CBD

Commercial Bank of Dubai(PSC)

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Financials

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
Operations
Operating Cash Flow	-4.09B	-7.42B	-6.57B	4.48B	-9.50B
Free Cash Flow	-4.46B	-7.64B	-6.69B	4.40B	-9.55B
Capital Expenditures	-372.83M	-221.23M	-122.83M	-77.48M	-53.49M
Investing & Financing
Investing Cash Flow	-5.47B	0.75B	-6.02B	-0.52B	-3.91B
Financing Cash Flow	14.21B	9.03B	10.01B	-3.06B	13.10B
Dividends Paid	-1.65B	-1.46B	-0.86B	-0.86B	-0.69B
Operating Activities
Operating Cash Flow	-4.09B	-7.42B	-6.57B	4.48B	-9.50B
Net Income	3.50B	3.03B	2.65B	1.83B	1.45B
Change in Other Net Operating Assets	-8.00B	-11.45B	-10.28B	1.48B	-11.86B
Net Increase (Decrease) in Deposit Accounts	13.79B	9.27B	7.21B	-1.65B	12.97B
Other Operating Activities	-2.10M	368.49M	34.81M	43.62M	8.54M
Provision for Credit Losses	0.70B	0.88B	1.00B	1.03B	0.90B
Depreciation & Amortization	94.61M	61.01M	49.41M	35.77M	29.65M
Other Amortization	—	0.62M	0.97M	0.97M	1.03M
Cash Interest Paid	3.52B	3.68B	2.58B	0.83B	0.77B
Cash Income Tax Paid	296.01M	0.19M	—	—	—
Loss (Gain) on Equity Investments	—	—	—	-8.58M	-11.53M
Total Asset Writedown	-4.51M	34.61M	147.72M	56.16M	40.87M
Investing Activities
Investing Cash Flow	-5.47B	0.75B	-6.02B	-0.52B	-3.91B
Capital Expenditures	-372.83M	-221.23M	-122.83M	-77.48M	-53.49M
Investment in Securities	-5.13B	0.96B	-5.91B	-0.45B	-3.86B
Other Investing Activities	23.28M	16.41M	16.41M	6.26M	2.93M
Sale of Property, Plant and Equipment	—	1.40M	0.44M	2.53M	4.47M
Gain (Loss) on Sale of Assets	—	894.00K	-113.00K	-8.00K	38.00K
Gain (Loss) on Sale of Investments	-373.22M	-338.07M	-176.82M	18.91M	-50.89M
Financing Activities
Financing Cash Flow	14.21B	9.03B	10.01B	-3.06B	13.10B
Common Dividends Paid	-1.65B	-1.46B	-0.86B	-0.86B	-0.69B
Long-Term Debt Issued	2.06B	1.21B	3.67B	—	0.82B
Long-Term Debt Repaid	—	—	—	-551.44M	—
Net Debt Issued (Repaid)	2.06B	1.21B	3.67B	-0.55B	0.82B
Other Financing Activities	—	—	—	—	-1.54M
Free Cash Flow & Returns
Free Cash Flow	-4.46B	-7.64B	-6.69B	4.40B	-9.55B
Free Cash Flow Margin	-82.7%	-161.6%	-172.6%	+156.1%	-405.1%
Free Cash Flow Per Share	-1.50	-2.56	-2.24	1.48	-3.20
Net Cash Flow	4.64B	2.36B	-2.57B	0.90B	-0.31B

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
Operations
Operating Cash Flow	-4.09B	-7.42B	-6.57B	4.48B	-9.50B
Free Cash Flow	-4.46B	-7.64B	-6.69B	4.40B	-9.55B
Capital Expenditures	-372.83M	-221.23M	-122.83M	-77.48M	-53.49M
Investing & Financing
Investing Cash Flow	-5.47B	0.75B	-6.02B	-0.52B	-3.91B
Financing Cash Flow	14.21B	9.03B	10.01B	-3.06B	13.10B
Dividends Paid	-1.65B	-1.46B	-0.86B	-0.86B	-0.69B
Operating Activities
Operating Cash Flow	-4.09B	-7.42B	-6.57B	4.48B	-9.50B
Net Income	3.50B	3.03B	2.65B	1.83B	1.45B
Change in Other Net Operating Assets	-8.00B	-11.45B	-10.28B	1.48B	-11.86B
Net Increase (Decrease) in Deposit Accounts	13.79B	9.27B	7.21B	-1.65B	12.97B
Other Operating Activities	-2.10M	368.49M	34.81M	43.62M	8.54M
Provision for Credit Losses	0.70B	0.88B	1.00B	1.03B	0.90B
Depreciation & Amortization	94.61M	61.01M	49.41M	35.77M	29.65M
Other Amortization	—	0.62M	0.97M	0.97M	1.03M
Cash Interest Paid	3.52B	3.68B	2.58B	0.83B	0.77B
Cash Income Tax Paid	296.01M	0.19M	—	—	—
Loss (Gain) on Equity Investments	—	—	—	-8.58M	-11.53M
Total Asset Writedown	-4.51M	34.61M	147.72M	56.16M	40.87M
Investing Activities
Investing Cash Flow	-5.47B	0.75B	-6.02B	-0.52B	-3.91B
Capital Expenditures	-372.83M	-221.23M	-122.83M	-77.48M	-53.49M
Investment in Securities	-5.13B	0.96B	-5.91B	-0.45B	-3.86B
Other Investing Activities	23.28M	16.41M	16.41M	6.26M	2.93M
Sale of Property, Plant and Equipment	—	1.40M	0.44M	2.53M	4.47M
Gain (Loss) on Sale of Assets	—	894.00K	-113.00K	-8.00K	38.00K
Gain (Loss) on Sale of Investments	-373.22M	-338.07M	-176.82M	18.91M	-50.89M
Financing Activities
Financing Cash Flow	14.21B	9.03B	10.01B	-3.06B	13.10B
Common Dividends Paid	-1.65B	-1.46B	-0.86B	-0.86B	-0.69B
Long-Term Debt Issued	2.06B	1.21B	3.67B	—	0.82B
Long-Term Debt Repaid	—	—	—	-551.44M	—
Net Debt Issued (Repaid)	2.06B	1.21B	3.67B	-0.55B	0.82B
Other Financing Activities	—	—	—	—	-1.54M
Free Cash Flow & Returns
Free Cash Flow	-4.46B	-7.64B	-6.69B	4.40B	-9.55B
Free Cash Flow Margin	-82.7%	-161.6%	-172.6%	+156.1%	-405.1%
Free Cash Flow Per Share	-1.50	-2.56	-2.24	1.48	-3.20
Net Cash Flow	4.64B	2.36B	-2.57B	0.90B	-0.31B