Investor Presentaiton
Segmental Overview - Consumer
بنك دبي الإسلامي
Dubai Islamic Bank
#Ready For TheNew
Management Commentary
Breakdown by Portfolio - Dec 2023
Revenue Trends (AED mn)*
.
Portfolio is up by 8% YoY to AED 56 billion.
+9%
5,323
Gross new consumer financing amounted to
AED 22 billion, 22% higher YoY.
Positive growth in revenues up 9% YoY to
AED 5.3 billion.
Home
Finance,
44%
Personal
Finance,
YoY
4,875
34%
856
846
AED
56 bn
6.78%
5.96%
•
Yields grew to 6.8%, up 82 bps YoY.
Automobile, personal finance and SME
business supported consumer banking
portfolio growth YoY.
CASA balance is stable over the year despite
high profit rates, showing stickiness in
consumer portfolio.
Segment Net Financing / Deposits (AED bn)
19
49
80
79
49
52
42
79
56
888
Auto
Finance,
17%
4,029
Cards, 5%
FY 2022
4,467
FY 2023
Fees & Commission, Others
Net Funded Income
Yield on Financing
CASA (AED bn)
32
31
30
30
19
19
19
18
2020
2021
Net Financing
2022
2023
Deposits
2020
2021
2022
2023
Current Account
Savings Account
Segmental results for current and prior years reflect results in accordance with enhanced management account policies for cost allocation and transfer pricing.
12View entire presentation