Commercial Bank International

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	2.24B	1.74B	1.11B	2.52B	3.05B
Total Assets	21.95B	20.89B	18.97B	21.17B	20.77B
Investment Securities	2.99B	2.30B	2.72B	2.08B	1.66B
Trading Assets	366.95M	269.79M	256.33M	224.88M	164.78M
Gross Loans	14.93B	15.45B	14.07B	13.97B	12.90B
Net Loans	14.17B	14.42B	13.27B	13.32B	11.78B
Allowance for Loan Losses	-0.76B	-0.97B	-0.79B	-0.64B	-1.12B
Liabilities
Total Deposits	16.00B	15.61B	12.69B	12.28B	12.65B
Interest-Bearing Deposits	13.21B	12.95B	10.65B	10.40B	10.45B
Non-Interest-Bearing Deposits	2.78B	2.66B	2.04B	1.88B	2.20B
Total Debt	1.57B	1.39B	2.67B	3.97B	2.25B
Total Liabilities	18.61B	17.84B	16.10B	18.47B	18.16B
Equity & Ownership
Total Equity	3.33B	3.05B	2.87B	2.70B	2.61B
Shares Outstanding	1,737,383,050	1,737,383,050	1,737,383,050	1,737,383,050	1,737,383,050
Cash & Assets
Total Assets	21.95B	20.89B	18.97B	21.17B	20.77B
Cash & Equivalents	2.24B	1.74B	1.11B	2.52B	3.05B
Net Cash (Debt)	1.04B	0.62B	-1.31B	-1.22B	0.96B
Net Cash Per Share	0.60	0.35	-0.76	-0.70	0.55
Net Cash Growth	+68.7%	—	—	—	—
Other Receivables	165.77M	182.31M	—	—	4.64M
Restricted Cash	774.25M	510.14M	325.65M	219.58M	354.74M
Property, Plant & Equipment	94.56M	106.20M	94.46M	110.68M	70.74M
Other Intangible Assets	51.08M	34.26M	27.17M	28.60M	40.18M
Investments in Real Estate	6.89M	7.41M	39.10M	26.02M	38.82M
Other Current Assets	1.04B	1.29B	0.85B	2.40B	3.61B
Other Long-Term Assets	—	—	241.97M	210.92M	—
Long-Term Leases	—	—	—	23.94M	30.01M
Loans & Investments
Gross Loans	14.93B	15.45B	14.07B	13.97B	12.90B
Net Loans	14.17B	14.42B	13.27B	13.32B	11.78B
Allowance for Loan Losses	-0.76B	-0.97B	-0.79B	-0.64B	-1.12B
Investment Securities	2.99B	2.30B	2.72B	2.08B	1.66B
Trading Asset Securities	366.95M	269.79M	256.33M	224.88M	164.78M
Total Investments	3.36B	2.57B	2.98B	2.30B	1.82B
Other Adjustments to Gross Loans	-3.37M	-63.43M	-8.79M	-5.82M	-6.95M
Liabilities & Obligations
Total Liabilities	18.61B	17.84B	16.10B	18.47B	18.16B
Total Liabilities & Equity	21.95B	20.89B	18.97B	21.17B	20.77B
Accounts Payable	219.43M	146.14M	157.61M	—	—
Accrued Expenses	56.76M	52.05M	47.71M	43.67M	36.84M
Accrued Interest Payable	116.39M	184.11M	113.02M	88.17M	41.36M
Accrued Interest Receivable	46.37M	38.81M	38.54M	23.64M	10.18M
Current Income Taxes Payable	30.91M	20.80M	—	1.78M	1.18M
Other Current Liabilities	0.62B	0.44B	0.42B	2.08B	3.17B
Debt & Funding
Total Debt	1.57B	1.39B	2.67B	3.97B	2.25B
Long-Term Debt	0.84B	1.01B	2.03B	3.24B	1.82B
Short-Term Borrowings	726.18M	386.33M	639.58M	706.41M	399.23M
Total Deposits	16.00B	15.61B	12.69B	12.28B	12.65B
Interest Bearing Deposits	13.21B	12.95B	10.65B	10.40B	10.45B
Non-Interest Bearing Deposits	2.78B	2.66B	2.04B	1.88B	2.20B
Equity & Book Value
Shareholders' Equity	3.33B	3.05B	2.87B	2.70B	2.61B
Total Common Equity	3.17B	2.93B	2.75B	2.60B	2.54B
Common Stock	1.74B	1.74B	1.74B	1.74B	1.74B
Retained Earnings	1.00B	0.78B	0.62B	0.46B	0.43B
Comprehensive Income & Other	427.98M	410.77M	395.20M	394.32M	381.49M
Minority Interest	166.89M	120.73M	120.06M	103.34M	70.10M
Book Value Per Share	1.56	1.42	1.32	1.23	1.20
Tangible Book Value	3.12B	2.89B	2.73B	2.57B	2.50B
Tangible Book Value Per Share	1.53	1.40	1.30	1.21	1.18
Filing Date Shares Outstanding	1.74B	1.74B	1.74B	1.74B	1.74B
