Dubai Islamic Bank (DIB), the UAE’s largest Islamic bank, delivered another robust performance for the first nine months of 2025, posting record revenues of AED 9.7 billion and a pre-tax profit of AED 6.6 billion, up 10% year-on-year. Total assets advanced 14% year-to-date (YTD) to AED 393 billion, fast approaching the AED 400 billion milestone, while customer deposits rose 21% YTD to AED 302 billion
Strong Financial and Balance-Sheet Growth
Revenues climbed 6% year-on-year, supported by higher non-funded income, rising business volumes, and stable margins. Impairment charges dropped 45% YoY to AED 292 million, reflecting prudent risk management and improved asset quality.
Net-financing assets grew 17% YTD to AED 248 billion, while the sukuk portfolio expanded 16% to AED 95 billion, 77% of which comprises high-quality sovereign and financial-institution credits. The cost-to-income ratio stood at 28.7%, underscoring DIB’s continued operational discipline.
Asset Quality and Capital Strength
Asset quality reached its strongest in years: the non-performing financing (NPF) ratio fell to 3.13%, while total coverage improved to 149% and cash-coverage reached 107%.
Capital levels remain healthy with a CET1 ratio of 13.4%, Tier 1 of 15.9%, and CAR of 16.6%, supported by solid retained earnings. Liquidity also stayed robust, with LCR of 144% and NSFR of 108%
Broad-Based Business Momentum
During 9M 2025, DIB originated over AED 90 billion in new financing and sukuk investments – a 33% YoY rise – driven by strong demand across all business lines.
Consumer Banking expanded 18% YTD to AED 74 billion, adding more than 100,000 new customers.
Corporate and Wholesale Banking advanced 16% YTD to AED 174 billion, with growth in aviation, manufacturing, utilities, and financial institutions.
The Bank’s sustainable-finance portfolio exceeded AED 16 billion, spanning utilities, real estate, waste management, and education
Landmark Transactions Reinforce Global Leadership
DIB reinforced its leadership in Islamic finance through several milestone transactions:
- US$1 billion sovereign syndicated facility for the Government of Pakistan;
- US$1.5 billion dual-tranche sukuk for the Arab Republic of Egypt;
- The first Islamic aircraft financing for Turkish Airlines; and
- Participation in a US$1.85 billion syndicated financing for Olam Agri, arranging the Islamic tranche.
These underscore DIB’s global expertise and its role in mobilising Shariah-compliant capital for sustainable growth
“DIB’s performance and progress clearly demonstrate the strength of its franchise and the effectiveness of its long-term strategy and vision,” said H.E. Mohammed Ibrahim Al Shaibani, Director-General of His Highness The Ruler’s Court of Dubai and Chairman of DIB. “The Bank remains deeply aligned with the UAE’s vision – financing diversification, supporting sustainable enterprises, and advancing Islamic finance as a global model of responsible growth.”
“2025 continues to affirm DIB’s position as a leading force in Islamic finance – resilient, adaptive and firmly aligned with the UAE’s vision for sustainable growth,”
added Dr. Adnan Chilwan, Group Chief Executive Officer of DIB. “Revenues reached a record AED 9.7 billion, underpinned by broad-based growth and digital transformation. With strong capital, best-in-class asset quality, and our AI-driven agenda, DIB remains at the forefront of responsible banking and long-term value creation.”
Innovation, Recognition and Outlook
DIB’s integration of advanced AI and analytics continues to enhance customer experience and operational efficiency. The Bank also earned multiple awards in 2025, including Best Islamic Bank for SMEs, Best Innovation in User Experience in Islamic Finance, and several regional Deal of the Year titles
As it celebrates its 50-year Golden Jubilee, DIB remains focused on sustainable growth, digital innovation, and Shariah-compliant excellence, reinforcing its leadership in global Islamic finance and supporting the UAE’s Net Zero 2050 vision.
