Dubai Islamic Bank Pjsc · DFM:DIB
Dubai Islamic Bank Pjsc — 9M 2026 Earnings Presentation
34 slides from Dubai Islamic Bank Pjsc's earnings presentation, October 2026
Slide 1: DIB Earnings Call Presentation 9M 2026
DIB Earnings Call Presentation 9M 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: Global growth and inflation normalize while US rates and oil prices remain high
Global growth and inflation rate normalizes while US federal rates increased and oil prices remains high Real GDP growth rate (%) USD Effective Federal Funds Rate Global EM 4.33% 4.33% 4.12% 3.88% 3.87% 4.5% 4.4% 3.64% 3.63% 3.9% 4.2% 3.4% 3.4% 3.4% Jan 2025 Jan 2026 Dec 2025 Apr 2025 Aug 2025 Apr 2
Slide 5: UAE economy expected to rebound in 2027 supported by oil GDP growth
UAE economy is expected to rebound in 2027 supported by growth in oil GDP UAE’s Real GDP Growth (%) UAE’s Purchasing Managers Index (PMI) PMI Threshold (above 50 means expansion) 7.7% 56.6 55.3 55.2 55.0 54.4 54.8 55.0 55.3 6.6% 6.2% 54.1 53.3 52.6 1.6% 50 Post US-Iran conflict May-24 May-25 May-26
Slide 6: UAE growth enabled by diversification, credit expansion and sustained investments
UAE growth is enabled by economic diversification, credit expansion and sustained investments The UAE’s economy continues to strengthen through non-oil GDP growth, I Economic proactive policy measures, sustained public infrastructure investment, resilient 4.8% YoY non-oil diversification local busin
Slide 7: Contents
Contents 1 Macro-economic Operating Environment Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 7
Slide 8: 9M'26 Performance Summary
9M’26 Performance Summary: Healthy financial performance driven by sustained business momentum and balance sheet strength Growth Earnings Asset quality Capital and liquidity Total assets increased by Bank’s gross revenue NPF Ratio improved by 30 Bank maintained strong 3% YTD to AED 427 Bn, grew by 7
Slide 9: Healthy income continues to drive strong returns
Healthy income continues to drive strong returns Income Statement 9M’26 highlights AED Bn 9M’26 9M’25 YoY % Q3’26 Q2’26 QoQ % Gross Funded Income 15.5 14.3 8% 5.3 5.2 1% Bank’s gross revenue grew strongly by 7% Non-Funded Income 3.1 3.0 2% 0.9 1.0 (8%) YoY to AED 18.6 Bn in 9M’26, primarily Gross re
Slide 10: Diversified revenue streams and stable margins support resilient earnings
Bank’s diversified revenue streams and stable margins continue to support a resilient earnings profile Net Funded Income (AED Bn) Margins1 (%) (3%) YoY Yield CoF Profit Margin 2.3 2.3 2.3 2.3 2.3 2.2 2.1 5.8% 5.8% 5.8% 5.7% 5.4% 5.4% 5.4% 3.4% 3.4% 3.4% 3.4% 3.2% 3.2% 3.3% 2.9% 2.7% 2.7% 2.6% 2.5% 2
Slide 11: Disciplined cost management drove resilient profitability
Disciplined cost management remained a key driver of resilient profitability Operating Expenses and Cumulative Cost-to-Income ratio Operating Expenses Composition (Q3’26) Operating Costs (AED Mn) Cummulative Cost-to-Income Ratio (%) Personnel 46% 1,000 30. 0% 29. 0% 900 29.0% 28. 0% AED General & Ad
Slide 12: Balance sheet expansion driven by financing asset growth
Balance sheet expansion was driven by sustained financing asset growth Balance Sheet (AED Bn) 9M’26 Highlights AED Bn Q3’26 Q4’25 YTD % Q3’25 YoY % Net financing assets grew by 10% YTD to AED 287 Bn, Net Financing Assets 287 262 10% 248 16% supported by gross new financing of AED 69 Bn in the Sukuk
Slide 13: Portfolio diversification supported broad-based growth in financing assets
Portfolio diversification supported broad-based growth in financing assets Net Financing Assets (AED Bn) Sukuk Investments (AED Bn) 16% (11%) YoY YoY 271 281 287 248 262 223 237 89 95 91 93 84 85 85 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Total Assets Comp
Slide 14: Prudent risk management maintained healthy asset quality
Prudent risk management maintained healthy asset quality metrics NPF1 and NPF Ratio2 Impairment charges and Cost of Risk3 NPF (AED Bn) NPF Ratio (%) Qtly. Impairment charges (AED Mn) Cummulative CoR (%) (70 bps) 450 0.60% 400 0.50% 0.28% 350 3.7% 3.4% 0.45% 0.25% 0.40% 9.0 3.1% 300 0.20% 0.30% 2.7%
Slide 15: Portfolio quality strengthened as Stage 3 exposures declined
Portfolio quality strengthened further as Stage 3 exposures declined Stage 1 Gross Exposures (AED Bn) Stage 2 Gross Exposures (AED Bn) Stage 3 Gross Exposures (AED Bn) 17% YoY (3%) 275 YoY 260 270 251 (11%) 225 236 211 11 11 YoY 10 10 10 10 9 9 8 8 7 7 7 7 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Q
Slide 16: Stable and diversified funding base supported healthy liquidity
Stable and diversified funding base supported healthy liquidity Funding Sources (Q3’26) Customer Deposits Total Deposits (AED Bn) CASA (%) Customer Deposits 76% 7% YoY 300 Equity 13% 280 61% AED 260 37% 51% Sukuk Financing 4% 36% 35% 36% 240 427 Bn 220 34% 34% 34% 41% 200 31% Other Payables 4% 180 1
