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DIB InvestorPresentation H1 2025 DIB Investor Presentation FY 2025
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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 typically contain words such as “expects” and “anticipates” and words of similar import. Any statement in this presentation that is not a statement of historical fact is a forward-looking statement that involves known and unknown risks, uncertainties and other factors which may cause our actual results, performance or achievements to be materially different from those expressed or implied by such forward-looking statements. None of the future projections, expectations, estimates or prospects in this presentation should be taken as forecasts or promises nor should they be taken as implying any indication, assurance or guarantee that the assumptions on which such future projections, expectations, estimates or prospects have been prepared are correct or exhaustive or, in the case of the assumptions, fully stated in the presentation. Neither Dubai Islamic Bank P.J.S.C. (“DIB”), nor any of its shareholders, directors, officers or employees assume any obligations to update the forward-looking statements contained herein to reflect actual results, changes in assumptions or changes in factors affecting these statements. This presentation and its contents are confidential and are being provided to you solely for your information and may not be retransmitted, further distributed to any other person or published, in whole or in part, by any medium or in any form for any purpose. In particular, this presentation is not for distribution to retail clients. If handed out at a physical investor meeting or presentation, this presentation should be returned promptly at the end of such meeting or presentation. If this presentation has been received in error it must be returned immediately to DIB. The opinions presented herein are based on general information gathered at the time of writing and are subject to change without notice. DIB relies on information obtained from sources believed to be reliable but does not guarantee its accuracy or completeness. No reliance may be placed for any purposes whatsoever on the information contained in this presentation, or any other material discussed verbally, or on its completeness, accuracy or fairness. The information in this presentation is subject to verification, completion and change. The contents of this presentation have not been independently verified. Accordingly, no representation or warranty, express or implied, is made or given by or on behalf of DIB or any of its shareholders, directors, officers or employees or any other person as to, and no reliance should be placed on, the accuracy, completeness or fairness of the information or opinions contained in this presentation. Neither DIB nor any of their shareholders, directors, officers or employees nor their respective advisers and/or agents undertake any obligation to provide the recipient with access to any additional information or to update this presentation or any additional information or to correct any inaccuracies in any such information which may become apparent. Any investment activity to which this communication may relate is only available to, and any invitation, offer, or agreement to engage in such investment activity will be engaged in only with, relevant persons. Any person who is not a relevant person should not act or rely on this presentation or any of its contents. The distribution of this presentation in other jurisdictions may also be restricted by law, and persons into whose possession this presentation comes should inform themselves about, and observe, any such restrictions. This presentation contains data compilations, writings and information that are proprietary and protected under copyright and other intellectual property laws, and may not be redistributed or otherwise transmitted by you to any other person for any purpose. Additionally, this presentation contains translations of currency amounts solely for the convenience of the reader, and these translations should not be construed as representations that these amounts actually represent such U.S. dollar amounts or could be converted into U.S. dollars at the rate indicated. 2
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3 1 Macro-economic Overview 2 Financial Performance 3 Business Performance 4 Summary Contents Macro-economic Overview 5 Appendix
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4.2 4.2 3.9 3.6 3.9 3.7 3.7 3.5 3.5 3.4 4.4 4.6 4.5 3.7 4.2 4.2 4.0 3.8 3.8 3.8 3.8 3.7 Jan-25 Apr-25 Jun-25 Sep-25 Dec-25 2-Year 5-Year 6.7% 5.8% 4.1% 3.8% 2023 2024 2025e 2026f 2.0% 1.7% 4.2% 4.8% China EM EU US 3.1% 3.3% 3.2% 3.3% 2023 2024 2025e 2026f 4 Global growth normalizes as inflation cools and rates ease Sources: IMF, Bloomberg Expected growth by major economies (% - 2026f)Global GDP Growth (%) Global Inflation (%) UST Yields (%)
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Non-oil vs Oil contribution (2026f)GCC Economies’ GDP Growth (%) GDP of GCC countries (USD Bn, 2026f) Brent Oil (USD/barrel) 5 Sources: IMF, Bloomberg Key Comments: GCC maintains outperformance supported by continued diversification efforts 1.5% 2.2% 4.0% 4.5% 2023 2024 2025e 2026f 77% 64% 58% 85% 73% 53% 23% 36% 42% 15% 27% 47% UAE Qatar Kuwait Bahrain Oman Saudi Non-Oil Oil 1,330 107 43 140 213 530 Saudi Oman Bahrain Kuwait Qatar UAE 76.1 83.0 77.2 60.3 80.4 73.2 71.2 61.1 59.9 65.1 Jan-25 Apr-25 Jul-25 Oct-25 Jan-26 GCC Growth has outperformed major economies’, supported by strong domestic demand, reform momentum, and resilient non-oil sectors Non-oil activity is the dominant growth engine with most GCC economies seeing 60% to 80% of GDP from non-hydrocarbon sectors Economic decoupling from hydrocarbons is becoming more pronounced Overall, the GCC region stands out as a structurally transforming, increasingly diversified and high resilience region
