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
Operating Summary
Revenue	722.77M	600.46M	489.89M	476.12M	432.63M
Interest Income	0.99B	1.08B	1.04B	0.70B	0.56B
Interest Expense	600.70M	738.97M	680.35M	302.55M	186.41M
Pretax Income	311.07M	222.65M	170.64M	150.47M	130.56M
Income Tax	16.29M	20.80M	—	—	—
Net Income	221.11M	173.66M	153.92M	117.24M	121.78M
Net Interest Income	389.62M	344.00M	355.24M	397.80M	376.08M
Non-Interest Income	401.72M	359.24M	188.30M	205.01M	254.57M
Non-Interest Expense	411.70M	378.62M	325.82M	327.94M	300.81M
Loan Loss Provisions	68.57M	102.77M	53.66M	126.69M	198.02M
EPS (Basic)	0.13	0.10	0.09	0.07	0.07
EPS (Diluted)	0.13	0.10	0.09	0.07	0.07
Margins & Efficiency
Net Margin %	+30.6%	+28.9%	+31.4%	+24.6%	+28.1%
Revenue & Income
Revenue	722.77M	600.46M	489.89M	476.12M	432.63M
Revenue	722.77M	600.46M	489.89M	476.12M	432.63M
Revenue Growth (YoY)	+20.4%	+22.6%	+2.9%	+10.1%	+27.1%
Revenues Before Loan Losses	791.34M	703.23M	543.55M	602.81M	630.65M
Interest Income on Loans	0.99B	1.08B	1.04B	0.70B	0.56B
Net Interest Income	389.62M	344.00M	355.24M	397.80M	376.08M
Net Interest Income Growth (YoY)	+13.3%	-3.2%	-10.7%	+5.8%	-9.9%
Non-Interest Income Growth (YoY)	+11.8%	+90.8%	-8.1%	-19.5%	-21.1%
Total Non-Interest Income	401.72M	359.24M	188.30M	205.01M	254.57M
Other Non-Interest Income	200.71M	149.10M	148.39M	120.26M	146.80M
Gain (Loss) on Sale of Assets	113.28M	190.20M	7.87M	12.28M	30.02M
Gain (Loss) on Sale of Equity Investments	-7.11M	-0.39M	—	—	—
Gain (Loss) on Sale of Investments	94.84M	20.33M	32.04M	72.47M	77.76M
Expenses & Provisions
Selling, General & Administrative	83.32M	62.83M	53.34M	43.62M	47.61M
Interest Paid on Deposits	600.70M	738.97M	680.35M	302.55M	186.41M
Total Non-Interest Expense	411.70M	378.62M	325.82M	327.94M	300.81M
Other Non-Interest Expense	-2.06M	0.95M	-23.28M	10.67M	7.17M
Provision for Loan Losses	68.57M	102.77M	53.66M	126.69M	198.02M
Salaries and Employee Benefits	270.99M	254.23M	237.35M	213.77M	177.30M
Occupancy Expenses	59.44M	60.61M	58.40M	46.21M	50.44M
Asset Writedown	—	0.81M	6.57M	2.29M	-1.27M
Amortization of Goodwill & Intangibles	—	—	—	13.67M	18.29M
Profitability & Returns
EBT Excluding Unusual Items	311.07M	221.85M	164.07M	148.18M	131.82M
Pretax Income	311.07M	222.65M	170.64M	150.47M	130.56M
Profit Margin	+30.6%	+28.9%	+31.4%	+24.6%	+28.1%
Net Income	248.63M	201.18M	153.92M	117.24M	121.78M
Net Income to Common	221.11M	173.66M	153.92M	117.24M	121.78M
Net Income Growth	+23.6%	+30.7%	+31.3%	-3.7%	—
Earnings From Continuing Ops.	294.79M	201.86M	170.64M	150.47M	130.56M
Minority Interest in Earnings	-46.15M	-0.68M	-16.72M	-33.23M	-8.78M
Income Tax Expense	16.29M	20.80M	—	—	—
Effective Tax Rate	+5.2%	+9.3%	—	—	—
Per Share & Capital
EPS (Basic)	0.13	0.10	0.09	0.07	0.07
EPS (Diluted)	0.13	0.10	0.09	0.07	0.07
EPS Growth	+27.3%	+12.8%	+31.3%	-3.7%	—
Shares Outstanding (Basic)	1.74B	1.74B	1.74B	1.74B	1.74B
Shares Outstanding (Diluted)	1.74B	1.74B	1.74B	1.74B	1.74B
Free Cash Flow	-0.48B	-1.26B	0.02B	-1.02B	-1.26B
Free Cash Flow Margin	-66.3%	-210.4%	+4.9%	-214.1%	-291.4%
Free Cash Flow Per Share	-0.28	-0.73	0.01	-0.59	-0.73
Payout Ratio	+11.1%	+13.7%	—	—	—
Preferred Dividends & Other Adjustments	27.52M	27.52M	—	—	—

