Dubai Islamic Bank (DIB), listed on the Dubai Financial Market under the ticker (DIB), reported robust financial results for the year ended 31 December 2025. Total revenue reached AED 13.3 billion, driven by strong non-funded income, healthy business volumes, and stable margins. Profit before tax grew 20% year-on-year to AED 9.0 billion, supported by operational efficiency and improved risk costs. Total assets expanded by 21% to AED 416 billion.
Key 2025 Financial Indicators
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Revenue: AED 13.3 billion
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Profit before tax: AED 9.0 billion (+20% YoY)
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Return on tangible equity (pre-tax): 22%
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Net financing and Sukuk investments: AED 353 billion (+20% YoY)
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Customer deposits: AED 320 billion (+29% YoY)
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Total assets: AED 416 billion (+21% YoY)
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Non-performing financing ratio: 2.65% (-135 bps YoY)
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Cost of risk: 0.14%
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Cash coverage ratio: 120% (+23 bps YoY)
Revenue and Profit Highlights
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Operational revenue grew 3% YoY to AED 13.3 billion, supported by strong non-funded income.
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Impairment losses declined to AED 485 million, reflecting disciplined credit underwriting and portfolio quality.
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Cost-to-income ratio improved to 28.4%, reflecting ongoing productivity gains.
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Profit before tax rose to AED 9.0 billion due to flexible funded income, robust non-funded income, controlled expenses, and low risk costs.
Balance Sheet Strength
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Total assets increased 21% YoY to AED 416 billion, supported by growth across core business activities.
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New financing and Sukuk investments reached AED 124 billion, up 80% YoY.
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Net financing assets grew 23% YoY to AED 262 billion.
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Customer deposits surged 29% YoY to AED 320 billion, with current and savings accounts totaling AED 110 billion.
Asset Quality
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Non-performing financing ratio improved to 2.65%, placing DIB among the top banks in UAE for asset quality.
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Overall coverage ratio reached 160%, and cash coverage ratio increased to 120%, reflecting portfolio strength.
Capital and Liquidity
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Common Equity Tier 1 (CET1) ratio: 12.3%
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Tier 1 capital ratio: 14.8%
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Capital Adequacy Ratio (CAR): 15.5%
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Liquidity Coverage Ratio (LCR): 157%
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Net Stable Funding Ratio (NSFR): 109%
Retail Banking Performance
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Retail assets grew 22% YoY to AED 77 billion, supported by record new retail financing of AED 37 billion (+90% YoY).
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Retail revenue rose 10% YoY to AED 4.9 billion.
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Mortgage portfolio growth sustained with wide geographic diversification.
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The bank added approximately 90,000 new retail customers, bringing total UAE customer base above 1.6 million.
Corporate and Cross-Border Banking
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Corporate portfolio grew 24% YoY to AED 185 billion, with new corporate financing totaling AED 67 billion.
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Corporate revenue increased 10% YoY to AED 3.3 billion, driven by strong non-funded income.
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Cross-border financing transactions nearly doubled, with cross-border assets growing 83% YoY.
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Debt capital markets activity rose over 50% YoY to USD 57 billion.
Sustainability Achievements
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Sustainable financing portfolio doubled to AED 19.5 billion, representing 7.3% of total financing.
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Successfully issued first sustainability-linked Sukuk with strong oversubscription.
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Operational energy efficiency improved over 10% per employee.
Institutional AI Adoption
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AI integration expanded across key areas, including customer experience, business growth, and operational efficiency.
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AI reduced routine task time by 90%, improved efficiency by 70%, and enhanced execution by 90%.
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AI supported 36% of new retail customer acquisition and increased back-office automation by 15%.
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AI-enabled campaigns reached over one million customers with an average conversion rate of 11%.
Digital Transformation
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Digital banking app alt processed 51% of total transactions, serving over 1.1 million registered users.
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97% of customer transactions conducted via digital channels; 80% of new customers onboarded digitally.
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Digital payments grew significantly, processing 3.1 million transactions with over 2,000 merchants via CyberSource gateway.
Dubai Islamic Bank continues to strengthen its position as a leader in Islamic banking, driving growth, sustainability, and digital innovation while adopting AI institutionally under disciplined governance.