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6Sources: CBUAE, Dubai Statistics Center UAE growth accelerated due to continued structural diversification and robust domestic demand UAE Non-Oil GDP Breakdown (H1 ‘25)UAE GDP Growth (%) UAE PMI (2025) UAE Banking Sector (Total Assets – AED Tn) 4.3% 4.0% 5.0% 5.2% 2023 2024 2025e 2026f 55.0 55.0 54.0 53.3 53.5 52.9 53.3 54.2 53.8 54.8 54.2 Jan Mar May Jul Sep Nov 4.3 4.3 4.4 4.6 4.7 5.0 5.2 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Trade Finance & Insurance Manufacturing Construction Real Estate Transport & Storage Public Admin & Defence Professional Services Others 16% 14% 14% 12% 8% 7% 7% 6% 16% AED 720 Bn +6% YoY UAE economy has sustained consistent growth trajectory, moving from 4.3% expansion in 2023 to 5%+ projected growth in 2026 Non-oil sectors remain the primary growth engines, accounting for 77% of GDP in 2025 PMI prints remain firmly expansionary Banking sector financing acceleration continues, supported by ample liquidity In summary, UAE economy is set to deliver broad-based durable growth Key Comments:
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46 54 60 58 Q1'25 Q2'25 Q3'25 Q4'25 7Sources: CBUAE, Dubai Statistics Center, Dubai Department of Economy & Tourism Dubai economy remains on solid growth track with underlying indicators continuing to trend positively Dubai GDP (H1 ’25) Dubai Key Sectors YoY Growth Rate (H1’25 vs H1’24) – (%) Dubai Real Estate Sales Transactions 2025 (Volumes – ‘000) Dubai International Visitors (Mn) Key Upcoming Projects (2026-2032) Etihad Rail Al Maktoum International Airport Dubai Metro Blue and Gold Line Dubai Strategic Sewerage Tunnels Dubai Loop Tasreef Stormwater Drainage Palm Jebel Ali 3.0% 4.4% 4.9% 5.3% 6.7% 7.0% 8.5% Public Admin & Defence Trade Accomodation & Food Information & Comms Finance & Insurance Real Estate ConstructionTrade Finance & Insurance Transportation & Storage Real Estate Manufacturing Public Admin & Defence Construction Information & Comms Accomodation & Food Others AED 241 Bn +4% YoY 24% 13% 13% 8% 8% 4% 7% 4% 4% 14% 17.2 18.7 19.6 2023 2024 2025
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8 1 Macro-economic Overview 2 Financial Performance 3 Business Performance 4 Summary Contents Macro-economic Overview 5 Appendix
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9 Performance Summary: FY’25 results underscore continued progress against stated priorities * Including collateral FY’25 actual vs. guidance Target Metrics Net Financing and Sukuk growth Return on Tangible Equity (pre-tax) Return on Assets (pre-tax) NPF Ratio Total Coverage* ✓ ✓ ✓ ✓ ✓ FY 2025 Guidance 15% 21% 2.4% 3.50% 140% FY 2025 Actuals 20% 22% 2.4% 2.65% 160% FY’25 Highlights: • Robust balance sheet growth of 21% YoY crossing the AED 400 bn mark • 20% YoY growth in net financing & sukuk investments driven by broad- based business growth Growth • NPF Ratio at its lowest levels for over a decade • Consistently low cost of risk over last 2 years Asset Quality • FY’25 Profit Before Tax of AED 9.0 bn, up 20% against FY’24 normalized Profit Before Tax of AED 7.5 bn • Proposed dividend of 35 fils, subject to shareholder and regulatory approvals Earnings Net Profit Margin Cost-to-Income Ratio - - 2.8% - 3.0% 26.0% 2.6% 28.4%
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Solid operating revenue, crossing more than AED 13 bn in FY’25; growth of 5% YoY over normalized revenues of FY’24 Strong 10% YoY increase in non-funded income Fees, commission & FX income continue to be a key contributor to the overall income with a ~7% YoY growth to AED 1.9 bn Net profit (before tax) of AED 9 Bn in FY’25 grew by 20% YoY over normalized Net profit before tax of AED 7.5 Bn in FY’24 10 Income Statement: Resilient and diversified revenue levers and low cost of risk drive growth in earnings Income Statement (AED Mn) AED Mn FY’25 FY’24 (Reported) FY’24* (Normalised) YoY % (v normd.) Q4’25 Q4’24 (Reported) QoQ % Net Funded Income 8,972 8,949 8,691 3% 2,326 2,522 (8%) Non-Funded Income 4,279 3,887 3,887 10% 1,250 1,230 2% Operating Revenue 13,251 12,837 12,579 5% 3,576 3,752 (5%) Operating Expenses (3,763) (3,425) (3,425) 10% (991) (872) 13% Operating Profit 9,488 9,412 9,154 4% 2,586 2,880 (10%) Net Impairment Charges (485) (407) (1,677) (71%) (193) 123 (257%) Net profit (before tax) 9,003 9,005 7,477 20% 2,393 3,003 (20%) Income Tax (1,195) (840) (840) 42% (266) (287) (7%) Net Profit (after tax) 7,808 8,165 6,637 18% 2,126 2,716 (22%) RoTE (before tax) 22% 24% 20% +200 bps 22% 23% (100 bps) RoTE (after tax) 19% 22% 18% +100 bps 19% 19% - RoA (before tax) 2.4% 2.8% 2.3% +10 bps 2.4% 2.5% (100 bps) RoA (after tax) 2.1% 2.5% 2.0% +10 bps 2.1% 2.1% - RoTE - Being the ratio of annualized net profit attributable to shareholders to average shareholders’ equity adjusted for estimated proportionate dividend and excluding Tier 1 issuances. RoA - Being the ratio of annualized net profit for the group to average total assets. Profitability & Returns (before tax, AED Mn) Net Profit Before Tax Movement (AED Mn) 1,851 1,870 2,281 3,003 2,108 2,201 2,302 2,392 20% 20% 22% 24% 22% 21% 22% 22% 10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20% 21% 22% 23% 24% Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Qtly. Net Profit (pre-tax) Cumm. RoTE (pre-tax) * Normalised for impact of one -off large legacy recovery in FY’24 20%* * Normalised RoTE
