DFM:DIB Income Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	19,461	19,454	17,227	11,739	9,013	10,370
Interest Paid on Deposits	10,293	10,505	8,477	3,634	2,373	3,672
Net Interest Income	9,168	8,949	8,749	8,105	6,639	6,699
Net Interest Income Growth (YoY)	5.81%	2.29%	7.95%	22.07%	-0.89%	6.24%
Gain (Loss) on Sale of Assets	82.85	82.85	0.02	-2.45	13.32	5.5
Gain (Loss) on Sale of Investments	96.66	96.66	0.69	9.16	415.53	526.72
Gain (Loss) on Sale of Equity Investments	548.86	485.27	214.93	128.3	115.95	20.14
Other Non-Interest Income	2,456	2,142	2,119	1,860	1,930	2,083
Total Non-Interest Income	4,259	3,887	2,916	2,363	2,782	2,772
Non-Interest Income Growth (YoY)	20.37%	33.32%	23.42%	-15.09%	0.37%	-6.39%
Revenues Before Loan Losses	13,427	12,837	11,665	10,467	9,422	9,471
Provision for Loan Losses	184.92	422.81	1,581	2,103	2,394	4,015
Revenue	13,242	12,414	10,084	8,364	7,028	5,455
Revenue Growth (YoY)	15.14%	23.11%	20.56%	19.02%	28.82%	-27.56%
Salaries and Employee Benefits	2,154	1,989	1,724	1,583	1,511	1,700
Occupancy Expenses	264.24	254.82	205.53	183.56	179.34	190.71
Selling, General & Administrative	1,226	1,181	1,232	966.5	838.57	837.68
Total Non-Interest Expense	3,644	3,425	3,162	2,733	2,529	2,728
EBT Excluding Unusual Items	9,598	8,989	6,922	5,631	4,498	2,728
Asset Writedown	16	16	185.45	-	-54.16	-536.47
Other Unusual Items	-	-	-	-	-	1,015
Pretax Income	9,614	9,005	7,108	5,631	4,444	3,206
Income Tax Expense	1,216	839.89	97.61	79.23	38.1	46.06
Earnings From Continuing Operations	8,398	8,165	7,010	5,552	4,406	3,160
Minority Interest in Earnings	-303.02	-230.95	-212.28	-77.45	-15.03	134.13
Net Income	8,095	7,934	6,798	5,474	4,391	3,294
Preferred Dividends & Other Adjustments	385.45	423.33	424.42	425.03	578.89	554.88
Net Income to Common	7,710	7,511	6,373	5,049	3,812	2,739
Net Income Growth	9.38%	16.72%	24.17%	24.67%	33.31%	-34.31%
Basic Shares Outstanding	7,227	7,227	7,227	7,227	7,227	7,227
Diluted Shares Outstanding	7,227	7,227	7,227	7,227	7,227	7,227
Shares Change (YoY)	-	-	-	-	-	9.90%
EPS (Basic)	1.07	1.04	0.88	0.70	0.53	0.38
EPS (Diluted)	1.07	1.04	0.88	0.70	0.53	0.38
EPS Growth	10.51%	17.85%	26.22%	32.46%	39.18%	-45.17%
Dividend Per Share	0.450	0.450	0.450	0.300	0.250	0.200
Dividend Growth	-	-	50.00%	20.00%	25.00%	-42.86%
Effective Tax Rate	12.65%	9.33%	1.37%	1.41%	0.86%	1.44%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.