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
Operating Summary
Revenue	5.40B	4.73B	3.88B	2.82B	2.36B
Interest Income	6.85B	6.62B	5.90B	3.31B	2.69B
Interest Expense	2.93B	3.10B	2.63B	0.91B	0.61B
Pretax Income	3.84B	3.33B	2.65B	1.83B	1.45B
Income Tax	344.05M	295.37M	—	—	—
Net Income	3.37B	2.90B	2.52B	1.69B	1.32B
Net Interest Income	3.92B	3.52B	3.27B	2.40B	2.08B
Non-Interest Income	2.00B	1.97B	1.67B	1.41B	1.10B
Non-Interest Expense	1.55B	1.40B	1.23B	1.00B	0.91B
Loan Loss Provisions	0.52B	0.76B	1.06B	0.99B	0.83B
EPS (Basic)	1.13	0.97	0.84	0.57	0.44
EPS (Diluted)	1.13	0.97	0.84	0.57	0.44
DPS	0.59	0.51	0.44	0.24	0.24
Margins & Efficiency
Net Margin %	+62.4%	+61.3%	+64.9%	+60.0%	+55.9%
Revenue & Income
Revenue	5.40B	4.73B	3.88B	2.82B	2.36B
Revenue	5.40B	4.73B	3.88B	2.82B	2.36B
Revenue Growth (YoY)	+14.2%	+21.9%	+37.4%	+19.7%	+21.3%
Revenues Before Loan Losses	5.92B	5.49B	4.94B	3.81B	3.18B
Interest Income on Investments	—	—	—	—	2.93M
Interest Income on Loans	6.85B	6.62B	5.90B	3.31B	2.69B
Total Interest Income	6.85B	6.62B	5.90B	3.31B	2.69B
Net Interest Income	3.92B	3.52B	3.27B	2.40B	2.08B
Net Interest Income Growth (YoY)	+11.3%	+7.7%	+36.2%	+15.4%	+10.1%
Non-Interest Income Growth (YoY)	+1.6%	+18.0%	+18.1%	+28.0%	+0.7%
Total Non-Interest Income	2.00B	1.97B	1.67B	1.41B	1.10B
Other Non-Interest Income	1.85B	1.96B	1.67B	1.40B	1.03B
Gain (Loss) on Sale of Assets	—	—	—	—	-38.00K
Gain (Loss) on Sale of Equity Investments	—	—	—	8.58M	11.53M
Gain (Loss) on Sale of Investments	148.87M	3.65M	1.08M	1.65M	56.55M
Expenses & Provisions
Selling, General & Administrative	585.38M	566.11M	456.13M	374.52M	835.41M
Interest Paid on Deposits	2.93B	3.10B	2.63B	0.91B	0.61B
Total Non-Interest Expense	1.55B	1.40B	1.23B	1.00B	0.91B
Other Non-Interest Expense	—	—	—	—	41.50M
Provision for Loan Losses	0.52B	0.76B	1.06B	0.99B	0.83B
Salaries and Employee Benefits	874.06M	776.35M	722.31M	586.32M	—
Occupancy Expenses	94.61M	61.01M	49.41M	35.77M	29.65M
Profitability & Returns
EBT Excluding Unusual Items	3.84B	3.33B	2.65B	1.83B	1.45B
Pretax Income	3.84B	3.33B	2.65B	1.83B	1.45B
Profit Margin	+62.4%	+61.3%	+64.9%	+60.0%	+55.9%
Net Income	3.50B	3.03B	2.65B	1.83B	1.45B
Net Income to Common	3.37B	2.90B	2.52B	1.69B	1.32B
Net Income Growth	+15.5%	+14.3%	+45.2%	+25.8%	+29.5%
Income Tax Expense	344.05M	295.37M	—	—	—
Effective Tax Rate	+9.0%	+8.9%	—	—	—
Per Share & Capital
EPS (Basic)	1.13	0.97	0.84	0.57	0.44
EPS (Diluted)	1.13	0.97	0.84	0.57	0.44
EPS Growth	+16.2%	+15.1%	+48.7%	+28.6%	+18.4%
Dividend Per Share	0.59	0.51	0.44	0.24	0.24
Shares Outstanding (Basic)	2.99B	2.99B	2.99B	2.99B	2.99B
Shares Outstanding (Diluted)	2.99B	2.99B	2.99B	2.99B	2.99B
Dividend Growth	+15.5%	+14.3%	+81.4%	+0.7%	+29.4%
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
Payout Ratio	+47.1%	+48.1%	+32.5%	+47.0%	+47.8%
Preferred Dividends & Other Adjustments	132.23M	132.23M	132.23M	132.23M	133.77M