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11 Revenue Drivers: Stable funded income and strong growth in non- funded income Margins (%)Net Funded Income (AED Mn) Non-Funded Income (AED Mn) FY’25 Non-Funded Income Composition (%) 2,148 2,135 2,144 2,522 2,192 2,122 2,333 2,326 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 6.5% 6.4% 6.5% 6.5% 5.8% 5.8% 5.8% 5.7% 4.0% 4.0% 4.0% 4.0% 3.4% 3.4% 3.4% 3.4% 3.0% 3.0% 3.0% 3.0% 2.9% 2.7% 2.7% 2.6% Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Yield* CoF* Profit Margin* 483 429 330 506 505 427 505 437 111 413 272 284 274 330 187 201 109 136 206 77 167 98 39 147 49 145 233 106 173 180 573856 932 884 1232 963 1105 974 1250 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Other Income Share of Profit from Assoc. & JVs Income from Properties (Investments & HFS) Fees, Comm. & FX Fees, Commission & FX Income from properties (Investments & HFS) Share of profit from Associates & JVs Other Income 44% 24% 9% 23% AED 4,279 Mn * All figures are calculated on cumulative basis for the year; for eg: 5.8% yield in Q3’25 denotes the cumm. yield for 9M’25
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12 Operating Efficiency: Investing for growth while preserving cost discipline FY’25 Operating Expenses Composition Operating Expenses (AED Mn) & Cost to Income (%) Operating Expenses Movement (AED Mn) Operating Profit (AED Mn) 849 836 869 871 883 925 966 991 28.3% 27.8% 28.1% 26.7% 28.0% 28.4% 28.7% 28.4% 10.0% 15.0% 20.0% 25.0% 30.0% 200 300 400 500 600 700 800 900 1000 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Operating Costs Cumm. Cost-to-Income Ratio 268 70 3,425 3,763 FY'24 Personnel General & Admin FY'25 2,149 2,223 2,158 2,880 2,271 2,294 2,337 2,585 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Personnel General & Administrative Depreciation 60% 33% 7% AED 3,763 Mn 28%* * Normalised Cost-to-Income Ratio 2,622* * Normalised Operating Profit
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Total Assets (AED Bn) Total Deposits (AED Bn) Solid growth in net financing assets of 23% YoY, supported by new gross financing of more than AED 100 billion during 2025 Sukuk investments’ portfolio grew by 10% to AED 91 billion Strong increase in customer deposits of 29% YoY to AED 320 billion 13 Balance Sheet: Solid growth momentum as total assets grow by 21% to AED 416 billion Balance Sheet (AED Bn) FY‘25 Highlights AED Bn FY’25 FY’24 YoY % Q3 ’25 QoQ % Net Financing Assets 262 212 23% 248 6% Sukuk Investments 91 82 10% 95 (4%) Net Financing Assets & Sukuk 353 294 20% 343 3% Total Assets 416 345 21% 393 6% Customer Deposits 320 249 29% 302 6% Sukuk financing instruments 25 24 4% 21 19% Equity 54 53 2% 52 4% Total Liabilities inc. Equity 416 345 21% 393 6% NPF ratio 2.65% 4.00% (135 bps) 3.13% (48 bps) CET1 12.3% 13.2% (90 bps) 13.4% (110 bps) CAR 15.5% 18.3% (280 bps) 16.6% (110 bps) Tier 1 14.8% 17.2% (240 bps) 15.9% (110 bps) 327 323 329 345 355 373 393 416 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 +21% YoY 236 234 237 249 265 284 302 320 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 +29% YoY
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Consumer Financing Real Estate Government Services Aviation Financial Institutions Utilities Automobile Manufacturing Others Net Financing Assets Sukuk Investments Cash & CB balances Investments in equities & properties Other Assets Due from banks & FI 14 Assets: Healthy growth in Financing Assets as asset mix remains well-diversified Sukuk Investments (AED Bn)Net Financing Assets (AED Bn) Total Asset Composition (FY’25,%) Gross Financing by Sector (FY’25,%) 63% 29% AED 416 Bn 201 199 207 212 223 237 248 262 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 +23% YoY 76 79 79 82 84 89 95 91 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 +10% YoY 22% 9% 2% 3% 1% AED 268 Bn 13% 13% 13% 6% 6% 5% 5% 4% 6%
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Impairment charges (AED Mn) and Cost of Risk (CoR %)NPF* (AED Mn) and NPF Ratio1 (%) Total Provisions (AED Bn) Total Coverage2 and Cash Coverage Ratios (%) 126% 127% 132% 138% 139% 145% 149% 160% 93% 95% 97% 97% 98% 103% 107% 120% Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Total Coverage (%) Cash Coverage (%) 1NPF ratio includes Bilateral Sukuk and is calculated as the sum of individually impaired Financing Assets divided by gross financing; 2Total Coverage Ratio is calculated as the sum of provisions held including Regulatory Risk Reserve (if any) and collateral held relating to facilities individually determined to be impaired divided by non-performing financing. *Includes Purchased or Originated Impaired (POCI) through Noor Bank acquisition. This refers to impairments in acquired or originated financing transactions. Cost of Risk – Being ratio of net impairment charge on financing assets, Sukuk and overdraft charge to the aggregate gross outstanding balances of financing assets, sukuk investments and overdrawn accounts. 15 Asset Quality (1/2) : Robust metrics with low NPF ratio, strengthened coverage and sustained low cost of risk 299 353 (122) (123) 163 93 36 193 0.40% 0.44% 0.26% 0.14% 0.20% 0.16% 0.12% 0.14% -0.20% -0.10% 0.00% 0.10% 0.20% 0.30% 0.40% -300 -200 -100 0 100 200 300 400 500 600 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Qtly. Impairment charges (AED Mn) Cummulative CoR 9.6 10.1 10.3 8.9 8.9 9.2 8.6 8.6 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 10.6 10.6 9.4 9.1 8.7 8.3 8.1 7.2 4.97% 4.99% 4.27% 4.00% 3.70% 3.36% 3.13% 2.65% 6.0 6.5 7.0 7.5 8.0 8.5 9.0 9.5 10.0 10.5 11.0 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 NPF (AED Bn) NPF Ratio (%) +135 bps (YoY) +22 pps YoY +23 pps YoY
