Dubai Islamic Bank Pjsc · DFM:DIB
Dubai Islamic Bank Pjsc — H1 2026 Earnings Presentation
34 slides from Dubai Islamic Bank Pjsc's earnings presentation, 2026
Slide 1: DIB Earnings Call Presentation H1 2026
DIB Earnings Call Presentation H1 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 normalizes as inflation inches up and policy rates stabilizes
Global growth normalizes as inflation inches up and policy rates stabilizes GDP growth rate (%) USD Effective Federal Funds Rate Global EM 4.33% 4.33% 4.12% 3.87% 4.5% 4.4% 3.64% 3.63% 3.9% 4.2% 3.4% 3.4% 3.2% Jan 2025 Jan 2026 Dec 2025 Apr 2025 Aug 2025 Apr 2026 Mar 2025 Jun 2025 Oct 2025 Nov 2025
Slide 5: UAE's resilient fundamentals and investment agenda continues to support economic growth
UAE’s resilient fundamentals and investment agenda continues to support economic growth Key areas Key highlights Strong sovereign UAE’s strong credit profile is underpinned by strong ‘AA-’ ‘Aa2’ fiscal buffers, low government debt level, resilient rating by S&P rating by Moody’s credit profile insti
Slide 6: Diversified growth drivers continue to underpin UAE expansion
Diversified growth drivers continue to underpin UAE expansion Economic UAE’s GDP grew by 6.1% to AED 1.9 Tn in 2025 supported by strong momentum 3.1% I diversification across non-oil GDP which grew by 6.8% in the same period. Projected Real GDP growth in 2026 Inflation remains well-contained and bel
Slide 7: Contents
Contents 1 Macro-economic Operating Environment Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 7
Slide 8: H1'26 Performance Summary: Resilient financial performance supported by growth and balance sheet strength
H1’26 Performance Summary: Resilient financial performance supported by growth and balance sheet strength Growth Earnings Asset quality Capital and liquidity In H1’26 total assets Strong gross revenue NPF Ratio improved by Solid capital levels as grew by 2% YTD to AED growth of 10% YoY in 25 bps to
Slide 9: Strong revenue momentum sustaining healthy capital generation
Strong revenue momentum sustaining healthy capital generation Income Statement H1’26 highlights AED Mn H1’26 H1’25 YoY % Q2’26 Q1’26 QoQ % Bank’s gross revenue grew strongly by 10% Gross Funded Income 10,235 9,295 10% 5,187 5,047 3% YoY to AED 12.4 Bn in H1’26, driven by Non-Funded Income 2,204 2,05
Slide 10: Broad-based income generation support sustainable earnings growth
Broad-based income generation support sustainable earnings growth Net Funded Income (AED Mn) Margins1 (%) 8% YoY Yield CoF Profit Margin 2,333 2,326 2,300 2,291 2,192 2,122 5.8% 5.8% 5.8% 5.7% 5.4% 5.4% 3.4% 3.4% 3.4% 3.4% 3.2% 3.2% 2.9% 2.7% 2.7% 2.6% 2.5% 2.4% Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q
Slide 11: Sustained cost discipline underpins earnings resilience
Sustained cost discipline underpins earnings resilience Operating Expenses and Cumulative Cost-to-Income ratio Operating Expenses Composition (Q2’26) Operating Costs (AED Bn) Cummulative Cost-to-Income Ratio (%) Personnel 60% 1,000 30. 0% 29. 0% 900 29.0% 28. 0% AED General & Administrative 34% 800
Slide 12: Financing asset growth continues to drive balance sheet expansion
Financing asset growth continues to drive balance sheet expansion Balance Sheet (AED Bn) H1’26 Highlights AED Bn Q2’26 Q4’25 YTD % Q2’25 YoY % Net financing assets grew by 7% YTD to AED 281 Bn, Net Financing Assets 281 262 7% 237 18% supported by gross new financing of AED 43 Bn in Sukuk Investments
Slide 13: Well-diversified portfolio supports sustainable financing growth
Well-diversified portfolio supports sustainable financing growth Net Financing Assets (AED Bn) Sukuk Investments (AED Bn) 18% (5%) YoY YoY 271 281 248 262 223 237 89 95 91 93 84 85 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Total Assets Composition (Q2’26) Gross Financin
Slide 14: Prudently managed risk profile supports healthy asset quality metrics
Prudently managed risk profile supports 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 (%) (96 bps) 450 0.60% 400 0.50% 0.28% 350 3.7% 3.4% 0.45% 0.40% 9.0 3.1% 300 0.20% 0.30% 2.7% 2
Slide 15: Improving portfolio reflected in lower Stage 3 exposures
Improving portfolio reflected in lower Stage 3 exposures Stage 1 Gross Exposures (AED Bn) Stage 2 Gross Exposures (AED Bn) Stage 3 Gross Exposures (AED Bn) 20% (5%) (15%) YoY YoY YoY 260 270 251 225 236 211 11 10 10 10 10 9 9 8 8 7 7 7 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q1'25 Q2'25 Q3'25 Q4'25 Q1'2
Slide 16: Strong liquidity profile supported by diversified funding base
Strong liquidity profile supported by diversified funding base Funding Sources (Q2’26, %) Customer Deposits Total Deposits (AED Bn) CASA (%) 15% Customer Deposits 77% YoY 300 Equity 13% 280 61% AED 260 37% 51% Sukuk Financing 4% 36% 36% 36% 240 423 Bn 220 34% 34% 41% 200 31% Other Payables 4% 180 16