Slide 17: Robust capital position reinforced capacity for growth
Robust capital position reinforced the Bank’s capacity for continued growth Regulatory Capital1 (AED Bn) Regulatory Capital Ratios (%) CET 1 AT1 Tier 2 CAR CET1 Tier 1 20. 0% YTD 51.4 19. 0% 17.3% growth 47.3 48.6 48.1 49.9 16.7% 46.0 46.3 16.6% 16.5% 18. 0% 2.2 2.1 2.2 2.3 2.3 15.8% 16.1% +100 bps
Slide 18: Contents
Contents 1 Macro-economic Operating Environment Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 18
Slide 19: Consumer Business
Consumer Business : Franchise continues to expand with strong financing and deposit growth while maintaining healthy yields Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Exposure by products2 (Q3’26) Non Funded Income Net Funded Income Gross Yields 25% Home Finance (11%) 43% YoY
Slide 20: Local and Cross-Border Corporate Business
Local and Cross-Border Corporate Business : Healthy balance sheet growth supported by a diversified portfolio and stable yields Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Exposure by sectors2 (Q3’26) Non Funded Income Real Estate 19% Net Funded Income Gross Yields Services 18
Slide 21: Commercial Business
Commercial Business : Strong growth momentum supported by healthy yields and a high CASA balances Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Key Highlights: Non Funded Income Commercial business revenue grew to AED 293 Net Funded Income Gross Yields Mn in Q3’26 supported by s
Slide 22: Treasury Business
Treasury Business : Franchise performance continues to be supported by healthy yields Revenue and Gross Yields (AED Mn,%)1 Sukuk (AED Bn) Net Funded Income Non Funded Income (25%) Gross Yields YoY (10%) YoY 800 7.0 0% 6.8 0% 617 620 631 611 644 629 6.6 0% 6.4 0% 6.2 0% 6.0 0% 600 75 74 73 73 83 108
Slide 23: Investment in digital transformation driving adoption of digital banking
Continued investment in digital transformation initiatives is driving greater adoption of digital banking services and enhancing operational efficiency Digital Registered Users1 (Mn) Key Highlights • Targeted digital campaigns supported growth in user base and transaction 14% volumes, driving custom
Slide 24: Sustainability remains integral to growth strategy
Sustainability remains integral to the growth strategy and value creation agenda Key pillars of DIB’s Sustainability Key Highlights Strategy New sustainable financing Value beyond banking Expanded framework AED 6.7bn of sustainable and Continued development of Published an enhanced sustainability-li
Slide 25: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 25
Slide 26: 9M'26 performance on track to meet FY'26 guidance
9M’26 performance remained on track to meet FY’26 guidance 9M’26 Highlights: 9M’26 actual vs. FY 2026 guidance Net Financing assets and Sukuk Target Metrics FY 2026 Guidance 9M’26 Actuals investments grew by 6% YTD to AED 372 Bn, with net financing assets outpacing overall growth at 10% YTD. Net Fin
Slide 27: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 27
Slide 28: Dubai Islamic Bank – A leading global Islamic bank
Dubai Islamic Bank – 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 427 Bn in assets Corporate Banking Well established franchise serving >11 Mn
Slide 29: Bank's strategy aligned with UAE's 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 549 branches across the group. • Focused growth, underpinned by Strong underwriting Clear Strategy & F
Slide 31: Consolidated Balance Sheet
Consolidated Balance Sheet Balance Sheet (AED Bn) 9M’26 FY’25 Assets Cash and balances with central banks 29.6 36.9 Due from banks and financial institutions 5.0 5.4 Islamic financing and investing assets, net 287.1 262.1 Investments in Islamic Sukuk measured at amortized cost 85.0 90.6 Other invest
Slide 32: Consolidated Income Statement
Consolidated Income Statement Income Statement (AED Bn) 9M’26 9M’25 Total Income Income from Islamic financing and investing transactions 15.5 14.3 Commissions, fees and foreign exchange income 1.3 1.4 Income from other investments measured at fair value, net 0.0 0.0 Income from properties held for
Slide 33: DIB Debt Capital Markets - Deals and transactions in 9M'26
DIB Debt Capital Markets - Deals and transaction in 9M’26 January 2026 January 2026 January 2026 January 2026 January 2026 January 2026 Kuwait Finance House Al Rajhi Bank Saudi Telecom Company Bank Albilad Saudi Electricity Company Energy Development Oman US$ 1.00bn US$ 1.00bn US$ 2.0bn US$ 500mn US
Slide 34: Dubai Islamic Bank PJSC contact details
Dubai Islamic Bank PJSC, P. O. Box: 1080, Dubai, UAE +971 4 207 54540 Email: IR@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 Download the Annual Report 2025. Sustainabilit
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