Dubai Islamic Bank (DIB) investor relations material

Executive summary

• 9M 2026 gross revenue rose 7% YoY to AED 18.583bn; net profit before tax was AED 6.6bn and net profit after tax was AED 5.608bn.

• Total assets reached AED 427.0bn at 30 September 2026, up from AED 415.9bn at year-end 2025; net financing assets rose 10% YTD to AED 287.1bn.

• Asset quality and capital strengthened, with NPF at 2.4%, CET1 at 13.4% and total capital ratio at 16.5%.

• KPMG’s review found no matter indicating the interim information was not prepared, in all material respects, under IAS 34.

Financial highlights

• 9M gross funded income rose 8% to AED 15.5bn and non-funded income grew 2% to AED 3.1bn; operating revenue was AED 9.9bn, up 3% YoY.

• Net operating income before impairment charges increased 4% to AED 7.145bn; operating expenses were flat at AED 2.8bn and operating profit rose 4% to AED 7.1bn.

• Net impairment charges rose to AED 610.0m from AED 291.8m; net profit after tax was AED 5.608bn versus AED 5.681bn, with EPS of AED 0.72.

• 9M net income after depositors’ and Sukuk holders’ share was AED 9.932bn versus AED 9.676bn.

• Q3 gross revenue was AED 6.2bn, up 1% QoQ; operating profit was AED 2.3bn and after-tax net profit was AED 1.9bn, down 3% QoQ.

Outlook and guidance

• FY 2026 net financing and Sukuk growth guidance remained 10%, versus 6% YTD growth; net profit margin guidance was 2.3%, versus 2.4% YTD.

• FY cost-to-income guidance was 28.0% versus 28.1% YTD; pre-tax RoTE guidance was 21% versus 20%, and pre-tax RoA guidance was 2.2% versus 2.1%.

• FY NPF guidance was 2.5% versus 2.4% actual; total coverage guidance was 160% versus 155% actual.

• A new three-year strategy was expected in early 2027; the current strategic direction was unchanged.

• ECL estimates used 40% base, 30% upside and 30% downside scenario weights; assumptions and overlays were to be reassessed as conditions evolved.