Dubai Islamic Bank Pjsc · DFM:DIB
Dubai Islamic Bank Pjsc — Dubai Islamic Bank — FY2025 Earnings Presentation
41 slides from Dubai Islamic Bank Pjsc's earnings presentation, Feb 11, 2026
Slide 1: DIB Investor Presentation FY 2025
DIB Investor Presentation FY 2025 DIB Investor Presentation H1 2025
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 Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 3
Slide 4: Global growth normalizes as inflation cools and rates ease
Global growth normalizes as inflation cools and rates ease Global GDP Growth (%) Expected growth by major economies (% - 2026f) 4.8% China 4.2% EM 3.3% 3.3% 3.2% 1.7% EU 3.1% 2.0% US 2023 2024 2025e 2026f Global Inflation (%) UST Yields (%) 4.6 2-Year 5-Year 6.7% 4.5 4.4 5.8% 4.2 4.2 4.2 4.2 4.0 4.1
Slide 5: GCC maintains outperformance supported by continued diversification efforts
GCC maintains outperformance supported by continued diversification efforts GCC Economies’ GDP Growth (%) Non-oil vs Oil contribution (2026f) Key Comments: Non-Oil Oil 4.5% GCC Growth has outperformed major 4.0% economies’, supported by strong domestic 23% 15% demand, reform momentum, and resilient
Slide 6: UAE growth accelerated due to continued structural diversification and robust domestic demand
UAE growth accelerated due to continued structural diversification and robust domestic demand UAE GDP Growth (%) UAE Non-Oil GDP Breakdown (H1 ‘25) Key Comments: Trade 16% UAE economy has sustained consistent Finance & Insurance 14% growth trajectory, moving from 4.3% 5.2% expansion in 2023 to 5%+ p
Slide 7: Dubai economy remains on solid growth track
Dubai economy remains on solid growth track with underlying indicators continuing to trend positively Dubai GDP (H1 ’25) Dubai Key Sectors YoY Growth Rate (H1’25 vs H1’24) – (%) Trade 24% Construction 8.5% Finance & Insurance 13% 13% Real Estate 7.0% Transportation & Storage Real Estate 8% Finance &
Slide 8: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 8
Slide 9: Performance Summary: FY'25 results underscore continued progress against stated priorities
Performance Summary: FY’25 results underscore continued progress against stated priorities FY’25 Highlights: FY’25 actual vs. guidance Growth FY 2025 FY 2025 Target Metrics Guidance Actuals • Robust balance sheet growth of 21% Net Financing and YoY crossing the AED 400 bn mark Sukuk growth 15% 20% ✓
Slide 10: Income Statement: Resilient and diversified revenue levers and low cost of risk drive growth
Income Statement: Resilient and diversified revenue levers and low cost of risk drive growth in earnings Income Statement (AED Mn) FY’24 FY’24* YoY % Q4’24 AED Mn FY’25 Q4’25 QoQ % (Reported) (Normalised) (v normd.) (Reported) Net Funded Income 8,972 8,949 8,691 3% 2,326 2,522 (8%) Non-Funded Income
Slide 11: Revenue Drivers: Stable funded income and strong growth in non-funded income
Revenue Drivers: Stable funded income and strong growth in non- funded income Net Funded Income (AED Mn) Margins (%) Yield* CoF* Profit Margin* 2,522 2,333 2,326 2,148 2,135 2,144 2,192 2,122 6.5% 6.4% 6.5% 6.5% 5.8% 5.8% 5.8% 5.7% 4.0% 4.0% 4.0% 4.0% 3.4% 3.4% 3.4% 3.4% 3.0% 3.0% 3.0% 3.0% 2.9% 2.7
Slide 12: Operating Efficiency: Investing for growth while preserving cost discipline
Operating Efficiency: Investing for growth while preserving cost discipline Operating Expenses (AED Mn) & Cost to Income (%) FY’25 Operating Expenses Composition Operating Costs Cumm. Cost-to-Income Ratio Personnel 60% 28%* 28.3% 27.8% 28.1% 28.4% 28.7% 28.4% 1000 26.7% 28.0% 30.0% 900 966 991 AED 8
Slide 13: Balance Sheet: Solid growth momentum as total assets grow by 21% to AED 416 billion
Balance Sheet: Solid growth momentum as total assets grow by 21% to AED 416 billion Balance Sheet (AED Bn) FY‘25 Highlights AED Bn FY’25 FY’24 YoY % Q3 ’25 QoQ % Net Financing Assets 262 212 23% 248 6% Solid growth in net financing assets of 23% YoY, Sukuk Investments 91 82 10% 95 (4%) supported by
Slide 14: Assets: Healthy growth in Financing Assets as asset mix remains well-diversified
