Commercial Bank International Management Discussion and Analysis Report for the Period Ended March 31,2026

Commercial Bank International (CBI) reported a 14% year-on-year increase in pre-tax net profit to AED 52.1 million for Q1 2026, with post-tax net profit at AED 47.1 million.
Net Interest Income grew 7% year-on-year to AED 104 million, supported by a AED 72.8 million reduction in net impairment charges following the resolution of legacy issues.
Total assets reached AED 22.1 billion and customer deposits rose to AED 16.4 billion, both representing a 7% year-on-year increase, with the loan-to-deposit ratio improving to 83%.
The Bank maintained a capital adequacy ratio of 16.8%, which remains well above regulatory requirements.