Dubai, UAE: DIB (DFM: DIB), the world’s leading Islamic financial group and the largest in the UAE, convened its Annual General Assembly (AGM), during which shareholders reviewed and approved all agenda items including the Bank’s financial statements for the year ended 31 December 2025, Board of Directors’ recommendation to distribute a cash dividend of 35 fils per share, along with other tabled resolutions presented to the Assembly. The outcome reflects another year of financial resilience, with consistent earnings delivery and measured balance sheet growth. Operating revenues reached AED 13.3 billion, while pre-tax profit stood at AED 9.0 billion. Total assets increased by 21% to AED 416 billion, while net financing assets increased by 23% to AED 262 billion and customer deposits grew by 29% to AED 320 billion.

Asset quality improved further, with the NPF ratio strengthening to 2.65%, while cost of risk remained contained at 14 basis points. The approved dividend represents a total distribution of approximately AED 2.53 billion.

Shareholders also ratified key governance matters, including the election of Board members, confirmation of the Internal Sharia Supervision Committee, and the appointment of external auditors for the 2026 financial year.

Commenting on the successful conclusion of the Bank’s Annual General Assembly, His Excellency Mohammed Ibrahim Al-Shaibani, Director General of His Highness the Ruler’s Court, Government of Dubai, and Chairman of DIB, said: “The UAE’s economic trajectory continues to be defined by clarity of direction, disciplined execution and an institutional framework that enables sustained growth. Within this context, financial institutions are expected to operate with consistency, uphold confidence and contribute meaningfully to the broader economic agenda.

DIB’s performance achieved over the past year strongly demonstrates the strength of a model built on prudent governance, measured decision-making and continuity of purpose. As the Bank marked its Golden Jubilee, it did so with the recognition that institutional relevance is not preserved through legacy alone, but through the ability to evolve while maintaining discipline at its core.

Reflecting a balanced blend of continuity and renewal, the introduction of new Board members brings additional perspective and depth to the Bank’s strategic oversight, embedded with the contributions of outgoing members that will remain an integral part of DIB’s institutional progression.

The Board remains focused on preserving the Bank’s long-term strength and vision, ensuring that growth remains aligned with its risk appetite, and maintaining a consistent contribution to national priorities, underpinned by stability, governance and long-term perspective.”

Dr. Adnan Chilwan, Group Chief Executive Officer of DIB, commented: “The 2025 results reflect a business that has continued to deliver measured growth while maintaining control across the balance sheet and key risk metrics. Operating revenues reached AED 13.3 billion, while total assets stood at AED 416 billion, with expansion across financing assets and customer deposits supported by a stable funding base. At the same time, asset quality improved further, with cost of risk remaining contained.

This reflects a deliberate approach to growth. Scale, in itself, is not the objective; it is the quality of the assets we originate, the resilience of the earnings they generate, and the discipline with which the balance sheet is managed that ultimately define performance over time.

The dividend approved by shareholders reflects a considered balance between delivering returns and retaining the strength required to support future growth, preserve capital resilience and navigate a more variable operating environment. It also reflects the Bank’s continued focus on protecting long-term shareholder value through disciplined capital allocation.

Looking ahead, our focus remains on maintaining balance sheet strength, improving the composition and sustainability of earnings, and continuing to serve customers and the wider economy through Shariah-compliant banking that is commercially relevant, operationally sound and built for the long term.”

Beyond its financial performance, 2025 marked a year of continued strategic progress for DIB, building on its 50-year legacy while further reinforcing its standing at the forefront of Islamic finance. During the year, DIB deepened its regional footprint, advanced its sustainable finance and innovation agenda, and continued to play a meaningful role in financing large-scale transactions across key markets and sectors, as reflected in its ranking as the world’s third-largest sukuk bookrunner in 2025, according to Cbonds. With a well-established franchise and clear strategic direction, DIB remains focused on disciplined growth, customer-led innovation and responsible finance, aligned with the UAE’s broader economic and sustainability priorities and focused on long-term value creation for shareholders, customers and the wider economy.

About DIB:

Established in 1975, DIB is the largest Islamic bank in the UAE by assets and a public joint stock company listed on the Dubai Financial Market. Spearheading the evolution of the global Islamic finance industry, DIB is also the world’s first full service Islamic bank and amongst the largest Islamic banks in the world.  With Group assets now exceeding US$110 billion and market capitalisation of more than US$18 billion, the group operates with a workforce of around 12,000 employees and more than 540 branches in its vast global network across the Middle East, Asia and Africa. Serving over 5 million customers across the Group, DIB offers an increasing range of innovative Shariah-compliant products and services to retail, corporate and institutional clients.

In addition to being the first and largest Islamic bank in the UAE, DIB has a significant international presence as a torchbearer in promoting Shariah-compliant financial services across a number of markets worldwide. The bank has established DIB Pakistan Limited, a wholly owned subsidiary which is the first Islamic bank in Pakistan to offer Priority & Platinum Banking, The launch of Panin Dubai Syariah Bank in Indonesia early marked DIB’s first foray in the Far East, with a stake of nearly 25% stake in the Indonesian bank. Additionally, DIB was given the licence by the Central Bank of Kenya (CBK) to operate its subsidiary, DIB Kenya Ltd. DIB has been designated as D-SIB (Domestic Systemically Important Bank) in UAE. The acquisition of Noor Bank has solidified its position as a leading bank in the global Islamic finance industry. Recently, DIB has successfully acquired minority stake of 25% of T.O.M. Group which provides digital banking services in Türkiye.

The bank’s ultimate goal is to make Islamic finance the norm, rather than an alternative to conventional banking worldwide. DIB has won a range of accolades that are testament to these efforts across diversified areas, including retail, corporate and investment banking, as well as CSR and consultancy services. DIB has been named the “Best Islamic Bank” in various prestigious ceremonies marking the bank’s leadership position in the Islamic finance sector. As a progressive Islamic financial institution, DIB embraces the opportunities and challenges associated with integrating sustainability into its business by delivering sustainable products and services and by advancing the green and social composition. 2025 marked DIB’s Golden Jubilee, with a Bold New Vision for the Future to be prepared to meet the challenges ahead and continue building a legacy of success for the years to come.

For more information, please visit us at www.dib.ae