Assets: Healthy growth in Financing Assets as asset mix remains well-diversified Net Financing Assets (AED Bn) Sukuk Investments (AED Bn) +23% +10% YoY YoY 248 262 223 237 201 199 207 212 95 84 89 91 76 79 79 82 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'2
Slide 15: Asset Quality (1/2)
Asset Quality (1/2) : Robust metrics with low NPF ratio, strengthened coverage and sustained low cost of risk NPF* (AED Mn) and NPF Ratio1 (%) Impairment charges (AED Mn) and Cost of Risk (CoR %) NPF (AED Bn) NPF Ratio (%) Qtly. Impairment charges (AED Mn) Cummulative CoR +135 bps (YoY) 0.40% 0.44%
Slide 16: Asset Quality (2/2)
Asset Quality (2/2) : Stronger portfolio quality as stage 2 and stage 3 exposures continue to reduce Stage 1 Gross Exposures (AED Bn) Stage 2 Gross Exposures (AED Bn) Stage 3 Gross Exposures (AED Bn) +26% (7%) (22%) YoY YoY YoY 251 14 236 13 225 12 211 199 11 11 11 11 184 184 192 10 10 10 9 9 9 8 8
Slide 17: Liquidity: Robust deposit growth with ample and diversified liquidity sources
Liquidity: Robust deposit growth with ample and diversified liquidity sources Funding Sources (FY’25, %) Customer Deposits (AED Bn) and CASA (%) Total Deposits CASA % +29% Customer Deposits 77% 300 YoY 280 Equity 13% 260 61% AED 240 51% Sukuk Financing 6% 416 Bn 220 41% 200 Other Payables 4% 38% 42%
Slide 18: Regulatory Capital: Well-positioned capital base supporting strong asset growth
Regulatory Capital: Well-positioned capital base supporting strong asset growth Regulatory Capital1 (AED Bn) Regulatory Capital Ratios (%) CET 1 AT1 Tier 2 20.0% 17.5% 18.1% 18.3% 18.3% 17.3% 16.7% 48.6 16.6% 44.1 45.6 47.4 47.0 46.0 47.3 46.3 15.5% 3.0 2.9 3.2 2.2 2.1 15.0% 16.4% 16.9% 17.1% 17.2%
Slide 19: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 19
Slide 20: Consumer Business: Franchise scaling with strength
Consumer Business : Franchise scaling with strength Revenue and Gross Yields (AED Mn,%)* Net Financing Assets AED Bn) Gross Assets by product (FY’25, %) Non Funded Income Net Funded Income Gross Yields +22% +10% YoY Home Finance 42% YoY 1,40 0 4,392 4,852 10. 00% 102 9.0 0% Personal Finance 34% 194
Slide 21: Local & Cross-Border Corporate Business
Local & Cross-Border Corporate Business : Solid 24% YoY growth in net financing and 36% YoY growth in deposits Revenue and Gross Yields (AED Mn,%)* Net Financing Assets (AED Bn) Gross Assets by sector (FY’25,%) Non Funded Income Net Funded Income Real Estate 19% Gross Yields +24% Govt 18% (2%) YoY 1
Slide 22: Treasury Business: Portfolio growth remains robust with double-digit growth
Treasury Business : Portfolio growth remains robust with double-digit growth Revenue and Gross Yields (AED Mn,%)* Sukuk (AED Bn) Net Funded Income Non Funded Income Gross Yields +3% +10% 2,542 YoY YoY 2,624 800 6.0 0% 5.8 0% 700 73 75 74 73 5.6 0% 82 51 160 73 5.4 0% 95 5.2 0% 600 5.0 0% 4.8 0% 4.6
Slide 23: Digital: Another strong year in delivering simple and seamless digital banking services
Digital: Another strong year in delivering simple and seamless digital banking services to the growing customer base Key Highlights Digital Registered Users* (Mn) +15% 15% YoY growth in digital registered user YoY 1.65 1.71 base depicting strong growth momentum. 1.48 1.54 1.59 1.37 1.40 1.43 2000+ m
Slide 24: Sustainability: Significant improvement in ESG ratings
Sustainability : Significant improvement in ESG ratings demonstrates DIB’s achievements and ongoing aspirations to lead the sector within this space The Bank’s activities undertaken in 2025 delivered meaningful and positive progress in advancing strategic objectives to “Finance a Sustainable Future”
Slide 25: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 25
Slide 26: Performance Summary: FY'25 results underscore continued progress against stated priorities
Performance Summary: FY’25 results underscore continued progress against stated priorities FY’25 Highlights: FY’25 actual vs. guidance Growth FY 2025 FY 2025 Target Metrics Guidance Actuals • Robust balance sheet growth of 21% Net Financing and YoY crossing the AED 400 bn mark Sukuk growth 15% 20% ✓