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Gross Financing Assets by Stage (%) ECL Provisions & ECL Coverage by Stage (AED Bn, %) 16 Asset Quality (2/2) : Stronger portfolio quality as stage 2 and stage 3 exposures continue to reduce 88.1% 88.4% 89.1% 90.9% 92.0% 92.5% 92.6% 93.6% 6.9% 6.5% 5.8% 5.0% 4.3% 4.1% 4.2% 3.8%5.1% 5.1% 5.1% 4.2% 3.8% 3.4% 3.2% 2.7% Q1'24 Q4'24 Q4 '25 Stage 1 Stage 2 Stage 3 + POCI 0.9 1.1 1.1 0.8 0.9 1.0 1.1 1.1 1.1 1.1 1.0 0.8 0.9 0.7 0.7 0.7 6.2 6.3 6.0 5.1 5.0 5.0 4.9 4.1 Q1'24 Q4'24 Q4'25 Stage 1 Stage 2 Stage 3 + POCI Stage 1 Gross Exposures (AED Bn) Stage 2 Gross Exposures (AED Bn) Stage 3 Gross Exposures (AED Bn) 184 184 192 199 211 225 236 251 Q1'24 Q4'24 Q4'25 +26% YoY 14 13 12 11 10 10 11 10 Q1'24 Q4'24 Q4'25 (7%) YoY 11 11 9 9 9 8 8 7 Q1'24 Q4'24 Q4'25 (22%) YoY 56.1% 6.5%9.2% 58.5%
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Customer Deposits (AED Bn) and CASA (%)Funding Sources (FY’25, %) LCR and NSFR Ratio (%) Customer Deposits Breakdown (FY’25,%) 17 Liquidity: Robust deposit growth with ample and diversified liquidity sources 168% 146% 140% 159% 133% 128% 144% 157% 106% 108% 105% 112% 105% 107% 108% 109% Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Liquidity Coverage Ratio (%) NSFR (%) Wholesale Consumer AED 320 Bn 67% 33% 236 234 236 248 264 284 302 320 38% 42% 38% 38% 37% 36% 36% 34% 1% 11% 21% 31% 41% 51% 61% 100 120 140 160 180 200 220 240 260 280 300 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Total Deposits CASA % +29% YoY Customer Deposits Equity Sukuk Financing Other Payables Due to banks 77% 13% 6% 4% 1% AED 416 Bn
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Regulatory Capital Ratios (%)Regulatory Capital1 (AED Bn) CET1 Movement (AED Bn) RWA Movement (AED Bn) 18 1 Refers to Regulatory Capital under Basel III; * Year End Deductions include, Dividend payout; Regulatory Risk Reserve (RCRR) movement and Zakat Regulatory Capital: Well-positioned capital base supporting strong asset growth 32.9 34.4 36.1 34.0 35.6 36.8 39.1 36.9 8.3 8.3 8.3 10.1 7.3 7.3 7.3 7.32.9 2.9 3.0 2.9 3.1 3.2 2.2 2.1 44.1 45.6 47.4 47.0 46.0 47.3 48.6 46.3 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 CET 1 AT1 Tier 2 17.5% 18.1% 18.3% 18.3% 17.3% 16.7% 16.6% 15.5% 13.1% 13.7% 13.9% 13.2% 13.4% 13.0% 13.4% 12.3% 16.4% 16.9% 17.1% 17.2% 16.1% 15.6% 15.9% 14.8% 5.0% 10.0% 15.0% 20.0% Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 CAR CET1 Ratio Tier 1 7.5 (3.8) (0.3) (0.4) (0.1)34.0 36.9 CET1 Dec'24 Net Profit Year End deductions* OCI Movement AT1 Payment Others CET1 Dec'25 - 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 45.0 38.8 1.1 1.8 257.2 298.9 RWAs Dec '24 Credit RWAs Market RWAs Op RWAs RWAs Dec'25 0.0 50.0 100.0 150.0 200.0 250.0 300.0 350.0
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19 1 Macro-economic Overview 2 Financial Performance 3 Business Performance 4 Summary Contents Macro-economic Overview 5 Appendix
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20* Segmental results for current and prior years reflect results in accordance with enhanced management account policies for cost allocation and transfer pricing. Consumer Business : Franchise scaling with strength Revenue and Gross Yields (AED Mn,%)* Net Financing Assets AED Bn) Gross Assets by product (FY’25, %) Deposits (AED Bn) CASA Balances (AED Bn) Key Highlights: 57 60 61 63 68 71 74 77 Q1'24 Q4'24 Q4'25 47 49 47 47 50 51 54 53 52% 53% 52% 52% 53% 52% 53% 44% 30% 31% 32% 33% 34% 35% 36% 37% 38% 39% 40% 41% 42% 43% 44% 45% 46% 47% 48% 49% 50% 51% 52% 53% 54% 55% 56% 57% 58% 59% 60% 61% 62% 63% 64% 65% 66% 67% 68% 69% 70% 71% 72% 73% 74% 75% 76% 77% 78% 79% 80% 81% 82% 83% 84% 85% 86% 87% 88% 89% 90% 1 11 21 31 41 51 61 Q1'24 Q4'24 Q4'25 AED Bn % of Deposits 90 92 90 90 94 98 102 105 Q1'24 Q4'24 Q4'25 +17% YoY +13% YoY Home Finance Personal Finance Auto Finance Cards AED 79 Bn 42% 34% 19% 5% 955 986 917 898 964 945 1,060 1,170 176 157 138 165 288 129 194 102 6.99% 7.01% 6.91% 6.86% 6.70% 6.66% 6.67% 6.61% 2.0 0% 3.0 0% 4.0 0% 5.0 0% 6.0 0% 7.0 0% 8.0 0% 9.0 0% 10. 00% - 200 400 600 800 1,00 0 1,20 0 1,40 0 Q1'24 Q4'24 Q4'25 Non Funded Income Net Funded Income Gross Yields +10% YoY +22% YoY Strong growth momentum in consumer business continues with 22% YoY growth in net financing assets to AED 77 Bn. Growth was supported by new gross consumer financing of AED 37 bn, up 90% YoY. Double digit YoY financing growth was led by strong performance across products; home finance (23% YoY), auto finance (22% YoY), personal finance (23% YoY). Total deposits grew by 17% YoY while CASA balances grew by 13% YoY. 4,8524,392
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Net Financing Assets (AED Bn) Deposits (AED Bn) CASA Balances (AED Bn) Gross Assets by sector (FY’25,%) Key Highlights: Real Estate Govt Services Aviation FIs Auto Utilities Mfg. Trade Contracting Oil & Gas 21* Segmental results for current and prior years reflect results in accordance with enhanced management account policies for cost allocation and transfer pricing. Local & Cross-Border Corporate Business : Solid 24% YoY growth in net financing and 36% YoY growth in deposits 144 139 146 149 155 166 174 185 Q1'24 Q4'24 Q4'25 40 45 42 45 47 51 52 55 28% 32% 29% 29% 28% 27% 26% 30% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 1 11 21 31 41 51 61 Q1'24 Q4'24 Q4'25 AED Bn % of Deposits 144 141 147 157 169 186 197 213 Q1'24 Q4'24 Q4'25 +22% YoY AED 189 Bn 19% 18% 18% 9% 8% 7% 7% 6% 6% 1% 1% Revenue and Gross Yields (AED Mn,%)* Gross assets at AED 189 Bn, up by 27% YoY driven by growth across key sectors such as automobiles, utilities, aviation. Gross new financing of AED 67 Bn booked; solid growth of 103% YoY. The bank continued to deploy cross-border financing in the GCC particularly in utilities and government sectors. Corporate deposits saw a strong increase of 36% YoY to AED 213 Bn ; CASA balance grew to AED 55 Bn by 22% YoY. +36% YoY +24% YoY 589 509 534 1,035 613 539 592 738 200 210 98 215 125 203 216 253 6.71% 6.73% 6.68% 6.70% 5.80% 5.75% 5.76% 5.72% 2.0 0% 3.0 0% 4.0 0% 5.0 0% 6.0 0% 7.0 0% 8.0 0% 9.0 0% 10. 00% - 200 400 600 800 1,00 0 1,20 0 1,40 0 Q1'24 Q4'24 Q4'25 Non Funded Income Net Funded Income Gross Yields 3,2793,390 (2%) YoY
