Investor Presentaiton
Profitability & Cost Structure
Non Funded Income Composition (AED million)
Fees/Comm & FX
■Inc. from Prop HFS Other Income
■Inc./loss other inv. Inc. from Inv. Prop.
■Inc. from Assoc.
OPEX trends (AED million)
بنك دبي الإسلامي
Dubai Islamic Bank
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9%
27%
12%
16%
3,500
266
22
3,162
881
3,000
141
2,733
737
104
713
706
2,500
39
48
30
139
562
594
592
47
79
69
494
59
42
42
47
29
52
28
38
57
28
55585
43
78
2,000
92
155
57
89
44
1,500
39
13
1,000
492
490
502
414
417
365
385
330
500
Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023
Profitability (AED mn)
I Net Operating Revenue Group Net Profit
11,665
10,467
9,422
4,406
2021
FY 2022 OPEX
Personnel
General & Admin
Depreciation
FY 2023 OPEX
Net Profit Margin (%)
Profit Bearing Assets (AED mn)²
Net Profit Margin (%) 1
3.1%
3.0%
287,279
7,010
2.6%
5,552
2022
2023
268,508
256,543
2021
2022
2023
Cost to Income (%)
26.1%
26.9%
26.5%
26.4%
27.1%
FY 2022
Q1 2023
H1 2023 9M 2023
FY 2023
1Net Profit Margin is calculated as Depositors' share of profits subtracted from income from Islamic Financing and Investing Assets transactions divided by Average Profit Bearing Assets.
2Profit Bearing Assets are calculated as the sum of Islamic placements with UAE Central Bank and banks, Islamic financing and investing assets and investment in Islamic Sukuk.
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