DDubaist

DFM · DIB

Dubai Islamic Bank

Identity revalidation is due; this dated record is not proof of current listing status · 2026-08-11
Research depth
Review ready · verified figures appear when approved
Sector lens
Banks
Reporting context
FY2025 audited; H1 2026 reviewed IAS 34

Company overview

Exchange
DFM
Ticker
DIB
ISIN
AED000201015
Market identifier code (MIC)
XDFM
Stable research ID
DFM-DIB
Industry evidence
UAE full-service Islamic banking
Sector
Banks
Instrument type
Listed equity
Research status
Review ready · verified figures appear when approved
Latest financial period
FY2025 audited; H1 2026 reviewed IAS 34
Identity evidence checked
2026-08-11
Identity checked
Identity revalidation is due; this dated record is not proof of current listing status
Listing lifecycle
Listing confirmed in the dated recordA dated identity record does not prove the current listing state after its verification date.
Issuer participationProfile foundation available

Dubai Islamic Bank · What the issuer can provide

  • current identity confirmation
Review the issuer partnership standard
Coverage basis

Why this company is in the directory

Coverage follows a reconciled listed-security identity and dated evidence. Inclusion describes research scope only; it is not a ranking, recommendation or claim of complete financial coverage.

Identity reconciliation
Exchange and ticker matched the research registry
Current public research layer
Review ready · verified figures appear when approved
Evidence boundary
Identity record checked: 2026-08-11
No source — no fact

Company evidence map

Open a card to inspect its public evidence. Missing, stale, conflicting or unavailable data is never replaced with an estimate.

Review ready · verified figures appear when approved
Stale

Listed-security identity

Revalidation is due; the dated record is not proof of current listing status.

Checked: 2026-08-11Available

Issuer profile

Verified public issuer fields are available.

Available

Source documents

3 source documents are linked to public facts.

Missing

Company activity

No linked activity currently passes every public source-document check.

Available

Official sources

A rights-reviewed official identity source is linked.

Open the Company Brief
Public identity dossier

Verified listing identity

The fields below come from the current public company registry and any human-published issuer profile. Empty issuer-contact fields stay visibly missing until source and publication-rights review are complete.

Official listed name
Dubai Islamic Bank
Available
Exchange
DFM
Available
MIC
XDFM
Available
Ticker
DIB
Available
ISIN
AED000201015
Available
Instrument
Listed equity
Available
Sector
Banks
Available
Industry
UAE full-service Islamic banking
Available
Identity checked
2026-08-11
Available
Official website
Missing
Missing
Investor relations
Missing
Missing
Registered address
Missing
Missing
Public contacts
Missing
Missing
Latest verified update

Company activity context

Only exact-security, human-published activity that passes every public source-document check can appear here.

No linked update currently passes every public gate.

Open the full chronology
No source — no fact

Public identity passport

Required identity fields are shown individually with their evidence state. A public link is not reuse permission, and a blank is never converted to a guess.

Stale

Sector and industry

Banks · UAE full-service Islamic banking

Stale

Listing status

Listing confirmed in the dated record

Missing

Official website

Not available in the public evidence layer

Missing

Investor relations

Not available in the public evidence layer

Missing

Registered address

Not available in the public evidence layer

Missing

Public email

Not available in the public evidence layer

Missing

Public phone

Not available in the public evidence layer

Missing

Business description

Not available in the public evidence layer

How fields are verified

Verified issuer profile

A verified public issuer profile has not been published yet.

Business model

Full-service Sharia-compliant bank earning financing and sukuk yield less depositors/sukuk-holder profit share, plus fees and FX, across consumer, business/corporate, treasury and capital-markets activities. Economics depend on profit margin, CASA and wholesale funding, expected credit losses, liquidity and regulatory capital; property exposure also arises through financing, investment properties and a 44.9% Deyaar associate.

Dubaist fundamental review

Dubai Islamic Bank — the property line that changed sides

Author
Lapshin Vadim
Evidence checked

Deyaar changed sides, and the property line moved with it

Deyaar Development used to be a 55%-owned subsidiary consolidated line by line into Dubai Islamic Bank; by the first half of 2026 it had become a 44.9% associate carried on a single line. Deyaar is itself quoted on DFM, so for years the same towers and land bank were visible twice in one market: once in Deyaar's own accounts and once inside DIB's consolidated property revenue, assets and non-controlling interests. A five-year property series read straight through that switch compares two perimeters, and no deconsolidation bridge exists. Direct investment property of AED 4.77bn, real estate at 13% of total financing and a separate 20% weight inside the corporate book overlap.