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22* Segmental results for current and prior years reflect results in accordance with enhanced management account policies for cost allocation and transfer pricing. Treasury Business : Portfolio growth remains robust with double-digit growth Sukuk (AED Bn) Gross Sukuk by sector (FY’25,%) Key Highlights Government Services FIs Others AED 91 Bn 65% 18% 13% 4% 76 79 79 82 84 89 95 91 Q1'24 Q2'24 Q3'23 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 +10% YoY 519 501 573 583 569 646 576 538 82 51 160 73 75 74 73 73 4.77% 4.81% 4.80% 4.79% 4.87% 4.89% 4.88% 4.86% 2.0 0% 2.2 0% 2.4 0% 2.6 0% 2.8 0% 3.0 0% 3.2 0% 3.4 0% 3.6 0% 3.8 0% 4.0 0% 4.2 0% 4.4 0% 4.6 0% 4.8 0% 5.0 0% 5.2 0% 5.4 0% 5.6 0% 5.8 0% 6.0 0% - 100 200 300 400 500 600 700 800 Q1'24 Q4'24 Q4'25 Net Funded Income Non Funded Income Gross Yields Revenue and Gross Yields (AED Mn,%)* Portfolio is now at AED 91 Bn, growth of 10% YoY. Healthy revenue growth to AED 2.6 bn, up 3% YoY compared to AED 2.5 bn in 2024. Yields continue to be high at 4.86%, up 7 bps YoY. Successfully issued in Nov’25 debut USD 1 bn Sustainability-Linked Financing Sukuk, introducing a performance-linked structure to the Bank’s sustainable finance platform. The issuance was oversubscribed reflecting strong global investor confidence in DIB. 2,6242,542 +3% YoY
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Digital Registered Users* (Mn) Mobile Banking Transactions (Mn) 23• Digital Registered User Base (Business to Date) : overall registered internet banking & mobile banking app users Digital: Another strong year in delivering simple and seamless digital banking services to the growing customer base Key Highlights 15% YoY growth in digital registered user base depicting strong growth momentum. 2000+ merchants onboarded through the CyberSource payments gateway facilitating e-commerce transactions. 80% New to Bank customers onboarded digitally during 2025. 37% YoY growth in Whatsapp subscribers’ base crossing the 300K mark. 1.37 1.40 1.43 1.48 1.54 1.59 1.65 1.71 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 6.2 6.3 6.7 6.8 7.0 7.1 7.5 8.0 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 +15% YoY +17% YoY
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Consistent ESG Rating ImprovementSustainable Finance Excellence1 1 Sustainable Finance figures are pending final assurance, and will be disclosed in full in 2025 Sustainability and Sustainable Finance Reports. 24 Sustainability : Significant improvement in ESG ratings demonstrates DIB’s achievements and ongoing aspirations to lead the sector within this space The Bank’s activities undertaken in 2025 delivered meaningful and positive progress in advancing strategic objectives to “Finance a Sustainable Future” and “Lead by Example” 100% Allocation of all outstanding Sustainable Sukuk with projects aligned to Sustainable Finance Framework categories Energy Efficiency, Clean Transportation and Green Building Double Digit Growth of sustainable asset register, due to transactions in the Aviation and Real Estate sectors, and growth in the SME portfolio Issued First Ever sustainability-linked sukuk (USD 1bn) priced competitively with a tenor of five years, and more than 2x over-subscription Rating increases driven by • Expanded disclosures • Improved internal policies and practices Agency 2023 2024 2025 MSCI (CCC to AAA) BBB A ↑ A S’lytics (40 to 0) 31.2 (High Risk) 25.0 ↑ (Med Risk) 20.5 ↑ (Low Risk) S&P (0 to 100) 19 27 ↑ 36 ↑ LSEG (0 to 100) 32 61 ↑ 68 ↑ Bloomberg (0 to 10) Not rated Not rated 4.14 ↑ Leading CDP (F to A) Not rated Not rated C ↑
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25 1 Macro-economic Overview 2 Financial Performance 3 Business Performance 4 Summary Contents Macro-economic Overview 5 Appendix
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26 Performance Summary: FY’25 results underscore continued progress against stated priorities * Including collateral FY’25 actual vs. guidance Target Metrics Net Financing and Sukuk growth Return on Tangible Equity (pre-tax) Return on Assets (pre-tax) NPF Ratio Total Coverage* ✓ ✓ ✓ ✓ ✓ FY 2025 Guidance 15% 21% 2.4% 3.50% 140% FY 2025 Actuals 20% 22% 2.4% 2.65% 160% FY’25 Highlights: • Robust balance sheet growth of 21% YoY crossing the AED 400 bn mark • 20% YoY growth in net financing & sukuk investments driven by broad- based business growth Growth • NPF Ratio at its lowest levels for over a decade • Consistently low cost of risk over last 2 years Asset Quality • FY’25 Profit Before Tax of AED 9.0 bn, up 20% against FY’24 normalized Profit Before Tax of AED 7.5 bn • Proposed dividend of 35 fils, subject to shareholder and regulatory approvals Earnings Net Profit Margin Cost-to-Income Ratio - - 2.8% - 3.0% 26.0% 2.6% 28.4%
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27 Looking Ahead FY’26 guidanceKey Comments: Growth We shall continue building on FY’25’s asset momentum supported by healthy demand across consumer and wholesale segments Efficiency Measured expense growth and stronger revenues are expected to contribute positively to efficiency metrics Asset Quality Asset quality indicators should continue to improve, reflecting resilient portfolio mix Earnings Returns are expected to remain solid, reflecting sustained profitability and prudent balance sheet management Target Metrics Net Financing and Sukuk growth Net Profit Margin Cost-to-Income Ratio Return on Tangible Equity (pre-tax) Return on Assets (pre-tax) NPF Ratio Total Coverage* FY 2026 Guidance 10% 2.3% 28% 21% 2.2% 2.5% 160%
