نظرة على أداء بنك دبي الإسلامي والنتائج المتوقعة للربع الثالث 2026
Dubai Islamic Bank building

Argaam provides an overview of Dubai Islamic Bank (DIB) results for Q3 2026, which the bank is expected to announce soon. The table below shows the bank's quarterly profits starting from Q2 2025. Net profit declined in Q2 2026 compared to the same period a year earlier, mainly due to higher total expenses and tax expenses.The following table illustrates this:

 

Profitability Indicators – AED mln

Item

Q2 2025

Q3 2025

Q4 2025

Q1 2026

Q2 2026

Profit before provisions and non-recurring items

1,951.2

1,898.6

1,939.9

2,136.2

1,925.1

EPS before provisions and non-recurring items (AED/shr)

0.27

0.26

0.27

0.30

0.27

Loan and investment provisions

(93.2)

(35.6)

(193.6)

(420.1)

(69.2)

Net profit

1858.0

1863.0

2039.6

1716.1

1855.9

Exceptional items

0.0

0.0

293.3*

0.0

0.0

Net income before one-offs

1,858.0

1,863.0

1,746.3

1,716.1

1,855.9

EPS excluding one-offs (AED/share)

0.26

0.26

0.24

0.24

0.26

Basic and diluted EPS excluding non-recurring items (AED/share)

0.23

0.26

0.26

0.24

0.23
*Net gain from the disposal of property and equipment.


Key Events in Q3 2026:


- The bank announced the successful closing of its first unrated, unsecured, 3-year senior commodity Murabaha facility, valued at $750 million, as part of its ongoing strategy to diversify the bank’s institutional funding sources..


Key Banking Data 


Data from the Central Bank covering the period through end-August 2026 indicated that UAE bank assets rose 12.9% to AED 5,741.3 billion, compared with AED 5,087 billion in the same period of 2025.

The data also showed that bank deposits increased by 13%, while loans and advances climbed 18.8%, as detailed in the following table:

 

Aggregate UAE Banks’ Data as of end-August 2026 – AED bln

Item

Aug. 2025

Aug. 2026*

Change (%)

Assets

5,087.0

5,741.3

+12.9%

Bank deposits

3,128.5

3,534.8

+13.0%

Loans and advances

2,417.3

2,871.4

+18.8%
*Preliminary data, subject to adjustment/change.


Bank Balance Sheet 

The bank’s balance sheet saw total assets rise 13% in Q2 2026, while net financing investments increased 18% and customer deposits grew 15% during the same period, led by higher time and demand deposits. The following table provides details:
 

Balance Sheet – AED bln

Period

Q2 2025

Q2 2026

Change

Total assets

373.5

423.2

+13%

Net financing investments

237.4

281.0

+18%

Customer deposits

283.7

327.0

+15%

Time deposits

181.3

214.9

+19 %

Demand deposits

101.7

111.3

+9 %
 

Asset Quality and Solvency – AED bln

Item

Q2 2025

Q2 2026

Trend

Non-performing financing

8.29

7.02

↓

Non-performing financing ratio

3.40%

2.45%

↓

Credit loss provisions

6.75

5.95

↓

Coverage ratio for non-performing loans

81.4%

84.7%

↑

Average Estimates for Q3 2026

DIB is forecast to report a net profit of AED 1,700.8 million, 9% lower year-on-year (YoY) based on average forecasts by four research houses.

 

Average Estimates – AED mln

Research house

Estimates (AED mln)

SICO Bank

1,873.0

Citigroup

1,694.0

FAB Securities

1,788.0

Goldman Sachs

1,448.0

Average estimates

1,700.8

Net profit before one-offs (Q3 2025)

1,863.0

Variance (%)

(9%)
 

Share Performance

Item

Bank

Market

Change YTD

(23.19%)

(2.97%)

Change (last 12 months)

(25.76%)

(2.69%)

Previous close

7.12

5,867.31

Recurring P/E (x)

7.18

9.28

Trailing 12-Month EPS Excluding Non-Recurring Items (AED/shr)

0.99

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