The five-year run begins after a takeover

Noor Bank was bought in 2020, so FY2021 to FY2025 are entirely post-acquisition, with no clean organic starting year. Assets rose from AED 279.1bn to AED 415.9bn, net financing from AED 186.7bn to AED 262.1bn, the sukuk book from AED 41.8bn to AED 90.6bn, deposits from AED 205.8bn to AED 320.2bn and group profit from AED 4.4bn to AED 7.8bn. Impairment charges fell over the same span from AED 2.45bn to AED 0.49bn, supplying much of that improvement. Around the core bank sit franchises opened in Pakistan in 2006, Jordan in 2010 and Kenya in 2017, the Indonesian partner Panin Dubai Syariah, the advisory arm Dar Al Sharia and Tanmyeh.

Cheap money is a third of the deposits here

Of AED 327.0bn of customer deposits at the half year, current and savings accounts were AED 111.3bn, or 34.0%. Amounts due to banks grew from AED 2.0bn to AED 9.9bn — wholesale money did part of the work. The management profit margin was 2.4% against 2.7% a year earlier, impairment charges rose 91.0%, pre-tax profit added 0.6% and owner profit fell 0.7%. Liquidity coverage was 140% and net stable funding 105%.

Two issuer documents report two dividend amounts

The general meeting of 1 April 2026 approved AED 0.35 per share, or AED 2,529.473m. The half-year group cash flow statement records AED 2,649.853m of dividends paid. The AED 120.380m difference is allocated nowhere, and no parent payment date is given. The gap between Tier 1 at 15.3% and CET1 at 13.0% is AED 7,346m of perpetual instruments with discretionary distributions — not common equity. Investment Corporation of Dubai held 27.97% at FY2025 and the chairman is simultaneously its managing director.

What the disclosure declines to quantify

The Sharia supervisory board met 17 times and reported incidents of non-compliance without stating how many, how large, or how much income was forfeited. Also absent: the Deyaar deconsolidation bridge, the cures and re-defaults behind a falling Stage 3 balance, impairment and risk-weighted assets by segment, and loan-to-value detail on the property book. This page carries no price and no portfolio instruction.

Bank evidence plan

How to read this bank without mixing scopes

These are verification questions, not performance conclusions. Every future value must retain its bank or group perimeter, period, currency, unit and document locator.

Preserve the Islamic-bank reporting vocabulary

  1. Use the issuer's exact labels for financing, deposits, investment accounts and Shariah-compliant instruments.
  2. Keep bank-only and group disclosures separate before calculating any ratio.
  3. Tie capital, impairment and distribution measures to the exact regulatory and accounting basis.
Financial article · plain language

How to read this bank's finances

Numerical values remain in the separate source-document check

How this bank earns money

Financing and investment assets generate Shariah-compliant income rather than conventional interest. Profit paid to depositors or investment-account holders, sukuk funding, fees and investment income must retain the issuer's terminology.

Five questions that connect the income statement and balance sheet

1. What finances customers?

Start with customer lending or financing, investments and liquid assets. Growth is meaningful only after checking the reporting perimeter, currency, segment and whether an acquisition changed the comparison base.

2. Where does income come from?

Financing and investment assets generate Shariah-compliant income rather than conventional interest. Profit paid to depositors or investment-account holders, sukuk funding, fees and investment income must retain the issuer's terminology.

3. What is happening to credit quality?

Read non-performing exposures, impairment, coverage and cost of risk together on the same date. A lower problem-loan ratio can reflect repayments, write-offs, restructuring or denominator growth—not only better underwriting.

4. How is the bank funded and protected?

Compare customer deposits or equivalent funding with market borrowing, sukuk or bonds. Then read liquidity and regulatory capital on their official basis; accounting equity is not a substitute for regulatory capital.

5. Can returns and distributions persist?

Reconcile net profit to recurring income, operating costs, impairment, tax and one-offs. ROE, dividend capacity and growth need compatible periods and capital bases; a declared distribution is not the same as a sustainable payout.

Official-source snapshot

What the company does and where to verify it

A manually reviewed, paraphrased snapshot from issuer and official market records. Each field keeps its exact source and verification date.