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28 1 Macro-economic Overview 2 Financial Performance 3 Business Performance 4 Summary Contents Macro-economic Overview 5 Appendix
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Moody’s A3 “Stable” Fitch A “Stable” IIRA* A+/A1 “Stable” Geographic Presence 29 Turkey Bosnia (33) Sudan (127) UAE (56) Pakistan (310) Indonesia (10) Kenya (8) Existing Presence & Branch Numbers DIB – A leading global Islamic bank Ratings Subsidiaries and Associates Key Businesses Consumer Banking Corporate Banking Investment Banking Treasury MSCI ESG A Entity % Country Dar Al Shariah 100.0% UAE Tamweel 92.0% UAE Deyaar 44.9% UAE DIB Pakistan 100.0% Pakistan Bank of Khartoum 29.5% Sudan Bosna Bank International 27.3% Bosnia Panin Dubai Syariah Bank 25.1% Indonesia DIB Kenya 100.0% Kenya T.O.M. Group 25.0% Turkey Dubai Islamic Bank was the first Islamic Bank in the world, established in 1975 Key Facts ~28% owned by “Investment Corporation of Dubai” One of the largest Islamic Banks globally with AED 416Bn in assets Well established franchise, serving > 5mn customers, with > 10,000 employees Solid distribution network of 540+ branches & 900+ ATMs across group. • Islamic International Rating Agency (IIRA)
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30 Bank’s strategy aligned with UAE’s ambitious and expansionary agenda Digital Transformation Robust Foundation Increase Value Versatile Operation Engaging Experience Technology Infrastructure Upgrade Further strengthen Risk Management Framework Selective and Strategic international Expansion ESG focus across the bank’s value chain Embed “Customer- centricity” as part of bank’s DNA Streamlined Digital Journeys & enhanced experience Remain focused on Asset Quality Improvement Enhance market share in earning assets Compliance with spectrum of regulatory driven changes Simple, transparent & ease of access across Touchpoints AI-driven Banking Enterprise-wide Cost Optimisation Smart Data Analytics to grow wallet share and new client base Committed to support UAE’s Sustainability Goals Leverage D.I.B to graduate into Lifebrand Strengthen the Group Grow the Group
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31 Key Investment Highlights • Amongst World’s “Top 3” Islamic Banks by Total Assets • #1 Islamic Bank in the UAE • Serving > 5mn customers across network of over 540 branches across the group. A Leading Islamic Banking Franchise Clear Strategy & Focused Execution • Focused growth, underpinned by Strong underwriting • Cost discipline ensured high operational efficiencies • Bank’s assets grew by over 3x since FY’13 Solid Fundamentals • Highly Rated “D-SIB” Bank, “A” Rating by Fitch & “A3” by Moodys • Healthy Asset Quality with low NPF ratio and high Coverage Ratio • Strong Regulatory Capital Ratios with healthy capital buffers Consistent Shareholder Value Creation • Sustained growth in the Bank’s Net Profit over the last 10 years • Six-fold increase in Share Price over the last 15 years • Consistently maintained High Dividend Payouts Investing In The Future • ESG truly embedded in the bank’s DNA; ESG MSCI rating of ” A” shows bank’s progress so far • Considerable progress on digitalization; sizeable investments in technology infrastructure • Focused on building AI/ML capabilities to deliver relevant & engaging customer solutions
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1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10. 0 11. 0 Jan-13 Jun-13 Nov-13 Apr-14 Sep-14 Feb-15 Jul-15 Dec-15 May-16 Oct-16 Mar-17 Aug-17 Jan-18 Jun-18 Nov-18 Apr-19 Sep-19 Feb-20 Jul-20 Dec-20 May-21 Oct-21 Mar-22 Aug-22 Jan-23 Jun-23 Nov-23 Apr-24 Sep-24 Feb-25 Jul-25 Dec-25 32 Note: Shaded area represents the pandemic period; Dividend Payout (%, AED Bn) Share Price Movement (AED, Jan’13 – Dec’25) Decade of delivering Strong shareholder returns 1.0 1.6 1.8 2.2 2.2 2.3 2.5 1.5 1.8 2.2 3.3 3.3 25% 40% 45% 45% 45% 35% 35% 20% 25% 30% 45% 45% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 0.0 0 0.5 0 1.0 0 1.5 0 2.0 0 2.5 0 3.0 0 3.5 0 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Dividend Amount (AED Bn) Cash Dividend as a % of Par Value
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33 Consolidated Income Statement Income Statement (AED Mn) FY’25 FY’24 Total Income Income from Islamic financing and investing transactions 19,548 19,454 Fees & Commission 1,874 1,748 Income / (loss) from other investments measured at fair value 28 17 Income from properties held for development and sale 487 342 Income from investment properties 505 739 Share of profit from associates and joint ventures 381 485 Other Income 1,004 556 Total Income 23,827 23,341 Depositors’ and Sukuk holders’ share of profit (10,576) (10,505) Operating Revenue 13,251 12,837 Operating Expenses Personnel expenses (2,257) (1,989) General and administrative expenses (1,251) (1,181) Depreciation of investment properties (57) (65) Depreciation of property, plant and equipment (198) (190) Total Operating Expenses (3,763) (3,425) Profit before net impairment charges and income tax expense 9,488 9,412 Impairment charge for the period, net (485) (407) Profit for the period before income tax expense 9,003 9,005 Income tax expense (1,195) (840) Net Profit for the period 7,808 8,165 Attributable to: Owners of the Bank 7,500 7,934 Non-Controlling Interests 308 231