Total Common Shares Outstanding	1.74B	1.74B	1.74B	1.74B	1.74B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	2.24B	1.74B	1.11B	2.52B	3.05B
Total Assets	21.95B	20.89B	18.97B	21.17B	20.77B
Investment Securities	2.99B	2.30B	2.72B	2.08B	1.66B
Trading Assets	366.95M	269.79M	256.33M	224.88M	164.78M
Gross Loans	14.93B	15.45B	14.07B	13.97B	12.90B
Net Loans	14.17B	14.42B	13.27B	13.32B	11.78B
Allowance for Loan Losses	-0.76B	-0.97B	-0.79B	-0.64B	-1.12B
Liabilities
Total Deposits	16.00B	15.61B	12.69B	12.28B	12.65B
Interest-Bearing Deposits	13.21B	12.95B	10.65B	10.40B	10.45B
Non-Interest-Bearing Deposits	2.78B	2.66B	2.04B	1.88B	2.20B
Total Debt	1.57B	1.39B	2.67B	3.97B	2.25B
Total Liabilities	18.61B	17.84B	16.10B	18.47B	18.16B
Equity & Ownership
Total Equity	3.33B	3.05B	2.87B	2.70B	2.61B
Shares Outstanding	1,737,383,050	1,737,383,050	1,737,383,050	1,737,383,050	1,737,383,050
Cash & Assets
Total Assets	21.95B	20.89B	18.97B	21.17B	20.77B
Cash & Equivalents	2.24B	1.74B	1.11B	2.52B	3.05B
Net Cash (Debt)	1.04B	0.62B	-1.31B	-1.22B	0.96B
Net Cash Per Share	0.60	0.35	-0.76	-0.70	0.55
Net Cash Growth	+68.7%	—	—	—	—
Other Receivables	165.77M	182.31M	—	—	4.64M
Restricted Cash	774.25M	510.14M	325.65M	219.58M	354.74M
Property, Plant & Equipment	94.56M	106.20M	94.46M	110.68M	70.74M
Other Intangible Assets	51.08M	34.26M	27.17M	28.60M	40.18M
Investments in Real Estate	6.89M	7.41M	39.10M	26.02M	38.82M
Other Current Assets	1.04B	1.29B	0.85B	2.40B	3.61B
Other Long-Term Assets	—	—	241.97M	210.92M	—
Long-Term Leases	—	—	—	23.94M	30.01M
Loans & Investments
Gross Loans	14.93B	15.45B	14.07B	13.97B	12.90B
Net Loans	14.17B	14.42B	13.27B	13.32B	11.78B
Allowance for Loan Losses	-0.76B	-0.97B	-0.79B	-0.64B	-1.12B
Investment Securities	2.99B	2.30B	2.72B	2.08B	1.66B
Trading Asset Securities	366.95M	269.79M	256.33M	224.88M	164.78M
Total Investments	3.36B	2.57B	2.98B	2.30B	1.82B
Other Adjustments to Gross Loans	-3.37M	-63.43M	-8.79M	-5.82M	-6.95M
Liabilities & Obligations
Total Liabilities	18.61B	17.84B	16.10B	18.47B	18.16B
Total Liabilities & Equity	21.95B	20.89B	18.97B	21.17B	20.77B
Accounts Payable	219.43M	146.14M	157.61M	—	—
Accrued Expenses	56.76M	52.05M	47.71M	43.67M	36.84M
Accrued Interest Payable	116.39M	184.11M	113.02M	88.17M	41.36M
Accrued Interest Receivable	46.37M	38.81M	38.54M	23.64M	10.18M
Current Income Taxes Payable	30.91M	20.80M	—	1.78M	1.18M
Other Current Liabilities	0.62B	0.44B	0.42B	2.08B	3.17B
Debt & Funding
Total Debt	1.57B	1.39B	2.67B	3.97B	2.25B
Long-Term Debt	0.84B	1.01B	2.03B	3.24B	1.82B
Short-Term Borrowings	726.18M	386.33M	639.58M	706.41M	399.23M
Total Deposits	16.00B	15.61B	12.69B	12.28B	12.65B
Interest Bearing Deposits	13.21B	12.95B	10.65B	10.40B	10.45B
Non-Interest Bearing Deposits	2.78B	2.66B	2.04B	1.88B	2.20B
Equity & Book Value
Shareholders' Equity	3.33B	3.05B	2.87B	2.70B	2.61B
Total Common Equity	3.17B	2.93B	2.75B	2.60B	2.54B
Common Stock	1.74B	1.74B	1.74B	1.74B	1.74B
Retained Earnings	1.00B	0.78B	0.62B	0.46B	0.43B
Comprehensive Income & Other	427.98M	410.77M	395.20M	394.32M	381.49M
Minority Interest	166.89M	120.73M	120.06M	103.34M	70.10M
Book Value Per Share	1.56	1.42	1.32	1.23	1.20
Tangible Book Value	3.12B	2.89B	2.73B	2.57B	2.50B
Tangible Book Value Per Share	1.53	1.40	1.30	1.21	1.18
Filing Date Shares Outstanding	1.74B	1.74B	1.74B	1.74B	1.74B
Total Common Shares Outstanding	1.74B	1.74B	1.74B	1.74B	1.74B