Investor Presentaiton
Resilient Balance Sheet Performance
AED million
Dec 2023 Dec 2022
Net financing assets & sukuk investments
Total Assets
Customer Deposits
Sukuk financing instruments
267,626
314,292
222,054
20,481
YOY
Change
238,271 12%
288,238
Sep 2023
9%
265,253
313,380
QoQ
Change
1%
0%
198,637 12%
220,917
•
1%
22,340 (8%)
20,482
0%
Equity
47,406
43,975
8%
46,009
3%
Total liabilities & Equity
314,292
288,238
9%
313,380
0%
NPF
ROTE
RoA
CET1
CAR
Asset Growth (AED bn)
287
282
279
275
300
292
288
313
314
بنك دبي الإسلامي
•
FY 2023 Highlights
Dubai Islamic Bank
#Ready For TheNew
Robust growth in net financing and sukuk
investments now at AED 268 billion, up by
12.3% YoY.
Financing assets were up 7.2% YTD while
the fixed income book closed the year at
AED 68 billion, up by 30.5% YoY.
Gross new financing & sukuk investments in
FY 2023 amounted to AED 88 billion up a
strong 40% YoY.
Total assets now at AED 314 billion growing
by 9% YoY.
Significant improvements in core DIB asset
quality portfolio leading to NPF declining by
110 bps to 5.4%.
5.4%
20.0%
17.0%
6.5% (110 bps)
300 bps
6.0%
(60 bps)
18.0%
200 bps
2.3%
2.0%
30 bps
2.2%
12.8%
12.9%
17.3%
17.6%
(10 bps)
(30 bps)
13.6%
18.1%
10 bps
(80 bps)
(80 bps)
•
Net Financing & Sukuk (AED bn)
Deposits (AED bn)
Net Financing
Sukuk
187
191
194
199 199
187 186 185 190
206
204
202
42
22
44 47
49
52
55 61
66
68
221 222
211
199
198
187
FY Q1 H1 9M FY Q1 H1 9M FY
2021 2022 2022 2022 2022 2023 2023 2023 2023
FY Q1 H1 9M FY Q1 H1 9M FY
2021 2022 2022 2022 2022 2023 2023 2023 2023
FY Q1 H1 9M FY Q1 H1 9M FY
2021 2022 2022 2022 2022 2023 2023 2023 2023
ROTE - Being the ratio of annualized net profit attributable to shareholders to average shareholders' equity adjusted for the estimated proportionate dividend and excluding Tier 1 issuances.
ROA - Being the ratio of annualized net profit (excluding one off / exceptional items) for the group to average total assets.
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