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Investor Presentaiton

Capitalization Overview Regulatory Capital¹ (AED billion) Capital Ratios بنك دبي الإسلامي Dubai Islamic Bank #Ready For TheNew ■CET 1 AT1 ■Tier 2 CAR CET1 Ratio Tier 1 42.9 41.4 39.1 40.7 18.5% 2.8 17.1% 17.6% 17.3% 2.6 2.6 2.6 8.3 8.3 11.9 17.3% 8.3 16.0% 16.5% 16.1% 12.0% 12.4% 12.9% 12.8% 26.9 28.2 29.8 31.8 2020 2021 2022 2023 2020 2021 2022 2023 Dividend History* ** 40% 45% 15% 25% 45% 45% 35% 35% 20% 25% 30% 45% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 • Highlights A solid capital base remains a core strength of DIB's financial position ➤ Capital Adequacy Ratio stands at 17.3% down 30 bps YoY. ➤ CET 1 ratio stands at 12.8%, down 10 bps YoY. Both well above regulatory requirements. Proposed dividend of 45% which is subject to shareholder approval during AGM, reflecting the banks commitment towards shareholder returns. The above capital ratios reflect the proposed dividend as well as RWA growth. 1 Refers to Regulatory Capital under Basel III; * Dividend is calculated as dividend per share divided by par value of a share. ** Proposed and subject to AGM and regulatory approvals. 19
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