Recent Research

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  FIRST LOOK NOTES

  13 Feb 2026

  Dubai Islamic Bank (DIB)

  ACCUMULATE

  Last Closing Price

  9.23

  Target Price

  10.50

  Upside (%)

  +13.76%

  UAE Equity Research - Dubai Islamic Bank (DIB) 4Q25 - First Look Note

  The Bank’s financing book expanded 23.4% YOY and 5.5% QOQ to AED 262.1 Bn in 4Q25, supported by robust underwriting activity. Total deposits increased 28.8% YOY to AED 320.1 Bn in 4Q25, underpinned by a 17% rise in CASA balances.

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• 

  EARNINGS CALL INSIGHT

  12 Feb 2026

  Dubai Islamic Bank (DIB)

  ACCUMULATE

  Last Closing Price

  9.14

  Target Price

  10.50

  Upside (%)

  +14.88%

  UAE Equity Research - Dubai Islamic Bank (DIB) 4Q25 - Earnings Call Insight

  Net funded income declined 7.8% YOY to AED 2,325 Mn in 4Q25, mainly due to an increase in funded expense, partially offset by an increase in funded income. Calculated NIMs contracted 74 bps YOY and 15 bps QOQ to 2.4% in 4Q25.

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• 

  FIRST LOOK NOTES

  30 Oct 2025

  Dubai Islamic Bank (DIB)

  HOLD

  Last Closing Price

  9.60

  Target Price

  10.50

  Upside (%)

  +9.38%

  UAE Equity Research - Dubai Islamic Bank (DIB) 3Q25 - First Look Note

  Based on strong growth in 9M25, the Bank upgraded its 2025 Financing and Sukuk growth guidance upward from 15% to 20%. Total deposit expanded 27.5% YOY and 6.4% QOQ to AED 301.9 Bn in 3Q25, driven by growth in retail and corporate segments.

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• 

  EARNINGS CALL INSIGHT

  30 Oct 2025

  Dubai Islamic Bank (DIB)

  HOLD

  Last Closing Price

  9.60

  Target Price

  10.50

  Upside (%)

  +9.38%

  UAE Equity Research - Dubai Islamic Bank (DIB) 3Q25 - Earnings Call Insight

  Net funded income increased 8.8% YOY to AED 2,333 Mn in 3Q25, attributed to a 4.8% YOY rise in funded income mainly due to increased lending and Sukuk portfolio, partially offset by a marginal increase in funded expense.

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• 

  FIRST LOOK NOTES

  08 Aug 2025

  Dubai Islamic Bank (DIB)

  HOLD

  Last Closing Price

  9.66

  Target Price

  9.50

  Upside (%)

  -1.66%

  UAE Equity Research - Dubai Islamic Bank (DIB) 2Q25 - First Look Note

  Customer deposits grew 21.2% YOY and 7.1% QOQ to AED 283.7 Bn in 2Q25, driven by effective strategies for customer acquisition and retention. Calculated NIM contracted by 32 basis points YOY to 2.5% in 2Q25.

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• 

  EARNINGS CALL INSIGHT

  07 Aug 2025

  Dubai Islamic Bank (DIB)

  HOLD

  Last Closing Price

  9.69

  Target Price

  9.50

  Upside (%)

  -1.96%

  UAE Equity Research - Dubai Islamic Bank (DIB) 2Q25 - Earnings Call Insight

  Net funded income declined marginally 0.6% YOY to AED 2,122 Mn in 2Q25, attributed to a 0.3% YOY decline in funded income, partially offset by strong loan growth. Reported NIMs contracted from 2.9% in 1Q25 to 2.7% in 2Q25.

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