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.
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