DB
Deutsche Bank AG
Is DB Halal?
German bank — universal banking including investment banking.
What You Should Know
Deutsche Bank is a global universal bank. Its Q1 2026 supplement reports net interest income at 48.48% of total net revenues, debt at 55.74% and liquidity at 42.12% of assets; lending, trading and derivatives are core activities.
⚠️ Concerns
- •Universal banking with riba
- •Derivatives and structured products
- •Investment banking and securities financing
Current quantitative Sharia screen
Based on Q1 2026 Financial Data Supplement figures for the period ended 2026-03-31; calculated 2026-07-14.
826,583 / 1,483,027
624,609 / 1,483,027
619,248 / 1,483,027
4,204 / 8,671
- Financial
- Fails
- Overall
- Fails
Debt is 55.74% of assets, liquidity is 42.12%, receivables plus cash are 41.71%, and net interest income is 48.48%; all examined limits are exceeded.
- Financial
- Fails
- Overall
- Fails
Debt, liquidity and receivables-plus-cash exceed the examined MSCI total-assets limits.
- Financial
- Fails
- Overall
- Fails
Debt and liquidity exceed the examined SAC ratios; this is a calculation against SAC ratios, not an official SAC classification.
- Financial
- Not calculated
- Overall
- Fails
Historical market-cap ratios are not stored; a different denominator cannot cure the failed conventional-banking activity.
Business-activity disclosure
Deutsche Bank is a global universal bank. Conventional deposits, lending, investment banking, trading and derivatives are core activities; reported net interest income was 48.48% of Q1 total net revenues.
Limitation: The supplement does not classify every advisory, trading, fee, subsidiary or contract by Sharia status; conventional universal banking and disclosed net interest independently establish the activity concern.
Purification
Purification is not calculated because the core conventional-banking activity fails; the 48.48% net-interest ratio is evidence of failure, not a donation amount that makes ownership compliant.
Inputs, assumptions and primary sources
- EUR millions from Deutsche Bank's consolidated 31 March 2026 financial data supplement.
- Interest-bearing funding includes deposits, central-bank/repos, other short-term borrowings, long-term debt and trust preferred securities.
- Identifiable securities include resale agreements, securities borrowed, trading assets, mandatory FVTPL and FVOCI assets; derivatives are excluded. Loans at amortised cost are the receivables/financing-assets proxy.
- Reported consolidated net interest income of EUR 4,204 million is used as the conservative non-compliant-income numerator against EUR 8,671 million total net revenues.
This is a reproducible financial screen, not a fatwa. A failed total-assets screen can coexist with a pass under a market-cap methodology. ZakatInvest keeps the qualitative assessment separate so numerical thresholds do not erase material context.
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