Slide 27: Looking Ahead
Looking Ahead Key Comments: FY’26 guidance Growth Target Metrics FY 2026 Guidance We shall continue building on FY’25’s asset momentum supported by healthy demand across consumer and wholesale segments Net Financing and 10% Sukuk growth Efficiency Net Profit Margin 2.3% Measured expense growth and s
Slide 28: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 28
Slide 29: 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 416Bn in assets Corporate Banking Well established franchise, serving > 5mn customers, with
Slide 30: 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 31: 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 > 5mn customers across network of over 540 branches across the group. • Focused growth, underpinned by Strong underwriting Clear Strategy & Foc
Slide 32: Decade of delivering Strong shareholder returns
Decade of delivering Strong shareholder returns Share Price Movement (AED, Jan’13 – Dec’25) 11. 0 10. 0 9.0 8.0 7.0 6.0 5.0 4.0 3.0 2.0 1.0 Jan-13 Jun-13 Nov-13 Apr-14 Sep-14 Feb-15 Jul-15 Dec-15 May-16 Oct-16 Mar-17 Aug-17 Jan-18 Jun-18 Nov-18 Apr-19 Sep-19 Feb-20 Jul-20 Dec-20 May-21 Oct-21 Mar-22
Slide 33: Consolidated Income Statement
Consolidated Income Statement Income Statement (AED Mn) FY’25 FY’24 Total Income Income from Islamic financing and investing transactions 19,548 19,454 Fees & Commission 1,874 1,748 Income / (loss) from other investments measured at fair value 28 17 Income from properties held for development and sa
Slide 34: Consolidated Balance Sheet
Consolidated Balance Sheet Balance Sheet (AED Mn) FY’25 FY’24 Assets Cash and balances with central banks 36,870 26,700 Due from banks and financial institutions 5,387 5,642 Islamic financing and investing assets, net 262,055 212,427 Investments in Islamic Sukuk measured at amortized cost 90,589 82,
Slide 35: DIB's ESG Vision and 2030 ESG Strategy
DIB’S ESG Vision and 2030 ESG Strategy “Own the “Own theESG ESGspace” Space” Strategic Pillars Lead by Example Finance a Sustainable Future Priority Areas 1 Embrace 2 Enhance 3 Drive 4 Reduce 5 Champion 6 Propel 7 Promote 8 Embed ESG Diversity & Employee Transparency & Operational Business Ethics Su
Slide 36: DIB Debt Capital Markets – Deal Experience
DIB Debt Capital Markets – Deal Experience Deals and Transactions in 2025 - (1/4) Sovereigns and Supranationals November 2025 November 2025 November 2025 October 2025 September 2025 September 2025 September 2025 Republic of Indonesia Emirate of Sharjah State of Qatar Sultanate of Oman Islamic Corpor
Slide 37: DIB Debt Capital Markets – Deal Experience
DIB Debt Capital Markets – Deal Experience GRE and Corporate Transactions in 2025 - (2/4) GREs October 2025 October 2025 October 2025 September 2025 April 2025 April 2025 Oman Electricity Turk Telekom DP World Transmission Company Dubai Aerospace Saudi Aramco Public Investment Fund US$ 750mn US$ 600
Slide 38: DIB Debt Capital Markets – Deal Experience
DIB Debt Capital Markets – Deal Experience Financial Institutions Transactions in 2025 - (3/4) Financial Institutions November 2025 November 2025 November 2025 October 2025 October 2025 September 2025 September 2025 Qatar International Kuwait Finance House Dubai Islamic Bank Sharjah Islamic Bank Vak
Slide 39: DIB Debt Capital Markets League Tables Standing
DIB Debt Capital Markets League Tables Standing - (4/4) EMEA Islamic Finance – MLA League Table Rank Lead Manager Volume $ No. of Deals 1 International Islamic Trade Finance Corporation 7,974 22 2 Emirates NBD 6,228 29 Ranked #3 3 Dubai Islamic Bank 5,173 12 4 Abu Dhabi Islamic Bank 4,636 14 Globall
Slide 40: Select Award & Accolades
Select Award & Accolades MEA Finance • Best Overall Deal of the year SME Summit Best Islamic Bank for • Best Islamic Retail Bank and Awards SMEs 2025 Euromoney 16th Annual • Best Islamic Bank in the UAE Islamic Awards for Best Deal & Finance • Social Impact, SRI ESG Deal Excellence Solution News • I
Slide 41: Investor Relations contact
P. O. Box: 1080, Dubai, UAE +971 4 207 5454, email: investorrelations@dib.ae www.dib.ae/ir