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
Operations
Operating Cash Flow	3.91B	-1.83B	-3.07B	-3.09B	0.44B
Free Cash Flow	3.78B	-1.93B	-3.17B	-3.14B	0.37B
Capital Expenditures	-126.34M	-99.33M	-97.88M	-49.28M	-70.52M
Investing & Financing
Investing Cash Flow	0.87B	-8.01B	3.23B	-1.56B	0.85B
Financing Cash Flow	-0.86B	5.10B	9.42B	0.55B	0.65B
Dividends Paid	-0.07B	—	-0.07B	-1.51B	-0.07B
Operating Activities
Operating Cash Flow	3.91B	-1.83B	-3.07B	-3.09B	0.44B
Net Income	921.11M	883.64M	867.24M	828.11M	798.54M
Change in Other Net Operating Assets	2.89B	-2.62B	-4.18B	-4.09B	-0.50B
Net Increase (Decrease) in Deposit Accounts	-0.80B	5.10B	7.42B	2.06B	-1.12B
Other Operating Activities	89.02M	-214.45M	68.63M	54.70M	229.10M
Provision for Credit Losses	162.43M	253.91M	147.11M	135.27M	-35.41M
Depreciation & Amortization	28.36M	24.60M	22.06M	19.59M	19.83M
Other Amortization	—	—	—	—	—
Cash Interest Paid	3.52B	—	—	—	3.68B
Cash Income Tax Paid	—	295.80M	—	0.21M	—
Loss (Gain) on Equity Investments	—	—	—	—	—
Total Asset Writedown	-4.51M	—	—	—	6.49M
Investing Activities
Investing Cash Flow	0.87B	-8.01B	3.23B	-1.56B	0.85B
Capital Expenditures	-126.34M	-99.33M	-97.88M	-49.28M	-70.52M
Investment in Securities	0.99B	-7.91B	3.31B	-1.51B	0.92B
Other Investing Activities	1.48M	1.48M	18.83M	1.48M	1.75M
Sale of Property, Plant and Equipment	—	—	—	—	1.40M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	-177.45M	-165.35M	3.68M	-34.10M	-81.82M
Financing Activities
Financing Cash Flow	-0.86B	5.10B	9.42B	0.55B	0.65B
Common Dividends Paid	-0.07B	—	-0.07B	-1.51B	-0.07B
Total Debt Issued	—	—	2.06B	—	1.21B
Long-Term Debt Repaid	—	—	—	—	—
Total Debt Repaid	—	—	—	—	624.41M
Net Debt Issued (Repaid)	—	—	2.06B	—	1.84B
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	3.78B	-1.93B	-3.17B	-3.14B	0.37B
Free Cash Flow Growth	+921.0%	—	—	—	+1,495.6%
Free Cash Flow Margin	+269.3%	-139.9%	-238.1%	-245.3%	+29.4%
Free Cash Flow Per Share	1.27	-0.65	-1.06	-1.05	0.12
Operating Cash Flow Growth	+786.3%	—	—	—	+572.0%
Net Cash Flow	3.91B	-4.75B	9.58B	-4.11B	1.94B

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
Operations
Operating Cash Flow	3.91B	-1.83B	-3.07B	-3.09B	0.44B
Free Cash Flow	3.78B	-1.93B	-3.17B	-3.14B	0.37B
Capital Expenditures	-126.34M	-99.33M	-97.88M	-49.28M	-70.52M
Investing & Financing
Investing Cash Flow	0.87B	-8.01B	3.23B	-1.56B	0.85B
Financing Cash Flow	-0.86B	5.10B	9.42B	0.55B	0.65B
Dividends Paid	-0.07B	—	-0.07B	-1.51B	-0.07B
Operating Activities
Operating Cash Flow	3.91B	-1.83B	-3.07B	-3.09B	0.44B
Net Income	921.11M	883.64M	867.24M	828.11M	798.54M
Change in Other Net Operating Assets	2.89B	-2.62B	-4.18B	-4.09B	-0.50B
Net Increase (Decrease) in Deposit Accounts	-0.80B	5.10B	7.42B	2.06B	-1.12B
Other Operating Activities	89.02M	-214.45M	68.63M	54.70M	229.10M
Provision for Credit Losses	162.43M	253.91M	147.11M	135.27M	-35.41M
Depreciation & Amortization	28.36M	24.60M	22.06M	19.59M	19.83M
Other Amortization	—	—	—	—	—
Cash Interest Paid	3.52B	—	—	—	3.68B
Cash Income Tax Paid	—	295.80M	—	0.21M	—
Loss (Gain) on Equity Investments	—	—	—	—	—
Total Asset Writedown	-4.51M	—	—	—	6.49M
Investing Activities
Investing Cash Flow	0.87B	-8.01B	3.23B	-1.56B	0.85B
Capital Expenditures	-126.34M	-99.33M	-97.88M	-49.28M	-70.52M
Investment in Securities	0.99B	-7.91B	3.31B	-1.51B	0.92B
Other Investing Activities	1.48M	1.48M	18.83M	1.48M	1.75M
Sale of Property, Plant and Equipment	—	—	—	—	1.40M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Investments	-177.45M	-165.35M	3.68M	-34.10M	-81.82M
Financing Activities
Financing Cash Flow	-0.86B	5.10B	9.42B	0.55B	0.65B
Common Dividends Paid	-0.07B	—	-0.07B	-1.51B	-0.07B
Total Debt Issued	—	—	2.06B	—	1.21B
Long-Term Debt Repaid	—	—	—	—	—
Total Debt Repaid	—	—	—	—	624.41M
Net Debt Issued (Repaid)	—	—	2.06B	—	1.84B
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	3.78B	-1.93B	-3.17B	-3.14B	0.37B
Free Cash Flow Growth	+921.0%	—	—	—	+1,495.6%
Free Cash Flow Margin	+269.3%	-139.9%	-238.1%	-245.3%	+29.4%
Free Cash Flow Per Share	1.27	-0.65	-1.06	-1.05	0.12
Operating Cash Flow Growth	+786.3%	—	—	—	+572.0%
Net Cash Flow	3.91B	-4.75B	9.58B	-4.11B	1.94B