DFM:DIB Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	20,487	19,548	19,454	17,227	11,739	9,013
Interest Paid on Deposits	11,239	10,576	10,505	8,477	3,634	2,373
Net Interest Income	9,248	8,972	8,949	8,749	8,105	6,639
Net Interest Income Growth (YoY)	3.00%	0.25%	2.29%	7.95%	22.07%	-0.89%
Gain (Loss) on Sale of Assets	293.31	293.31	82.85	0.02	-2.45	13.32
Gain (Loss) on Sale of Investments	140.9	140.9	96.66	0.69	9.16	415.53
Gain (Loss) on Sale of Equity Investments	330.32	381.36	485.27	214.93	128.3	115.95
Other Non-Interest Income	2,956	2,471	2,142	2,119	1,860	1,930
Total Non-Interest Income	4,425	4,279	3,887	2,916	2,363	2,782
Non-Interest Income Growth (YoY)	6.05%	10.08%	33.32%	23.42%	-15.09%	0.37%
Revenues Before Loan Losses	13,673	13,251	12,837	11,665	10,467	9,422
Provision for Loan Losses	722.16	516.59	422.81	1,581	2,103	2,394
Revenue	12,951	12,734	12,414	10,084	8,364	7,028
Revenue Growth (YoY)	-1.44%	2.58%	23.11%	20.56%	19.02%	28.82%
Salaries and Employee Benefits	2,345	2,257	1,989	1,724	1,583	1,511
Occupancy Expenses	246.26	254.97	254.82	205.53	183.56	179.34
Selling, General & Administrative	1,335	1,251	1,181	1,232	966.5	838.57
Total Non-Interest Expense	3,927	3,763	3,425	3,162	2,733	2,529
EBT Excluding Unusual Items	9,024	8,972	8,989	6,922	5,631	4,498
Asset Writedown	3.65	31.15	16	185.45	-	-54.16
Pretax Income	9,028	9,003	9,005	7,108	5,631	4,444
Income Tax Expense	1,214	1,195	839.89	97.61	79.23	38.1
Earnings From Continuing Operations	7,813	7,808	8,165	7,010	5,552	4,406
Minority Interest in Earnings	-338.8	-307.26	-230.95	-212.28	-77.45	-15.03
Net Income	7,475	7,500	7,934	6,798	5,474	4,391
Preferred Dividends & Other Adjustments	350.27	436.36	423.33	424.42	425.03	578.89
Net Income to Common	7,124	7,064	7,511	6,373	5,049	3,812
Net Income Growth	-9.53%	-5.47%	16.72%	24.17%	24.67%	33.31%
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
EPS (Basic)	0.99	0.98	1.04	0.88	0.70	0.53
EPS (Diluted)	0.99	0.98	1.04	0.88	0.70	0.53
EPS Growth	-8.55%	-5.95%	17.85%	26.22%	32.46%	39.18%
Dividend Per Share	0.350	0.350	0.450	0.450	0.300	0.250
Dividend Growth	-22.22%	-22.22%	-	50.00%	20.00%	25.00%
Effective Tax Rate	13.45%	13.28%	9.33%	1.37%	1.41%	0.86%