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Is Dubai Islamic Bank P.J.S.C. Sharia-compliant?

❓ Can't confirm — we don't guess

Our automated screen of available data — not a fatwa or recommendation; confirm with your own scholar. Methodology

DIB.AE · Compliance score: 20/100 · AAOIFI 21
Needs review — incomplete data
  • debt ratio is 49%, above the 30% limit.
  • cash ratio is 150%, above the 30% limit.
  • This is a Sharia-structured financial institution (e.g. an Islamic bank or takaful insurer). AAOIFI market-cap debt/cash ratios don't meaningfully apply to a financial institution's balance sheet, so we can't confirm a ratio-based verdict here — specialist scholar screening is needed.

AAOIFI financial ratios

Debt vs market cap 49.1%
limit 30%
Cash + securities vs market cap 150.1%
limit 30%

In plain English

  • ❌ Debt vs market cap is 49.1% — over the 30% limit
  • ❌ Cash + securities vs market cap is 150.1% — over the 30% limit

✓ = comfortably under the AAOIFI limit · ⚠️ = a financial ratio is approaching its AAOIFI limit (early warning) · ❌ = over the AAOIFI limit

⏱️ This is a point-in-time verdict
🗓️ Checked
Compliance can change over time as a company's debt and income change. Re-check periodically.

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