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34 Consolidated Balance Sheet Balance Sheet (AED Mn) FY’25 FY’24 Assets Cash and balances with central banks 36,870 26,700 Due from banks and financial institutions 5,387 5,642 Islamic financing and investing assets, net 262,055 212,427 Investments in Islamic Sukuk measured at amortized cost 90,589 82,161 Other investments at fair value 607 785 Investments in associates and joint ventures 2,935 2,503 Properties held for sale 1,118 988 Investment properties 4,756 4,520 Receivables and other assets 9,886 7,082 Property, plant and equipment 1,745 1,878 Total Assets 415,948 344,687 Liabilities Customers' deposits 320,184 248,546 Due to banks and financial institutions 1,966 5,854 Sukuk financing instruments 25,071 24,154 Payables and other liabilities 15,591 13,279 Total Liabilities 362,813 291,834 Equity Share Capital 7,241 7,241 Tier 1 Sukuk 7,346 10,101 Other Reserves and Treasury Shares 16477 15,875 Investments Fair Value Reserve (1,198) (1,267) Exchange Translation Reserve (2,371) (2,029) Retained Earnings 22,412 19,904 Equity Attributable to owners of the banks 49,908 49,825 Non-Controlling Interest 3,228 3,028 Total Equity 53,135 52,853 Total Liabilities and Equity 415,948 344,687
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35 DIB’S ESG Vision and 2030 ESG Strategy “Own the ESG space”“Own the ESG Space” Priority Areas Strategic Pillars Objectives Finance a Sustainable FutureLead by Example Fully integrate ESG risk assessment and mitigation into all our financing decisions Be the preeminent banking partner to the under- represented segments of society Significantly step up the share of our funding activities towards sustainable projects Be the most diverse Islamic financial institution in our markets of operation Position ourselves as an employer of choice in the banking sector Disclose our financial and non- financial performance in line with best-in-class standards Achieve Net Zero within operations and significantly reduce our footprint across water, waste and energy Be recognized as a trusted institution to our customers and business partners Initiatives all across the bank supporting the growth of DIB ESG strategy Champion Business Ethics and Customer Privacy Embed ESG in decision making Promote Financial Inclusion Propel Sustainable Finance Embrace Diversity & Inclusion Enhance Employee Wellbeing Drive Transparency & Disclosure Reduce Operational Environmental Footprint 1 2 3 4 5 6 7 8
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Sovereigns and Supranationals Republic of Indonesia US$ 2.20bn 4.550% 2030 Sukuk 5.200% 2035 Sukuk JLM & Bookrunner July 2025 Kingdom of Bahrain US$ 1.75bn 6.250% 2033 Sukuk JLM & Bookrunner April 2025 Republic of Turkiye US$ 2.50bn 6.750% 2030 Sukuk JLM & Bookrunner June 2025 Kingdom of Saudi Arabia US$ 5.50bn 4.250% 2030 Sukuk 4.875% 2035 Sukuk JLM & Bookrunner September 2025 Arab Republic of Egypt US$ 1.5bn 6.375% 2029 Sukuk 7.950% 2032 Sukuk JLM & Bookrunner September 2025 Islamic Development Bank US$ 1.75bn 4.211% 2030 Sukuk JLM & Bookrunner March 2025 Islamic Corporation for the Development US$ 500mn 4.391% 2030 Sukuk JLM & Bookrunner September 2025 Sultanate of Oman US$ 1.0bn 4.525% 2033 Sukuk JLM & Bookrunner October 2025 Republic of Indonesia US$ 2.00bn 4.500% 2030 Sukuk 5.000% 2035 Sukuk JLM & Bookrunner November 2025 Emirate of Sharjah US$ 750mn 5.192% 2036 Sukuk JLM & Bookrunner November 2025 State of Qatar US$ 3.00bn 4.250% 2035 Sukuk JLM & Bookrunner November 2025 Olam Agri & Olam Agri Treasury US$ 1.9bn Islamic MLA May 2025 Syndicated Revolving Facility Avolon Aerospace US$ 1.0bn Participant May 2025 Syndicated Term Financing Facility A101 US$ 75mn EUR 100mn MLA & Bookrunner April 2025 Dual Currency Term Facility Govt. of Pakistan acting through Ministry of Finance US$ 1.0bn Islamic Global Coordinator, MLA & Bookrunner June 2025 Syndicated Term Facility Saudi Electricity Company US$ 2.9bn JGC, MLA & Bookrunner Aug 2025 Syndicated Term Finance Facility Govt. of Bahrain US$ 1.7bn (Initial : USD 1.4bn; Accordion: USD 300mn) IMLAB Jul 2025 Syndicated Term Finance Facility with Accordion NDMC US$ 2.1bn MLA Dec 2025 Syndicated Term Finance Facility (Islamic Tranche) Botas Petroleum Pipeline Corporation US$ 2.0bn Islamic MLA & Bookrunner Oct 2025 Syndicated Term Finance Facility Key Cross Border Syndicated Deals DIB Debt Capital Markets – Deal Experience Deals and Transactions in 2025 - (1/4) 36 Kingdom of Saudi Arabia US$ 5.50bn 4.250% 2030 Sukuk 4.875% 2035 Sukuk JLM & Bookrunner September 2025
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GREs Bapco Energies US$ 1.0bn 6.250% 2035 Sukuk JLM & Bookrunner January 2025 Saudi Electricity Company US$ 2.75bn 5.225% 2030 sukuk 5.489% 2035 sukuk JLM & Bookrunner February 2025 Public Investment Fund US$ 1.25bn 4.875% 2032 Sukuk JLM & Bookrunner April 2025 DP World US$ 1.5bn 5.500% 2035 Sukuk JLM & Bookrunner April 2025 ADNOC US$ 1.5bn 4.750% 2035 Sukuk JLM & Bookrunner April 2025 JLM & Bookrunner Saudi Aramco US$3.0bn 4.125% 2030 Sukuk 4.625% 2035 Sukuk September 2025 JLM & Bookrunner Dubai Aerospace US$ 650mn 4.500% s2030 Sukuk October 2025 Oman Electricity Transmission Company US$ 750mn 4.662% 2030 Sukuk JLM & Bookrunner October 2025 Turk Telekom US$ 600mn 6.500% 2030 sukuk JLM & Bookrunner October 2025 Corporates Binghatti Holdings US$ 500mn 8.125% 2030 Sukuk Global Coordinator, JLM & Bookrunner July 2025 Aldar Investment US$ 500mn 5.250% 2035 Sukuk JLM & Bookrunner March 2025 JLM & Bookrunner Damac Real Estate Development Limited US$ 750mn 7.000% 2028 Sukuk February 2025 Sobha Realty US$ 500mn 7.996% 2029 Sukuk JLM & Bookrunner May 2025 Omniyat US$ 500mn 8.375% 2028 Sukuk JLM & Bookrunner April 2025 Dar Al Arkan US$ 750mn 7.250% 2030 Sukuk JLM & Bookrunner June 2025 Arada Developments US$ 450mn 7.150% 2030 Sukuk Global Coordinator, JLM & Bookrunner July 2025 Sobha Realty US$ 750mn 7.125% 2030 Sukuk Global Coordinator, JLM & Bookrunner September 2025 Omniyat US$ 400mn 7.250% 2029 Sukuk Global Coordinator, JLM & Bookrunner September 2025 Almarai US$ 500mn 4.450% 2030 Sukuk JLM & Bookrunner September 2025 Binghatti Holdings US$ 500mn 7.750% 2029 Sukuk Global Coordinator, JLM & Bookrunner September 2025 Majid Al Futtaim US$ 500mn 4.875% 2035 Sukuk JLM & Bookrunner October 2025 Ittihad International US$ 550mn 7.375% 2030 Sukuk JLM & Bookrunner November 2025 Cenomi Centres US$ 500mn 8.875% 2030 Sukuk JLM & Bookrunner November 2025 DIB Debt Capital Markets – Deal Experience GRE and Corporate Transactions in 2025 - (2/4) 37
