Journal Press India®

FOCUS: Journal of International Business
Vol 12 , Issue 2 , July - December 2025 | Pages: 89-107 | Research Paper

Operational Efficiency and Service Management Practices of Dubai Islamic Bank: A Driving Force in the Modern Economic Landscape of the UAE

 
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Author Details ( * ) denotes Corresponding author

1. * Sajeev Kumar B., Higher Secondary School Teacher, Department of General Education, Chinnamma Memorial Girls Higher Secondary School (CMGHSS), Trivandrum, Kerala, India (sajeevkumar23@gmail.com)
2. S. Priya, Assistant Professor & HOD, Department of Commerce, NSS College Nilamel (Affiliated to University of Kerala), Trivandrum, Kerala, India (drpriyajalesh@gmail.com)

Dubai Islamic Bank plays a vibrant role in UAE’s financial sector and its international economy. Secondary data from top Dubai Islamic banks is used in this study to analyses their impact on economic stability, financial inclusion, and service management practices by examining the various products offered from the Dubai Islamic Bank. This study examines financial records, industry reports, and regulatory papers to the operational and business performance of Dubai Islamic banks during the financial year 2024. On the basis of findings, the paper proposes strategic recommendation to enhance the operational efficiency and service management practices of Dubai Islamic Bank.

Keywords

Islamic banking; Dubai Islamic Bank; Financial stability; Risk management; Customer perception; UAE

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Websites

  • Dubai Islamic Bank (2023). Annual Financial Report 2024. Dubai Islamic Bank. Retrieved from https://www.dib.ae
  • Abu Dhabi Islamic Bank (2023). Financial Performance Report 2024. Abu Dhabi Islamic Bank. Retrieved from https://www.adib.ae
  • Central Bank of the UAE (2023). Islamic Banking Regulations & Market Overview Report. Central Bank of the UAE. Retrieved from https://www.centralbank.ae
  • Islamic Financial Services Board (2024). Islamic Financial Stability Report. Islamic Financial Services Board. Retrieved from https://www.ifsb.org
  • AAOIFI (2024). Shariah Governance Standards & Financial Reporting Guidelines. Accounting and Auditing Organization for Islamic Financial Institutions. Retrieved from https://www.aaoifi.com
  • Dubai Islamic Economy Development Centre (DIEDC) (2023). Islamic Banking Market Trends Report. Retrieved from https://www.iedcdubai.ae
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