Investor Presentaiton

Summary Highlights - FY 2023 بنك دبي الإسلامي Dubai Islamic Bank #Ready For TheNew 2023 was a stellar year for DIB where new financing underwriting exhibited solid growth up 37% YoY to AED67 billion. This resulted in net growth of AED 13 billion (post routine repayments and early settlements). The sukuk investment portfolio also witnessed solid growth adding AED 16 billion of net new investments to the portfolio to AED68 billion up 31%. Net Financing and Sukuk growth YoY beats guidance at 12% underpinning the bank's franchise value. Management's commitment for growth depicted through balance sheet expansion of 9%. Asset quality enhancement to 5.4% strengthens the portfolio position and fortifies the bank's position in achieving settlements. DIB outperformed on all year end guidance successfully delivering on its commitment to enhancing shareholders returns with ROTE of 20% in FY 2023. Target Metrics Net financing & Sukuk growth NPF FY 2023 Guidance FY 2023 Actual 5% Revised to 7.5% 12% 6.3% 5.4% Real Estate Concentration 20% 18% Return on Assets 2.0% 2.3% Net Profit Margin 3.0% 3.1% Total Coverage* 113% 121% Cost to Income Ratio 28% 27.1% Return on Tangible Equity 17% 20% *Including collateral 24

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