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Financial Institutions JLM & Bookrunner First Abu Dhabi Bank US$ 800mn 5.153% 2030 Sukuk January 2025 Al Rajhi Bank Tap US$ 200mn 5.047% 2029 Sukuk Sole Manager & Bookrunner January 2025 Al Rajhi Bank US$ 1.5bn 6.250% 2030 Sukuk AT1 JLM & Bookrunner January 2025 JLM & Bookrunner Kuwait Finance House US$ 1.00bn 5.376% 2029 Sukuk January 2025 Sharjah Islamic Bank US$ 500mn 5.200% 2030 Sukuk JLM & Bookrunner February 2025 Emirates Islamic Bank US$ 750mn 5.059% 2030 Sukuk JLM & Bookrunner March 2025 JLM & Bookrunner Mashreq Bank US$ 500mn 5.030% 2030 Sukuk April 2025 JLM & Bookrunner Ajman Bank US$ 500mn 5.125% 2030 Sukuk April 2025 Sharjah Islamic Bank US$ 500mn 6.125% 2031 Sukuk AT1 JLM & Bookrunner May 2025 Qatar Islamic Bank US$ 750mn 4.803% 2030 Sukuk JLM & Bookrunner June 2025 Boubyan Bank US$ 500mn 4.973% 2030 Sukuk JLM & Bookrunner May 2025 Al Rayan Bank US$ 500mn 4.875% 2030 Sukuk JLM & Bookrunner May 2025 JLM & Bookrunner Alinma Bank US$ 500mn 4.937% 2030 Sukuk July 2025 JLM & Bookrunner Alinma Bank US$ 500mn 6.250% 2030 Sukuk AT1 August 2025 JLM & Bookrunner Emirates Islamic Bank US$ 500mn 4.540% 2031 Sukuk September 2025 JLM & Bookrunner Bank Aljazira US$ 500mn 6.500% 2030 Sukuk AT1 September 2025 Vakif Katilim US$ 500mn 8.375% 2031 Sukuk AT1 JLM & Bookrunner October 2025 Qatar International Islamic Bank US$ 500mn 4.500% 2030 Sukuk JLM & Bookrunner November 2025 Sharjah Islamic Bank US$ 500mn 4.600% 2030 Sukuk JLM & Bookrunner October 2025 JLM & Bookrunner Dubai Islamic Bank US$ 1.00bn 4.572% 2030 Sukuk November 2025 JLM & Bookrunner Kuwait Finance House US$ 850mn 6.250% 2031 Sukuk AT1 November 2025 DIB Debt Capital Markets – Deal Experience Financial Institutions Transactions in 2025 - (3/4) 38
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Bloomberg DCM League Table (US Dollar International Sukuk) Rank Manager Volume $ No. of Deals 1 Standard Chartered Bank 8,065 73 2 HSBC 7,829 61 3 Dubai Islamic Bank 6,457 61 4 Emirates NBD 4,989 55 5 Kuwait Finance House 4,607 27 DIB Debt Capital Markets League Tables Standing - (4/4) 39 EMEA Islamic Finance – MLA League Table Rank Lead Manager Volume $ No. of Deals 1 International Islamic Trade Finance Corporation 7,974 22 2 Emirates NBD 6,228 29 3 Dubai Islamic Bank 5,173 12 4 Abu Dhabi Islamic Bank 4,636 14 5 First Abu Dhabi Bank 4,427 23 EMEA Islamic Finance – Bookrunner League Table Rank Bookrunner Volume $ No. of Deals 1 Emirates NBD 7,999 21 2 International Islamic Trade Finance Corporation 7,974 22 3 First Abu Dhabi Bank 6,066 15 4 Standard Chartered Bank 4,048 7 5 Dubai Islamic Bank 4,032 8 Ranked #3 Globally 2025 & 2024 - Bloomberg DCM League Tables Consistently Top 3 on the Bloomberg League Tables - International Sukuk Top regional bank on the Bloomberg League Tables - International Sukuk
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Forbes Middle East 28th Emirates Environmental Corporate Gala Islamic Finance News Awards MEA Finance Banking Technology Awards 2023 Euromoney Awards for Excellence 2023 Islamic Finance News Awards 16th Annual Best Deal & Solution Awards 40 Select Award & Accolades Best Sovereign Bond & Best Green Sukuk of the year 2022 • Most Innovative Islamic Bank • Best Overall Islamic Bank in UAE • Best Corporate Bank in UAE • Best Overall Islamic Bank in Kenya • Best Investment Bank in Kenya • Best Corporate Bank in Kenya • Most Innovative Bank in Kenya • Syndicated Deal of the Year • Turkey Deal of the Year • Corporate Finance Deal of the Year • Pakistan Deal of the Year • Best Overall Islamic Bank • Best Islamic Bank in the UAE • Best Islamic Bank in the Middle East • Best Corporate Payments Service • Best Analytics System (Dubai Islamic Bank and GBM) • Best Innovation in User Experience Islamic Finance News Awards • Best Overall Deal of the year • Best Islamic Retail Bank • Best Islamic Bank in the UAE • Social Impact, SRI ESG Deal • Indonesia Deal of the Year • Sovereign & Multilateral Deal of the Year • UAE Deal of the Year • Best Islamic Bank in Kenya • Corporate Finance Deal of the Year • Real Estate Deal of the Year • Syndicated Finance Deal of the Year • IFN Hybrid Deal of the Year 2023 MEA Finance Industry Awards • Best Sustainable Finance Initiative • Best Sukuk Islamic Fund • Best Sukuk Deal of the Year • Best Islamic Bank - UAE • Best Islamic Digital Banking Provider MEA Business Achievement Awards • Banking and Finance - Outstanding Sustainability Initiative Dubai Islamic Bank • Outstanding New Product/Service Launch DIB Nest • Banking and Finance - Exceptional Products/Services DIB ‘alt’ 20252024 • Oman Deal of the Year • Hybrid Deal of the Year • Sukuk Deal of the Year • Perpetual Deal of the Year • Most Innovative Deal of the Year • Pakistan Deal of the Year • Best Digital Offering by an Islamic Bank in Kenya • Most Innovative Islamic Bank in Kenya • Best Islamic Investment Bank in Kenya • Best Islamic Bank in Kenya • UK Deal of the Year • Best Islamic Investment Bank • Best Islamic Bank in the UAE • Ijarah Deal of the Year • Best Islamic Retail Bank in Kenya • Egypt Deal of the Year • M&A Deal of the Year • Best Islamic Bank for Trade Finance MEA Finance SME Summit and Awards 2025 Best Islamic Bank for SMEs Cultivating Sustainability Award Top 100 Listed Companies 2023
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P . O. Box: 1080, Dubai, UAE +971 4 207 5454, email: investorrelations@dib.ae www.dib.ae/ir