Is Dubai Islamic Bank (DIB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 70.5% | |
| Net Margin | 58.9% | |
| Return on Equity (ROE) | 14.7% | |
| Return on Assets (ROA) | 2.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $13.0B |
| Free Cash Flow | $12.6B |
| Total Debt | $25.6B |
| Total Assets | $415.9B |
Price & Trading
| Last Close | AED 7.30 |
| 50-Day MA | AED 8.70 |
| 200-Day MA | AED 9.28 |
| Avg Volume | 6.9M |
| Beta | -0.0 |
|
52-Week Range
AED 6.55
| |
About Dubai Islamic Bank (DIB)
Dubai Islamic Bank P.J.S.C., together with its subsidiaries, engages in the corporate, retail, and investment banking activities in the United Arab Emirates and internationally. It operates through Consumer Banking, Corporate Banking, Treasury, and Others segments. The Consumer Banking segment accepts deposits; and offers consumer murabahas, salam, home finance, ijarah, credit cards, and fund transfer facilities, as well as banking and wealth management services. The Corporate Banking segment provides current accounts, deposits, cash management, and risk management products, as well as financing and other credit facilities to corporate and institutional customers. The Treasury segment offers treasury services. It also offers brokerage, Islamic finance advisory, and labour services; real estate development services; printing and investment services; and business accounts, foreign exchange, trade, and debit card services, as well as online and treasury and institutional banking services. Dubai Islamic Bank P.J.S.C. was incorporated in 1975 and is headquartered in Dubai, the United Arab Emirates.
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Frequently Asked Questions
Is Dubai Islamic Bank (DIB) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Dubai Islamic Bank is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Dubai Islamic Bank's debt ratio?
Dubai Islamic Bank's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Dubai Islamic Bank's key financial metrics?
Dubai Islamic Bank has a market capitalization of $54.5B, trailing P/E ratio of 7.7, and revenue of $12.6B. Return on equity stands at 14.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.