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
Operating Summary
Revenue	722.77M	600.46M	489.89M	476.12M	432.63M
Interest Income	0.99B	1.08B	1.04B	0.70B	0.56B
Interest Expense	600.70M	738.97M	680.35M	302.55M	186.41M
Pretax Income	311.07M	222.65M	170.64M	150.47M	130.56M
Income Tax	16.29M	20.80M	—	—	—
Net Income	221.11M	173.66M	153.92M	117.24M	121.78M
Net Interest Income	389.62M	344.00M	355.24M	397.80M	376.08M
Non-Interest Income	401.72M	359.24M	188.30M	205.01M	254.57M
Non-Interest Expense	411.70M	378.62M	325.82M	327.94M	300.81M
Loan Loss Provisions	68.57M	102.77M	53.66M	126.69M	198.02M
EPS (Basic)	0.13	0.10	0.09	0.07	0.07
EPS (Diluted)	0.13	0.10	0.09	0.07	0.07
Margins & Efficiency
Net Margin %	+30.6%	+28.9%	+31.4%	+24.6%	+28.1%
Revenue & Income
Revenue	722.77M	600.46M	489.89M	476.12M	432.63M
Revenue	722.77M	600.46M	489.89M	476.12M	432.63M
Revenue Growth (YoY)	+20.4%	+22.6%	+2.9%	+10.1%	+27.1%
Revenues Before Loan Losses	791.34M	703.23M	543.55M	602.81M	630.65M
Interest Income on Loans	0.99B	1.08B	1.04B	0.70B	0.56B
Net Interest Income	389.62M	344.00M	355.24M	397.80M	376.08M
Net Interest Income Growth (YoY)	+13.3%	-3.2%	-10.7%	+5.8%	-9.9%
Non-Interest Income Growth (YoY)	+11.8%	+90.8%	-8.1%	-19.5%	-21.1%
Total Non-Interest Income	401.72M	359.24M	188.30M	205.01M	254.57M
Other Non-Interest Income	200.71M	149.10M	148.39M	120.26M	146.80M
Gain (Loss) on Sale of Assets	113.28M	190.20M	7.87M	12.28M	30.02M
Gain (Loss) on Sale of Equity Investments	-7.11M	-0.39M	—	—	—
Gain (Loss) on Sale of Investments	94.84M	20.33M	32.04M	72.47M	77.76M
Expenses & Provisions
Selling, General & Administrative	83.32M	62.83M	53.34M	43.62M	47.61M
Interest Paid on Deposits	600.70M	738.97M	680.35M	302.55M	186.41M
Total Non-Interest Expense	411.70M	378.62M	325.82M	327.94M	300.81M
Other Non-Interest Expense	-2.06M	0.95M	-23.28M	10.67M	7.17M
Provision for Loan Losses	68.57M	102.77M	53.66M	126.69M	198.02M
Salaries and Employee Benefits	270.99M	254.23M	237.35M	213.77M	177.30M
Occupancy Expenses	59.44M	60.61M	58.40M	46.21M	50.44M
Asset Writedown	—	0.81M	6.57M	2.29M	-1.27M
Amortization of Goodwill & Intangibles	—	—	—	13.67M	18.29M
Profitability & Returns
EBT Excluding Unusual Items	311.07M	221.85M	164.07M	148.18M	131.82M
Pretax Income	311.07M	222.65M	170.64M	150.47M	130.56M
Profit Margin	+30.6%	+28.9%	+31.4%	+24.6%	+28.1%
Net Income	248.63M	201.18M	153.92M	117.24M	121.78M
Net Income to Common	221.11M	173.66M	153.92M	117.24M	121.78M
Net Income Growth	+23.6%	+30.7%	+31.3%	-3.7%	—
Earnings From Continuing Ops.	294.79M	201.86M	170.64M	150.47M	130.56M
Minority Interest in Earnings	-46.15M	-0.68M	-16.72M	-33.23M	-8.78M
Income Tax Expense	16.29M	20.80M	—	—	—
Effective Tax Rate	+5.2%	+9.3%	—	—	—
Per Share & Capital
EPS (Basic)	0.13	0.10	0.09	0.07	0.07
EPS (Diluted)	0.13	0.10	0.09	0.07	0.07
EPS Growth	+27.3%	+12.8%	+31.3%	-3.7%	—
Shares Outstanding (Basic)	1.74B	1.74B	1.74B	1.74B	1.74B
Shares Outstanding (Diluted)	1.74B	1.74B	1.74B	1.74B	1.74B
Free Cash Flow	-0.48B	-1.26B	0.02B	-1.02B	-1.26B
Free Cash Flow Margin	-66.3%	-210.4%	+4.9%	-214.1%	-291.4%
Free Cash Flow Per Share	-0.28	-0.73	0.01	-0.59	-0.73
Payout Ratio	+11.1%	+13.7%	—	—	—
Preferred Dividends & Other Adjustments	27.52M	27.52M	—	—	—