CBD posts record profit, loans cross Dh100 billion for first time

Bank posted net profit before tax of Dh2.83 billion, up 15.6% from same period last year

Last updated: October 22, 2025 | 20:24

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CBD posts record profit, loans cross Dh100 billion for first time

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Dubai: Commercial Bank of Dubai (CBD) reported record results for the first nine months of 2025, achieving its 21st consecutive quarter of profit growth and crossing the Dh100 billion mark in net loans for the first time in its history.

The bank posted a net profit before tax of Dh2.83 billion, up 15.6% from the same period last year, while net profit after tax reached Dh2.58 billion. Return on equity stood at 22.3%, among the highest in the UAE banking sector.

Total assets rose to Dh163.4 billion, up 16.6% from December 2024, while customer deposits climbed 14.9% to Dh112.1 billion. Net loans increased 13.1% to Dh105.2 billion, supported by robust business activity and government investment.

Also Read: ADIB net profit climbs 16% to Dh6.1 billion as record growth continues

CBD’s non-performing loan ratio improved to 3.5%, the lowest on record, with a cost of risk of 0.49%, reflecting strong asset quality.

Chief Executive Officer Dr. Bernd van Linder said the record results reflect the bank’s strategic consistency and customer focus: “Delivering a record net profit result with net loans exceeding Dh100 billion are significant milestones for CBD. Our performance despite global headwinds demonstrates the strength of our strategy and our commitment to customers.”

Operating income for the period reached Dh4.4 billion, driven by an 8.4% rise in net interest income, while operating expenses stood at Dh1.16 billion due to ongoing investment in digital transformation. The bank maintained a cost-to-income ratio of 26.4%, placing it in the top quartile among UAE peers.

Also Read: Dubai Islamic Bank posts 16% spike in 2024 net profit

CBD’s capital adequacy ratio remained strong at 15.84%, comfortably above UAE Central Bank requirements. The bank also reported a Tier 1 ratio of 14.7% and a Common Equity Tier 1 ratio of 12.9%.

CBD continues to align with national priorities through participation in initiatives such as the Central Bank’s Digital Currency Project, the Financial Infrastructure Transformation Program, and Etihad Credit Insurance’s Xport Xponential programme.

With more than five decades of operations, CBD remains one of the UAE’s leading financial institutions, combining solid profitability with innovation and a digital-first approach.

Justin VargheseYour Money Editor

Justin is a personal finance author and seasoned business journalist with over a decade of experience. He makes it his mission to break down complex financial topics and make them clear, relatable, and relevant—helping everyday readers navigate today’s economy with confidence. Before returning to his Middle Eastern roots, where he was born and raised, Justin worked as a Business Correspondent at Reuters, reporting on equities and economic trends across both the Middle East and Asia-Pacific regions.