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	5.40B	4.73B	3.88B	2.82B	2.36B
Interest Income	6.85B	6.62B	5.90B	3.31B	2.69B
Interest Expense	2.93B	3.10B	2.63B	0.91B	0.61B
Pretax Income	3.84B	3.33B	2.65B	1.83B	1.45B
Income Tax	344.05M	295.37M	—	—	—
Net Income	3.37B	2.90B	2.52B	1.69B	1.32B
Net Interest Income	3.92B	3.52B	3.27B	2.40B	2.08B
Non-Interest Income	2.00B	1.97B	1.67B	1.41B	1.10B
Non-Interest Expense	1.55B	1.40B	1.23B	1.00B	0.91B
Loan Loss Provisions	0.52B	0.76B	1.06B	0.99B	0.83B
EPS (Basic)	1.13	0.97	0.84	0.57	0.44
EPS (Diluted)	1.13	0.97	0.84	0.57	0.44
DPS	0.59	0.51	0.44	0.24	0.24
Margins & Efficiency
Net Margin %	+62.4%	+61.3%	+64.9%	+60.0%	+55.9%
Revenue & Income
Revenue	5.40B	4.73B	3.88B	2.82B	2.36B
Revenue	5.40B	4.73B	3.88B	2.82B	2.36B
Revenue Growth (YoY)	+14.2%	+21.9%	+37.4%	+19.7%	+21.3%
Revenues Before Loan Losses	5.92B	5.49B	4.94B	3.81B	3.18B
Interest Income on Investments	—	—	—	—	2.93M
Interest Income on Loans	6.85B	6.62B	5.90B	3.31B	2.69B
Total Interest Income	6.85B	6.62B	5.90B	3.31B	2.69B
Net Interest Income	3.92B	3.52B	3.27B	2.40B	2.08B
Net Interest Income Growth (YoY)	+11.3%	+7.7%	+36.2%	+15.4%	+10.1%
Non-Interest Income Growth (YoY)	+1.6%	+18.0%	+18.1%	+28.0%	+0.7%
Total Non-Interest Income	2.00B	1.97B	1.67B	1.41B	1.10B
Other Non-Interest Income	1.85B	1.96B	1.67B	1.40B	1.03B
Gain (Loss) on Sale of Assets	—	—	—	—	-38.00K
Gain (Loss) on Sale of Equity Investments	—	—	—	8.58M	11.53M
Gain (Loss) on Sale of Investments	148.87M	3.65M	1.08M	1.65M	56.55M
Expenses & Provisions
Selling, General & Administrative	585.38M	566.11M	456.13M	374.52M	835.41M
Interest Paid on Deposits	2.93B	3.10B	2.63B	0.91B	0.61B
Total Non-Interest Expense	1.55B	1.40B	1.23B	1.00B	0.91B
Other Non-Interest Expense	—	—	—	—	41.50M
Provision for Loan Losses	0.52B	0.76B	1.06B	0.99B	0.83B
Salaries and Employee Benefits	874.06M	776.35M	722.31M	586.32M	—
Occupancy Expenses	94.61M	61.01M	49.41M	35.77M	29.65M
Profitability & Returns
EBT Excluding Unusual Items	3.84B	3.33B	2.65B	1.83B	1.45B
Pretax Income	3.84B	3.33B	2.65B	1.83B	1.45B
Profit Margin	+62.4%	+61.3%	+64.9%	+60.0%	+55.9%
Net Income	3.50B	3.03B	2.65B	1.83B	1.45B
Net Income to Common	3.37B	2.90B	2.52B	1.69B	1.32B
Net Income Growth	+15.5%	+14.3%	+45.2%	+25.8%	+29.5%
Income Tax Expense	344.05M	295.37M	—	—	—
Effective Tax Rate	+9.0%	+8.9%	—	—	—
Per Share & Capital
EPS (Basic)	1.13	0.97	0.84	0.57	0.44
EPS (Diluted)	1.13	0.97	0.84	0.57	0.44
EPS Growth	+16.2%	+15.1%	+48.7%	+28.6%	+18.4%
Dividend Per Share	0.59	0.51	0.44	0.24	0.24
Shares Outstanding (Basic)	2.99B	2.99B	2.99B	2.99B	2.99B
Shares Outstanding (Diluted)	2.99B	2.99B	2.99B	2.99B	2.99B
Dividend Growth	+15.5%	+14.3%	+81.4%	+0.7%	+29.4%
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
Payout Ratio	+47.1%	+48.1%	+32.5%	+47.0%	+47.8%
Preferred Dividends & Other Adjustments	132.23M	132.23M	132.23M	132.23M	133.77M