Dubai Islamic Bank (DIB), the UAE’s Islamic bank, reported another year of solid financial performance for the full year ending 31 December 2025, driven by resilient income streams, robust financing growth and continued balance sheet strength. Total assets grew 21 percent to AED 416 billion, supported by strong momentum across consumer, corporate and cross-border businesses.
DIB recorded operating revenues of AED 13.3 billion, underpinned by solid non-funded income, healthy volumes and stable margins. Pre-tax profit rose 20 percent year-on-year to AED 9.0 billion, reflecting disciplined cost management and a sharply improved cost of risk at 14 bps. Non-performing financing ratios strengthened to 2.65 percent, with total coverage at 160 percent and cash coverage at 120 percent.
The bank’s balance sheet remained on an upward trajectory. Net Financing Assets increased 23 percent to AED 262 billion, while Sukuk investments grew 10 percent to AED 91 billion. Customer deposits saw exceptional growth, rising 29 percent to AED 320 billion, supported by a 17 percent uplift in CASA balances. Total assets reached AED 416 billion.
Consumer Banking assets rose 22 percent to AED 77 billion, supported by record new consumer financing of AED 37 billion. Revenues reached AED 4.9 billion, driven by non-funded income and electronic banking fees. Nearly 90,000 new customers joined during the year.
Local and Cross-Border Wholesale Banking assets grew 24 percent to AED 185 billion. Revenues reached AED 3.3 billion, supported by strong fee income. Cross-border financing nearly doubled, with major activity in utilities and aviation.
DIB more than doubled its sustainable finance portfolio from AED 9.5 billion to AED 19.5 billion, representing 7.3 percent of gross financing, and issued its debut sustainability-linked Sukuk. The bank also recorded over 10 percent improvement in operational energy efficiency.
DIB advanced its transformation agenda by scaling enterprise-wide AI deployment, delivering substantial reductions in processing time, enhanced customer targeting and improved operational oversight. The alt app continued to drive digital engagement, with 97 percent of customers transacting digitally and 80 percent of new customers onboarded digitally.
His Excellency Mohammed Ibrahim Al Shaibani
Director-General of His Highness The Ruler’s Court of Dubai and Chairman of DIB
“The UAE’s economic progress has been shaped by a clear national direction: to strengthen competitiveness, enable private-sector growth, attract investment, and build resilience that endures. These priorities are not abstract; they require strong institutions, sound governance, and financial systems that mobilise and utilise capital responsibly while safeguarding stability and trust. Within this framework, DIB’s role is to serve as a reliable partner to the real economy—supporting productive sectors and communities through Shariah-compliant banking that is rooted in long-term stewardship.
In 2025, DIB’s performance reflected the strength of this model. The Bank continued to expand, sustained its earnings capacity, and strengthened the quality of its balance sheet, while maintaining a prudent approach to risk and capital. This is a defining feature of responsible growth: performance delivered without compromising resilience. It reinforces the Bank’s ability to support customers through changing conditions and to contribute meaningfully to the UAE’s continuing economic momentum.
The Board’s focus is to ensure that DIB’s growth remains aligned with strategic priorities and delivered with institutional rigour, anchored in the highest standards of governance, transparency and accountability. This ensures that performance is matched by strong controls and prudent decision-making. It includes embedding risk discipline at every level of decision-making, investing in capabilities that strengthen operational resilience and elevate customer experience, and ensuring that capital is deployed efficiently to support sustainable growth and long-term value creation.
In this context, the Bank’s results provide a strong foundation for the future. DIB delivered another year of strong balance sheet progress, with total assets growing by 21% to AED 416 billion in 2025, reflecting the continued strengthening of the Bank’s franchise. This growth was supported by a robust expansion in customer deposits, which grew by 29% to AED 320 billion, reinforcing the stability and resilience of our funding base built on customer trust. Together, these outcomes reinforce DIB’s capacity to support the real economy responsibly and at scale, while serving customers across retail, SME and corporate segments.
As DIB continues to strengthen its regional and international footprint, it will do so while remaining anchored in the UAE’s economic priorities and in the same principles that protect trust and reinforce resilience. DIB will continue to play its role—supporting growth through Shariah-compliant finance, strengthening the foundations of confidence and stability, and creating enduring value for shareholders, customers and the wider economy.”
Dr. Adnan Chilwan
Group Chief Executive Officer of DIB
“In 2025, our focus was on converting momentum into measurable delivery—strengthening the balance sheet, improving the quality of earnings, and sustaining a risk profile that supports growth at scale. Throughout the year, management priorities were anchored in execution: sharpening portfolio discipline, strengthening revenue composition, and reinforcing the operating platform to deliver faster, more consistently, and with greater resilience across the Bank.
This was reflected in solid financial outcomes. Operating revenues reached AED 13.3 billion, and pre-tax profit totalled AED 9.0 billion, supported by healthy business volumes and resilient margins. Revenue diversification strengthened further, with non-funded revenues rising to AED 4.3 billion (+10.1%), supporting a more balanced revenue profile. Net financing assets and Sukuk investments grew by 20% to AED 353 billion, reflecting continued momentum across our core businesses. This growth was underpinned by AED 124 billion in new gross financing and Sukuk investments, representing a solid 80% YoY increase.
Crucially, performance continued to be delivered with strengthening risk indicators. The non-performing financing (NPF) ratio improved to 2.65% (down 135 bps YoY), coverage strengthened to 120%, and cost of risk (CoR) remained exceptionally low at 0.14%. These outcomes reflect consistent underwriting standards, prudent provisioning and active portfolio management, ensuring that growth remains well-supported.
Along with financial delivery, 2025 also reflected DIB’s capability to execute on complex mandates and national priorities. The Bank continued to deliver sovereign and strategic financings, advanced aviation-related structured transactions, and participated in the UAE’s Digital Dirham pilot, supporting a landmark government transaction completed in less than two minutes as part of the UAE’s Central Bank Digital Currency (CBDC) initiative. These milestones reinforce the breadth of our execution capabilities, and the role DIB continues to play in enabling priority sectors and national initiatives through Shariah-compliant solutions.
Looking ahead, our priorities remain clear: sustain disciplined growth, protect balance sheet quality, deploy capital efficiently, and continue investing in operational resilience and customer experience, guided by a simple principle: ‘Progress Never Stops’. So that performance remains durable and DIB continues to support the UAE’s real economy with consistency and strength.”
Operating revenue for FY2025 reached AED 13.3 billion, with pre-tax profit at AED 9.0 billion. Net profit after tax stood at AED 7.8 billion. Total assets increased to AED 416 billion, deposits to AED 320 billion and the NPF ratio improved to 2.65 percent. Capital ratios remained solid, with CET1 at 12.3 percent and CAR at 15.5 percent.
DIB received several industry recognitions across sustainability, cybersecurity, innovation and Islamic finance. The bank also executed major sovereign, GRE and corporate Sukuk and financing transactions across Saudi Arabia, Bahrain, Türkiye, Pakistan and the UAE.
