Dubai Islamic Bank's 2025 Financial Report: A Robust Year with Strategic Growth and Sustainability Initiatives
Summary
Dubai Islamic Bank's 2025 financial report shows a significant increase in revenue and net profit, driven by strong growth in assets and deposits. The bank's strategic focus on sustainability is reflected in its issuance of a USD 1 billion Sustainability-Linked Sukuk. The report also highlights improvements in asset quality and operational efficiency.Dubai Islamic Bank's Financial Overview for 2025
Dubai Islamic Bank (DIB), the largest Islamic bank in the UAE, has released its audited financial statements for the year ending December 31, 2025. The report highlights a strong financial performance with significant growth in revenue, net profit, and total assets.
Key Performance Indicators (KPIs)
| KPI | 2025 | Change from 2024 |
|---|---|---|
| Total Revenue | AED 23.3 billion | +16% |
| Net Profit (before-tax) | AED 9.0 billion | +27% |
| Total Assets | AED 345 billion | +10% |
| Customer Deposits | AED 265 billion | +7% |
| NPF Ratio | 4.0% | -140 bps |
| Cost-to-Income Ratio | 26.7% | -40 bps |
Analysis of Financial Performance
The 2025 financial year was marked by a robust increase in operating revenue, supported by growth in non-funded income and higher business volumes. The bank's strategic focus on operational efficiency is evident in the cost-to-income ratio, which improved by 40 basis points year-on-year. Impairment charges significantly declined, reflecting effective risk management practices.
Sustainability Initiatives
In 2025, DIB issued its first Sustainability-Linked Sukuk, a USD 1 billion issuance that was more than twice oversubscribed. This strategic move highlights the bank's commitment to innovative financial structures and sustainability, aligning with the UAE’s Net Zero 2050 Initiative.
Conclusion
Dubai Islamic Bank's 2025 financial performance demonstrates strong growth and strategic alignment with sustainability goals. The bank's ability to increase revenue and profit while improving asset quality and operational efficiency positions it well for future growth. For investors, DIB's robust financial health and strategic initiatives in sustainability make it an attractive investment opportunity.