Slide 17: Robust capital buffers provide capacity for continued business growth
Robust capital buffers provide capacity for continued business growth Regulatory Capital1 (AED Bn) Regulatory Capital Ratios (%) CET 1 AT1 Tier 2 CAR CET1 Tier 1 20. 0% YTD 19. 0% 17.3% growth 47.3 48.6 48.1 49.9 16.7% 46.0 46.3 16.6% 18. 0% 3.2 2.2 2.1 2.2 2.3 15.8% 16.1% +60 bps 3.1 15.5% 17. 0% 7
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: Franchise continues to expand while maintaining healthy yields
Consumer Business : Franchise continues to expand while maintaining healthy yields Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Exposure by products2 (Q2’26) Non Funded Income Net Funded Income Gross Yields 24% Home Finance 42% 140 0 7% YoY 10. 00% YoY 120 0 1,028 1,030 987 985
Slide 20: Local and Cross-Border Corporate Business: Growth remains supported by a diversified and resilient portfolio
Local and Cross-Border Corporate Business : Growth remains supported by a diversified and resilient portfolio Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Exposure by sectors2 (Q2’26) Non Funded Income Real Estate 20% Net Funded Income Government 18% Gross Yields 16% Services 1
Slide 21: Commercial Business: Solid growth supported by strong yields and high CASA balances
Commercial Business : Solid growth supported by strong yields and high CASA balances Revenue and Gross Yields (AED Mn,%)1 Net Financing Assets (AED Bn) Key Highlights: Non Funded Income Commercial Business revenue grew by 10% YoY Net Funded Income to AED 280 Mn in Q2’26 supported by stable Gross Yie
Slide 22: Treasury Business: Strong performance supported by stable yields
Treasury Business : Strong performance supported by stable yields Revenue and Gross Yields (AED Mn,%)1 Sukuk (AED Bn) Net Funded Income Non Funded Income Gross Yields (3%) YoY 800 7.0 0% 6.8 0% (5%) 609 607 6.6 0% YoY 582 582 6.4 0% 569 567 6.2 0% 6.0 0% 600 41 36 33 31 50 5.8 0% 46 5.6 0% 5.4 0% 5.
Slide 23: Digital transformation continues to enhance customer engagement and operational efficiency
Digital transformation continues to enhance customer engagement and operational efficiency Digital Registered Users1 (Mn) Key Highlights 15% • Growth in registered users was driven by targeted digital campaign initiatives YoY which have further enhanced adoption of our digital channels. • 98% of DIB
Slide 24: Sustainability remains integral to the growth strategy and value creation agenda
Sustainability remains integral to the growth strategy and value creation agenda Key Highlights Sustainability is core to DIB’s identity & operations AED 3.1 Bn in new sustainable finance and AED 2.1 Bn in new sustainability-linked finance YTD, across diverse sectors such as aviation, real estate, c
Slide 25: Contents
Contents 1 Macro-economic Macro-economic Overview Overview 2 Financial Performance 3 Business Performance 4 Summary 5 Appendix 25
Slide 26: H1'26 performance remains aligned with FY'26 strategic and financial objectives
H1’26 performance remains aligned with FY’26 strategic and financial objectives H1’26 Highlights: H1’26 actual vs. FY 2026 guidance Net Financing assets and Sukuk Target Metrics FY 2026 Guidance H1’26 Actuals investments continued to expand with 4% YTD growth at AED 366 Bn, with net financing assets
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 423 Bn in assets Corporate Banking Well established franchise serving >11 Mn
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 545+ branches across the group. • Focused growth, underpinned by Strong underwriting Clear Strategy &
Slide 31: Consolidated Balance Sheet
Consolidated Balance Sheet Balance Sheet (AED Mn) H1’26 FY’25 Assets Cash and balances with central banks 29,362 36,870 Due from banks and financial institutions 7,568 5,387 Islamic financing and investing assets, net 280,995 262,055 Investments in Islamic Sukuk measured at amortized cost 85,166 90,
Slide 32: Consolidated Income Statement
Consolidated Income Statement Income Statement (AED Mn) H1’26 H1’25 Total Income Income from Islamic financing and investing transactions 10,235 9,295 Commissions, fees and foreign exchange income 906 932 Income from other investments measured at fair value, net 4 9 Income from properties held for d
Slide 33: DIB Debt Capital Markets - Deals and transaction in H1 2026
DIB Debt Capital Markets - Deals and transaction in H1 2026 June 2026 January 2026 January 2026 February 2026 January 2026 January 2026 Kingdom of Bahrain TPAO Public Investment Fund Saudi Electricity Company Republic of Turkey Arab Energy Fund US$ 2.75bn US$ 800mn US$ 1.0bn US$ 2.0bn US$ 2.4bn 6.12
Slide 34: 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 Download the Report 2025
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