Dubai Islamic Bank Reports Record Revenues in 2025 Amid Strong Asset Growth and Profitability
Dubai Islamic Bank (DIB) has released its financial results for the nine-month period ending September 2025, showcasing record revenues and significant asset growth.
Summary
Dubai Islamic Bank's latest financial report for the nine-month period ending September 2025 highlights record revenues, a substantial increase in total assets, and improved asset quality. The bank's performance shows a significant year-on-year growth in key financial metrics, with a strong focus on operational efficiency and risk management.
Dubai Islamic Bank Financial Performance Analysis
Dubai Islamic Bank (DIB), the largest Islamic bank in the UAE, has reported its financial results for the nine-month period ending September 2025. The bank has achieved record revenues of AED 9.7 billion, marking a 6% year-on-year increase. Pre-tax profit surged by 10% to AED 6.6 billion, reflecting strong operational performance and effective risk management strategies.
Key Performance Indicators (KPIs)
| KPI | 9M 2025 | 9M 2024 | Change |
|---|---|---|---|
| Revenue | AED 9.7 Bn | AED 9.1 Bn | +6% |
| Net Profit (Pre-tax) | AED 6.6 Bn | AED 6.0 Bn | +10% |
| RoTE (Pre-tax) | 22% | 21% | +1% |
| Total Assets | AED 393 Bn | AED 345 Bn | +14% |
| Customer Deposits | AED 302 Bn | AED 249 Bn | +21% |
| CET 1 Ratio | 13.4% | 13.2% | +0.2% |
| NPF Ratio | 3.13% | 4.0% | -0.87% |
Performance Comparison
| KPI | 9M 2025 | 9M 2024 | Change |
|---|---|---|---|
| Net Financing Assets | AED 248 Bn | AED 223 Bn | +17% |
| Deposits | AED 302 Bn | AED 265 Bn | +21% |
| Cash Coverage | 107% | 97% | +10% |
The bank's total assets have grown by 14% year-to-date, reaching AED 393 billion, driven by a 21% increase in customer deposits to AED 302 billion. The Common Equity Tier 1 (CET 1) ratio improved by 20 basis points to 13.4%, indicating strong capitalization. The non-performing financing (NPF) ratio decreased to 3.13%, highlighting improved asset quality.
DIB's strategic focus on operational efficiency is evident with a cost-to-income ratio of 28.7%. Impairment charges have declined by 45% year-on-year to AED 292 million, underscoring effective risk management practices.
Conclusion and Investor Implications
Dubai Islamic Bank's robust financial performance in 2025 demonstrates its resilience and ability to capitalize on growth opportunities. The significant increase in total assets and customer deposits, along with improved asset quality and operational efficiency, positions DIB favorably in the competitive banking sector. Investors can view the bank's strong financial metrics and strategic initiatives as indicators of sustained growth and profitability.
Source
Summary
The text refers to a review report and the condensed consolidated interim financial information of Dubai Islamic Bank P.J.S.C. for the nine-month period ending on September 30, 2025.
