Islamic Commercial Bank

Dubai Islamic Bank Financial Data

Part of PakFinHub's DIB coverage — full balance sheet, capital adequacy, segment, and portfolio detail.

• Q1 FY2026 Unaudited
• FY2025 Audited
• VIS AA/A-1+

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

This page pulls together DIBPL's full financial picture in one place — balance sheet, capital adequacy, business-segment split, and Islamic financing portfolio composition — sourced from its audited FY2025 annual statements and its unaudited Q1 FY2026 condensed interim financial information. For the narrative headline figures alone, see our Bank Overview page; for credit rating and auditor detail, see our Corporate Info & Rating page.

Balance Sheet at a Glance

Source: DIBPL Condensed Interim Financial Information for the period ended March 31, 2026 (unaudited) and Financial Statements for the year ended December 31, 2025 (audited, KPMG Taseer Hadi & Co.). FY2024 investments figure not independently re-derivable from the interim filing.

Balance Sheet Detail (Q1 FY2026)

Source: DIBPL Condensed Interim Statement of Financial Position, as at March 31, 2026 (unaudited).

Income Statement

Quarterly figures (Q1 FY2026 vs Q1 FY2025) aren't comparable to the FY2025 vs FY2024 annual figures below them — keep the two tables separate rather than reading them as one continuous trend.

Operating expenses rose year-on-year even as profit/return earned fell, which is why profit before taxation dropped more sharply than the top line alone would suggest — quarterly operating expenses of Rs 5.20 billion in Q1 FY2026 were already up from Rs 4.21 billion in Q1 FY2025.

Source: DIBPL Condensed Interim Statement of Profit and Loss Account for the period ended March 31, 2026 (unaudited), and audited Financial Statements for the year ended December 31, 2025.

Capital Adequacy & Regulatory Ratios

Every regulatory ratio above sits comfortably above its SBP minimum — Total CAR (19.29%) against an 11.50% floor, LCR (203.64%) and NSFR (140.04%) both well above the standard 100% minimum. All ratios eased slightly quarter-on-quarter, consistent with the balance sheet growing faster than capital was replenished in the quarter, not a capital adequacy concern on these numbers.

Source: DIBPL Condensed Interim Financial Information, Note 37 (Capital Adequacy, Leverage Ratio & Liquidity Requirements), as at March 31, 2026.

Business Segment Breakdown

DIB reports four segments: Corporate Banking, SME & Commercial Banking, Consumer Banking, and Treasury. Corporate Banking is by far the largest financing segment — more than four times the size of Consumer Banking's financing book, even though this site's product coverage (Auto, Home, Personal Finance) is entirely on the Consumer Banking side.

Consumer Banking's total assets (Rs 245.70B) look large next to its financing book (Rs 38.63B) because the segment also carries a big share of cash and bank balances in DIB's segment reporting — the financing figure is the more relevant number for comparing DIB's actual retail lending scale against its corporate book. See our Corporate & Investment Banking page and Trade Services page for what that Corporate segment actually sells.

Source: DIBPL Condensed Interim Financial Information, Note 35 (Segment Details), as at March 31, 2026.

Islamic Financing Portfolio Composition

Running Musharaka Financing is DIB's single largest financing category by far — more than five times the size of its combined Auto and Home Finance books (Shirkatulmilk Autos + Housing).

Asset Quality

Rs 18.63 billion of the Rs 273.98 billion gross financing book was classified non-performing as at March 31, 2026 — a non-performing ratio of about 6.80%, improved from roughly 7.57% at December 31, 2025 (Rs 19.38 billion of Rs 255.83 billion). Credit loss allowance held against the financing book was Rs 17.45 billion, covering close to 94% of non-performing exposure.

Source: DIBPL Condensed Interim Financial Information, Note 10 (Islamic Financing and Related Assets), as at March 31, 2026.

Deposit Mix

Current deposits grew while savings and term deposits both eased back — a mix shift toward lower-cost, non-remunerative current accounts, which is generally favourable for a bank's cost of funds even though total deposits fell overall.

Source: DIBPL Condensed Interim Financial Information, Note 18 (Deposits and Other Accounts), as at March 31, 2026.

Credit Rating

VIS Credit Rating Company Limited maintained DIB Pakistan's medium-to-long-term rating at AA (Double A) and short-term rating at A-1+ (A One Plus) on June 30, 2025, with the outlook improved from Stable to Positive. See our Corporate Info & Rating page for auditor and regulatory-status detail alongside this rating.

Financial Data FAQs

Official Sources & Last Verified

All figures on this page are drawn from DIBPL's Condensed Interim Financial Information for the period ended March 31, 2026 (unaudited, authorised for issue by the Board on April 29, 2026) and its audited Financial Statements for the year ended December 31, 2025 (KPMG Taseer Hadi & Co., unqualified opinion). Last verified: August 22, 2026. Q1 FY2026 figures are unaudited and subject to revision in DIB's full-year audit; treat DIBPL's own published financial statements as the source of truth for any figure used in a financial decision.

Good For

• Investors and analysts researching DIB Pakistan's balance sheet and capital position
• Corporate clients doing counterparty due diligence before a large deposit or facility
• Comparing DIB's financing mix (Corporate-heavy) against its retail product marketing
• Tracking asset quality and capital adequacy trends quarter to quarter

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For independent verification, see State Bank of Pakistan, SECP.