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Dubai Islamic Bank (DIB) investor relations material
Dubai Islamic Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Achieved record gross new underwriting of €60 billion in H1 2025, with robust growth across all business lines and net financing and sukuk portfolio up 11% YTD, driven by over AED 60 Bn in new underwriting.
Profit before tax rose 16% year-over-year to GBP 4.3 billion/AED 4.3 Bn, supported by core business growth, higher non-funded income, and lower credit costs.
Total assets surpassed $100 billion/expanded by 8% YTD to AED 373 Bn, marking a significant milestone in the bank's 50th year.
Customer deposits grew 14% YTD, reaching AED 284 Bn, ensuring ample liquidity.
Asset quality improved, with non-performing financing ratio dropping to 3.36%, the lowest in a decade, and cash coverage above 100%.
Reviewed interim financials for the six months ended 30 June 2025, prepared in accordance with IAS 34 and UAE law.
Financial highlights
Operating revenue grew 5% year-over-year to GBP 6.4 billion/AED 6.37 Bn in H1 2025; non-funded income up 16% YoY.
Net profit for the six months rose to AED 3,730 million, up from AED 3,378 million year-over-year.
Expenses rose 7% to $1.8 billion, mainly due to investments in technology and digital transformation; cost-to-income ratio remained low at 28%.
Impairment charges dropped 61% year-over-year to Dh256 million.
Return on tangible equity at 21% and return on assets at 2.4%, both in line with guidance.
Outlook and guidance
FY'25 guidance targets 15% net financing & sukuk growth, 2.8–3.0% net profit margin, 26% cost-to-income ratio, and NPF ratio of 3.5%.
Net interest margin guidance remains at 2.8%-3%, but current NIM is slightly below at 2.7% due to higher deposit costs; improvement expected if interest rates decline.
Cost of risk expected to normalize at 50-60 basis points for the year, despite H1 being at 16 basis points due to strong recoveries.
Effective tax rate for 2025 is 15%, with efforts underway to reduce it in 2026.
Management is assessing the impact of new IFRS standards effective from 2026 and 2027.
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Next Dubai Islamic Bank earnings date
Q3 202521 Oct, 2025
Next Dubai Islamic Bank earnings date
Q3 202521 Oct, 2025
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