CBD

Commercial Bank of Dubai(PSC)

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	2.61B	3.65B	2.99B	2.91B	4.14B
Total Assets	160.31B	163.41B	150.61B	141.13B	140.18B
Investment Securities	21.93B	23.81B	14.11B	17.72B	16.13B
Trading Assets	0.52B	0.53B	0.60B	0.71B	0.77B
Gross Loans	108.43B	113.31B	108.60B	105.19B	101.02B
Net Loans	104.09B	109.09B	103.73B	99.99B	95.77B
Allowance for Loan Losses	-4.34B	-4.22B	-4.87B	-5.20B	-5.25B
Liabilities
Total Deposits	111.53B	112.15B	107.05B	99.62B	97.61B
Interest-Bearing Deposits	72.21B	72.30B	56.42B	52.41B	63.64B
Non-Interest-Bearing Deposits	39.33B	39.85B	50.62B	47.22B	33.97B
Total Debt	17.91B	20.78B	16.93B	14.63B	14.93B
Total Liabilities	140.89B	144.84B	132.96B	124.32B	122.75B
Equity & Ownership
Total Equity	19.42B	18.57B	17.64B	16.81B	17.42B
Shares Outstanding	2,985,191,949	2,985,191,949	2,985,191,949	2,985,191,949	2,985,191,949
Cash & Assets
Total Assets	160.31B	163.41B	150.61B	141.13B	140.18B
Cash & Equivalents	2.61B	3.65B	2.99B	2.91B	4.14B
Net Cash (Debt)	-13.18B	-16.60B	-13.34B	-11.01B	-8.43B
Net Cash Per Share	-4.41	-5.56	-4.47	-3.69	-2.82
Net Cash Growth	—	—	—	—	—
Other Receivables	0.69B	0.83B	0.65B	0.75B	0.57B
Restricted Cash	19.81B	14.86B	20.27B	10.36B	13.64B
Property, Plant & Equipment	940.63M	770.01M	695.28M	619.46M	589.77M
Investments in Real Estate	173.70M	241.12M	241.12M	241.12M	241.12M
Other Current Assets	8.02B	8.08B	5.86B	6.33B	6.93B
Loans & Investments
Gross Loans	108.43B	113.31B	108.60B	105.19B	101.02B
Net Loans	104.09B	109.09B	103.73B	99.99B	95.77B
Allowance for Loan Losses	-4.34B	-4.22B	-4.87B	-5.20B	-5.25B
Investment Securities	21.93B	23.81B	14.11B	17.72B	16.13B
Trading Asset Securities	0.52B	0.53B	0.60B	0.71B	0.77B
Total Investments	22.45B	24.34B	14.71B	18.43B	16.89B
Liabilities & Obligations
Total Liabilities	140.89B	144.84B	132.96B	124.32B	122.75B
Total Liabilities & Equity	160.31B	163.41B	150.61B	141.13B	140.18B
Accounts Payable	0.34B	1.07B	0.55B	0.92B	0.71B
Accrued Expenses	251.09M	220.18M	163.86M	144.40M	218.24M
Accrued Interest Payable	1.06B	1.01B	0.71B	1.17B	1.08B
Accrued Interest Receivable	879.65M	870.05M	790.60M	806.27M	711.95M
Current Income Taxes Payable	343.69M	252.81M	480.63M	377.19M	295.80M
Long-Term Unearned Revenue	—	83.10M	15.72M	54.24M	—
Other Current Liabilities	9.36B	8.94B	6.77B	7.11B	7.82B
Other Long-Term Liabilities	—	0.26B	0.26B	0.24B	—
Pension & Post-Retirement Benefits	44.89M	42.04M	41.89M	46.49M	44.99M
Long-Term Deferred Tax Liabilities	—	21.78M	—	—	—
Debt & Funding
Total Debt	17.91B	20.78B	16.93B	14.63B	14.93B
Current Portion of Long-Term Debt	275.48M	275.50M	—	—	—
Long-Term Debt	14.39B	20.18B	16.51B	14.22B	12.43B
Short-Term Borrowings	3.25B	0.33B	0.42B	0.41B	2.50B
Total Deposits	111.53B	112.15B	107.05B	99.62B	97.61B
Interest Bearing Deposits	72.21B	72.30B	56.42B	52.41B	63.64B
Non-Interest Bearing Deposits	39.33B	39.85B	50.62B	47.22B	33.97B
Equity & Book Value
Shareholders' Equity	19.42B	18.57B	17.64B	16.81B	17.42B
Common Stock	2.99B	2.99B	2.99B	2.99B	2.99B
Retained Earnings	14.49B	13.65B	12.76B	11.96B	12.65B
Comprehensive Income & Other	1.94B	1.94B	1.90B	1.87B	1.79B
Book Value Per Share	5.77	5.48	5.17	4.89	5.10
Tangible Book Value	19.42B	18.57B	17.64B	16.81B	17.42B
Tangible Book Value Per Share	5.77	5.48	5.17	4.89	5.10
Filing Date Shares Outstanding	2.99B	2.99B	2.99B	2.99B	2.99B
Total Common Shares Outstanding	2.99B	2.99B	2.99B	2.99B	2.99B
Supplemental
