- Dubai Islamic Bank (DIB) is the largest Islamic bank in the UAE and among the top 4 banks in the country, with over 600,000 retail customers and a network of 49 branches. - DIB has experienced strong growth in profits, assets, deposits, and financing in recent years while maintaining sound financial metrics such as returns on equity and assets that are competitive with major banks globally. - DIB trades actively on the Dubai Financial Market and has a large market capitalization, paying steady dividends to shareholders.

1. Dubai Islamic Bank Investor Presentation May 2008

2. Contents Background About DIB DIB Financials Peer Group Stock Information

5. Contents Background About DIB DIB Financials Peer Group Stock Information

6. Dubai Islamic Bank The World’s First Islamic Bank The largest Islamic Bank in UAE Amongst the top 4 Banks in the country Government ownership 34% Part of the Big Five Islamic Banks in the world Globally recognized Leader and Innovator in Islamic Banking Strong Domestic Franchise Nearly 600,000 retail customers 49 branches / nearly 300 ATMs, CDM

9. Dubai Islamic Bank – Strategic Agenda To be amongst the Top 3 Banks in UAE Growth drivers to be Retail, Corporate Banking & Investment Banking Leveraging on the success in Dubai to capitalize on opportunities in other Emirates Evolving from a pure banking entity to a more comprehensive Financial Services Group Diversifying DIB’s revenue streams through penetration and presence in new markets in the MENA region Continually innovate using the latest technology and product expertise leading to ease and convenience Focus on Value Growth: cross selling, new Islamic products embed cost awareness

12. Contents Background About DIB DIB Financials Peer Group Stock Information

16. Strong deposit base to support growth plans Customer Deposits Composition 2007 2001

18. Contents About Dubai, UAE About DIB DIB Financials Peer Group Stock Information

23. Contents About Dubai, UAE About DIB DIB Financials Peer Group Stock Information

24. Key Metrics Bloomberg ID: DIB UH Equity Key Indicators: USD US$ 2.40 US$ 3.40 Current US$ 2.50 Face value for 2003, 2004 equated to $0.27/ share Source: DFM , DIB Published accounts