25
Slide 26: In summary, Q1'26 performance aligned with FY 2026 guidance
In summary, Q1’26 performance aligned with FY 2026 guidance Q1’26 Highlights: Q1’26 actual vs. FY 2026 guidance Bank’s Net Financing and Sukuk Target Metrics FY 2026 Guidance Q1’26 Actuals On Track portfolio continued its growth trajectory with 3% YTD growth at AED 364 Bn, driven by growth across ke
Slide 27: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 27
Slide 28: DIB – A leading global Islamic bank
DIB – A leading global Islamic bank Key Facts Key Businesses Dubai Islamic Bank was the first Islamic Bank in the world, established in 1975 Consumer Banking One of the largest Islamic Banks globally with AED 420 Bn in assets Corporate Banking Well established franchise serving >11 Mn clients, with
Slide 29: Bank's strategy aligned with UAE's ambitious and expansionary agenda
Bank’s strategy aligned with UAE’s ambitious and expansionary agenda Digital Robust Increase Versatile Engaging Transformation Foundation Value Operation Experience Technology Further strengthen Risk Selective and Strategic ESG focus across the Embed “Customer- Infrastructure Upgrade Management inte
Slide 30: Key Investment Highlights
Key Investment Highlights • Amongst World’s “Top 3” Islamic Banks by Total Assets A Leading Islamic Banking Franchise • #1 Islamic Bank in the UAE • Serving > 11 Mn customers across network of over +540 branches across the group. • Focused growth, underpinned by Strong underwriting Clear Strategy &
Slide 31: Consolidated Balance Sheet
Consolidated Balance Sheet Balance Sheet (AED Mn) Q1’26 FY’25 Assets Cash and balances with central banks 30,461 36,870 Due from banks and financial institutions 4,526 5,387 Islamic financing and investing assets, net 270,662 262,055 Investments in Islamic Sukuk measured at amortized cost 93,198 90,
Slide 32: Consolidated Income Statement
Consolidated Income Statement Income Statement (AED Mn) Q1’26 Q1’25 Total Income Income from Islamic financing and investing transactions 5,047 4,550 Commissions, fees and foreign exchange income 427 505 Income from other investments measured at fair value, net 2 1 Income from properties held for de
Slide 33: Dubai Islamic Bank PJSC
Dubai Islamic Bank PJSC, P. O. Box: 1080, Dubai, UAE +971 4 207 54540 Email: investorrelations@dib.ae DIB IR App – Download now! Google Play Store logo, Google Play App Store Android, wallets ... App store Google Play Apple, apple, text, logo png | PNGEgg Download the Annual Report 2025.
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