Other Real Estate Owned & Foreclosed	0.65B	0.67B	0.69B	0.69B	0.69B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	2.61B	3.65B	2.99B	2.91B	4.14B
Total Assets	160.31B	163.41B	150.61B	141.13B	140.18B
Investment Securities	21.93B	23.81B	14.11B	17.72B	16.13B
Trading Assets	0.52B	0.53B	0.60B	0.71B	0.77B
Gross Loans	108.43B	113.31B	108.60B	105.19B	101.02B
Net Loans	104.09B	109.09B	103.73B	99.99B	95.77B
Allowance for Loan Losses	-4.34B	-4.22B	-4.87B	-5.20B	-5.25B
Liabilities
Total Deposits	111.53B	112.15B	107.05B	99.62B	97.61B
Interest-Bearing Deposits	72.21B	72.30B	56.42B	52.41B	63.64B
Non-Interest-Bearing Deposits	39.33B	39.85B	50.62B	47.22B	33.97B
Total Debt	17.91B	20.78B	16.93B	14.63B	14.93B
Total Liabilities	140.89B	144.84B	132.96B	124.32B	122.75B
Equity & Ownership
Total Equity	19.42B	18.57B	17.64B	16.81B	17.42B
Shares Outstanding	2,985,191,949	2,985,191,949	2,985,191,949	2,985,191,949	2,985,191,949
Cash & Assets
Total Assets	160.31B	163.41B	150.61B	141.13B	140.18B
Cash & Equivalents	2.61B	3.65B	2.99B	2.91B	4.14B
Net Cash (Debt)	-13.18B	-16.60B	-13.34B	-11.01B	-8.43B
Net Cash Per Share	-4.41	-5.56	-4.47	-3.69	-2.82
Net Cash Growth	—	—	—	—	—
Other Receivables	0.69B	0.83B	0.65B	0.75B	0.57B
Restricted Cash	19.81B	14.86B	20.27B	10.36B	13.64B
Property, Plant & Equipment	940.63M	770.01M	695.28M	619.46M	589.77M
Investments in Real Estate	173.70M	241.12M	241.12M	241.12M	241.12M
Other Current Assets	8.02B	8.08B	5.86B	6.33B	6.93B
Loans & Investments
Gross Loans	108.43B	113.31B	108.60B	105.19B	101.02B
Net Loans	104.09B	109.09B	103.73B	99.99B	95.77B
Allowance for Loan Losses	-4.34B	-4.22B	-4.87B	-5.20B	-5.25B
Investment Securities	21.93B	23.81B	14.11B	17.72B	16.13B
Trading Asset Securities	0.52B	0.53B	0.60B	0.71B	0.77B
Total Investments	22.45B	24.34B	14.71B	18.43B	16.89B
Liabilities & Obligations
Total Liabilities	140.89B	144.84B	132.96B	124.32B	122.75B
Total Liabilities & Equity	160.31B	163.41B	150.61B	141.13B	140.18B
Accounts Payable	0.34B	1.07B	0.55B	0.92B	0.71B
Accrued Expenses	251.09M	220.18M	163.86M	144.40M	218.24M
Accrued Interest Payable	1.06B	1.01B	0.71B	1.17B	1.08B
Accrued Interest Receivable	879.65M	870.05M	790.60M	806.27M	711.95M
Current Income Taxes Payable	343.69M	252.81M	480.63M	377.19M	295.80M
Long-Term Unearned Revenue	—	83.10M	15.72M	54.24M	—
Other Current Liabilities	9.36B	8.94B	6.77B	7.11B	7.82B
Other Long-Term Liabilities	—	0.26B	0.26B	0.24B	—
Pension & Post-Retirement Benefits	44.89M	42.04M	41.89M	46.49M	44.99M
Long-Term Deferred Tax Liabilities	—	21.78M	—	—	—
Debt & Funding
Total Debt	17.91B	20.78B	16.93B	14.63B	14.93B
Current Portion of Long-Term Debt	275.48M	275.50M	—	—	—
Long-Term Debt	14.39B	20.18B	16.51B	14.22B	12.43B
Short-Term Borrowings	3.25B	0.33B	0.42B	0.41B	2.50B
Total Deposits	111.53B	112.15B	107.05B	99.62B	97.61B
Interest Bearing Deposits	72.21B	72.30B	56.42B	52.41B	63.64B
Non-Interest Bearing Deposits	39.33B	39.85B	50.62B	47.22B	33.97B
Equity & Book Value
Shareholders' Equity	19.42B	18.57B	17.64B	16.81B	17.42B
Common Stock	2.99B	2.99B	2.99B	2.99B	2.99B
Retained Earnings	14.49B	13.65B	12.76B	11.96B	12.65B
Comprehensive Income & Other	1.94B	1.94B	1.90B	1.87B	1.79B
Book Value Per Share	5.77	5.48	5.17	4.89	5.10
Tangible Book Value	19.42B	18.57B	17.64B	16.81B	17.42B
Tangible Book Value Per Share	5.77	5.48	5.17	4.89	5.10
Filing Date Shares Outstanding	2.99B	2.99B	2.99B	2.99B	2.99B
Total Common Shares Outstanding	2.99B	2.99B	2.99B	2.99B	2.99B
Supplemental
Other Real Estate Owned & Foreclosed	0.65B	0.67B	0.69B	0.69B	0.69B