Business in plain language

A full-service Islamic bank serving individuals and businesses through Sharia-compliant financing, deposits, payments, corporate banking, treasury and capital-markets services.

Official website
https://www.dib.ae/Source · Dubai Islamic Bank · About Us
Investor relations
https://www.dib.ae/about-us/investor-relations/homeSource · Investor Relations · Home
Head office
11th Floor, New DIB Head Office Tower A, P.O. Box 1080, Dubai, UAESource · DIB Investor Relations · Contact
Public email
IR@dib.aeSource · DIB Investor Relations · Email

Bank analytical model

The metrics below define the correct analytical lens for this business model. They contain no company values: a value appears only after official-document provenance and editorial verification.

P/B and ROE
Price-to-book must be read together with return on average equity and the same reporting scope.
NIM
Net interest or financing margin on the issuer-disclosed average earning-asset basis.
NPL ratio
Non-performing loans or financing divided by the disclosed gross credit exposure.
Provision coverage
Credit-loss allowances relative to non-performing exposure, preserving collateral and write-off policy.
CASA
Current and savings accounts as a share of customer deposits on the issuer-reported basis.
Cost of risk
Credit impairment charge divided by the disclosed average loan or financing base.
CET1 and capital adequacy
Regulatory capital ratios reported for the stated entity, date and supervisory basis.
Read the evidence guide
What changed

Verified company activity

Only exact-security activity that passes the automatic source, locator, date and localization gates is shown. Exceptions remain unpublished. Each date keeps its lifecycle meaning.

Full company chronology

No linked activity currently passes every public source-document check.

Sources

Identity evidence

Identity evidence
Exchange-hosted evidence
Identity record checked
2026-08-11
Evidence host
assets.dfm.ae
Open the dated sourceReview source and rights policyPublic access to this link is evidence access only. It does not by itself grant automated collection, storage or republication rights.

Research collections

This company appears in the dated public collections below. Membership describes coverage and evidence context; it is not a ranking or recommendation.

DFM companies

Public profiles with canonical exchange DFM.

Membership version
v1
Effective from
Open collection

Banks

Public profiles assigned to this sector in the dated public registry.

Membership version
v1
Effective from
Open collection

Full public company reviews

Public profiles with a complete source-linked review currently visible to every reader.

Membership version
v1
Effective from
Open collection

Identity revalidation due

Dated public identity checks earlier than 18 August 2026; this does not assert current listing status.

Membership version
v1
Effective from
Open collection

Public preview

Deep financial analysis

Verified public facts and their source trail remain free. Normalization notes, scenario work and analytical conclusions require an active premium entitlement.

Premium access is not active

Payments are not yet available. No charge can be made.

Dubaist · Free / Premium

Research products

Open this company's free source-linked fundamental-review preview or compare coverage packs and ongoing monitoring. Coverage is not an investment ranking.

Explore factual peers using the same sector lens. Order is directory-based, not a ranking or recommendation.

ADX · FAB

Diversified UAE-headquartered conventional and Islamic banking group serving government/public-sector institutions, corporates, financial institutions, SMEs, retail, affluent, private-banking and wealth clients. It earns net interest/spread income from loans and securities; fees from payments, trade finance, cash management, cards, capital markets and advisory; and markets/investment income. Reported segments are Investment Banking & Markets, Wholesale Banking, Personal/Business/Wealth/Privileged Client Banking and Head Office/subsidiaries, with a broad international network.

Research lens: Bank analytical model
  • P/B and ROE
  • NIM
  • NPL ratio
Framework only — no company values or recommendation.Read the evidence guide
DFM · EMIRATESNBD

Dubai-government-controlled diversified banking group earning net interest and Islamic financing margin plus fees and markets income across UAE retail and wealth, corporate and institutional banking, treasury, Emirates Islamic, DenizBank Türkiye, Emirates NBD Egypt and RBL Bank India. Economics depend on NIM and deposit mix, credit losses, efficiency, liquidity, regulatory capital, FX/hyperinflation and acquisition integration.

Research lens: Bank analytical model
  • P/B and ROE
  • NIM
  • NPL ratio
Framework only — no company values or recommendation.Read the evidence guide
ADX · ADCB

Consumer, corporate and investment banking, treasury, property management and subsidiaries

Research lens: Bank analytical model
  • P/B and ROE
  • NIM
  • NPL ratio
Framework only — no company values or recommendation.Read the evidence guide