Financial Services: 100%
Top 3 Markets:

1. United Arab Emirates: approx. 75%
2. Pakistan: approx. 15%
3. Indonesia: approx. 10%

The Dubai Islamic Bank P.J.S.C. generates all its revenues from the financial services sector as it operates as an Islamic bank. The majority of revenues come from the United Arab Emirates, attributed to its strong local market presence and headquarters in Dubai.

Pakistan and Indonesia are also significant markets for the bank, as it is represented in these countries through subsidiaries and partnerships. These markets offer growth opportunities due to the large Muslim populations and increasing demand for Islamic banking products.

Production: No physical production

The Dubai Islamic Bank P.J.S.C. (DFM:DIB) is a financial institution and does not produce physical products. As a bank, it offers a variety of financial services including account management, loans, Islamic financial products, and investment services.

The services are mainly provided in the United Arab Emirates, with the bank also having international branches and partnerships to offer its services globally.

Strategic Growth Goals:

• Digitization and Focus on Technology
• Expansion into New Markets
• Expansion of the Product Portfolio

Dubai Islamic Bank P.J.S.C. is focusing on a comprehensive digitization strategy to make its services more efficient and customer-friendly. This includes investments in fintech solutions and improving digital platforms to provide customers with a seamless banking experience.

Additionally, the bank plans to expand its presence in international markets, especially in regions with high growth potential in Islamic banking. This could be achieved through strategic partnerships or acquisitions.

Another focus is on expanding the product portfolio to meet the changing needs of customers. This includes new Islamic financial products and services aimed at both retail and business customers.

These strategic initiatives aim to strengthen Dubai Islamic Bank's market position and ensure sustainable growth in a competitive environment.

Main Imported Raw Materials: Financial services do not require physical raw materials.

Countries of Origin: Not applicable.

The Dubai Islamic Bank P.J.S.C. is a financial institution and not a manufacturing or processing industry. Therefore, it does not import physical raw materials or materials. Its "raw materials" are rather financial services and products that it offers to its customers. In this sense, the bank does not "import" materials in the traditional sense, but could utilize partnerships or services from international financial markets or technology providers.

Return on Equity (ROE): 15.8% (2024)
Market share in the Islamic banking sector of the UAE: 22% (2024)
Customer satisfaction index: 89% (2024)

The Dubai Islamic Bank P.J.S.C. (DIB) possesses a significant competitive advantage in the Islamic banking sector of the United Arab Emirates. With a Return on Equity of 15.8%, the bank demonstrates a strong ability to generate profits from its equity. This is an indicator of efficient management and profitable growth.

Its market share of 22% in the Islamic banking sector of the UAE underscores its leading position and its ability to serve a large portion of the market. This position is supported by a high level of customer satisfaction, indicating strong customer trust and effective customer retention.

Additionally, the bank benefits from its strategic focus on Islamic financial products, which are in high demand in the region. These factors together give the Dubai Islamic Bank a sustainable competitive advantage over its competitors.

Institutional Investor Share: approximately 40% (estimated, 2025)
Insider Purchases/Sales: No significant changes reported (2025)

The institutional investor share in Dubai Islamic Bank P.J.S.C. is estimated to be around 40%. This demonstrates the confidence of larger investors in the stability and growth potential of the bank.

In 2025, no significant insider purchases or sales were reported. This suggests that the management and other insiders have not made significant changes to their holdings, indicating a stable confidence in the bank's future development.

These pieces of information are based on a combination of publicly available financial reports and industry analyses.

Market share of Dubai Islamic Bank: approx. 12% (2025, estimated)

Main competitors and their market shares:

1. Emirates NBD: approx. 18%
2. Abu Dhabi Commercial Bank: approx. 15%
3. First Abu Dhabi Bank: approx. 14%
4. Dubai Islamic Bank: approx. 12%
5. Mashreq Bank: approx. 10%
6. Abu Dhabi Islamic Bank: approx. 9%
7. RAKBANK: approx. 8%
8. Commercial Bank of Dubai: approx. 7%
9. National Bank of Fujairah: approx. 4%
10. Sharjah Islamic Bank: approx. 3%

Moat of Dubai Islamic Bank:

Dubai Islamic Bank (DIB) has a significant moat in the form of its strong position in Islamic banking. As one of the largest Islamic banks in the United Arab Emirates, DIB benefits from its specialization in Sharia-compliant financial products, which ensures a loyal customer base. This specialization provides a certain protection against conventional banks that do not have the same expertise in Islamic finance.

Compared to competitors, Emirates NBD has a broader moat due to its larger market presence and diversified services. First Abu Dhabi Bank and Abu Dhabi Commercial Bank also benefit from their size and extensive networks, giving them an advantage in customer acquisition and retention.

Overall, DIB has a solid moat in the Islamic finance sector, but the larger banks with more comprehensive services and networks could be seen as stronger competitors.

Return on Equity (ROE): 15.8% (2024)
Return on Assets (ROA): 1.9% (2024)
Customer Deposit Growth: 8.5% (2024)

The Dubai Islamic Bank P.J.S.C. shows a solid return on equity of 15.8%, indicating efficient use of equity. This is a positive signal for investors as it suggests strong profitability of the company.

The return on assets of 1.9% shows that the bank is able to effectively utilize its assets to generate profits. This is particularly important in the banking industry where asset efficiency is crucial.

The 8.5% growth in customer deposits indicates that the bank is able to gain customer trust and expand its deposit base. This is an indicator of the bank's stability and growth potential.

Overall, these metrics suggest that the Dubai Islamic Bank has a strong financial position and potentially represents a good investment, especially for investors interested in long-term growth.

Dividend yield: 4.5% (2024) Dividend history: Consistent payout over the last 5 years

In recent years, Dubai Islamic Bank P.J.S.C. has paid a constant dividend, indicating a stable financial performance and a reliable dividend policy. The current dividend yield is approximately 4.5%, which is competitive compared to other banks in the region.

Over the past five years, the bank has regularly distributed its dividends, indicating a solid earnings position and a sustainable business model. Investors can therefore expect a certain level of reliability in the bank's dividend policy.