Recent Research

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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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• 

  FIRST LOOK NOTES

  30 Apr 2025

  Dubai Islamic Bank (DIB)

  BUY

  Last Closing Price

  7.50

  Target Price

  8.50

  Upside (%)

  +13.33%

  UAE Equity Research - Dubai Islamic Bank (DIB) 1Q25 - First Look Note

  Gross underwriting across financing and investments amounted to c. AED 26 Bn in 1Q25. Consumer business portfolio grew 7% YTD to AED 68 Bn in 1Q25 owing to strong growth in auto finance portfolio. NIMs soften 20 bps YOY to 2.6% in 1Q25.

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• 

  EARNINGS CALL INSIGHT

  28 Apr 2025

  Dubai Islamic Bank (DIB)

  ACCUMULATE

  Last Closing Price

  7.45

  Target Price

  8.50

  Upside (%)

  +14.09%

  UAE Equity Research - Dubai Islamic Bank (DIB) 1Q25 - Earnings Call Insight

  Net funded income grew 2.0% YOY to AED 2.2 Bn in 1Q25, attributed to a 9.6% YOY decline in funded expense owing to lower cost of funds partially offset by contraction in asset yield. Reported NIMs contracted 10 bps YOY and 2 bps QOQ to 2.9% in 1Q25.

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