DIB's Digital Journey
Operating Performance
Profitability (AED mn)
9,267
9,471
8,202
Net Profit Margin
بنك دبي الإسلامي
Dubai Islamic Bank
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OPEX trends (AED mn) & Cost to Income
2,728
3.14%
3.15%
2,358
2,322
1,700
269,261
262,338
1,580
1,587
29.40%
28.30%
5,004
5,103
4,628
3,160
2.61%
2.54%
1,246
715
201,919
205,288
1,864
26.90%
191
26.90%
134
139
95
838
608
632
436
2018
2019
2020
1H2021
2018
2019
2020
1H2021
2018
2019
2020
1H2021
Net Operating Revenue
Group Net Profit
Profit Bearing Assets (AED mn)²
Net Profit Margin (%) 1
General & Admin
Personnel
Depreciation
Cost to income (%)
ROA (%)
ROE (%)
Cost of Funds
2.32%
2.25%
1.30%
1.22%
18.1%
17.1%
10.4%
10.4%
2.31%
1.93%
1.41%
0.80%
2018
2019
2020
1H2021
2018
2019
2020
1H2021
2018
2019
2020
1H2021
Return on Assets (%)
Return on Equity (%)
-Cost of funds (Deposits)
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.
ROE - Being the ratio of annualized net profit (excluding one off / exceptional items) attributable to equity holders to average shareholders' equity, adjusted for estimated dividend distribution.
ROA - Being the ratio of annualized net profit (excluding one off / exceptional items) for the group to average total assets.
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