CBD

Commercial Bank of Dubai(PSC)

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.30B	1.40B	1.38B	1.33B	1.28B
Interest Income	1.63B	1.77B	1.77B	1.68B	1.64B
Interest Expense	696.81M	774.25M	764.47M	693.56M	699.80M
Pretax Income	0.91B	1.01B	0.97B	0.95B	0.91B
Income Tax	82.29M	91.02M	86.36M	84.76M	81.91M
Net Income	830.03M	854.99M	883.64M	801.13M	828.11M
Net Interest Income	0.93B	0.99B	1.01B	0.99B	0.94B
Non-Interest Income	527.65M	527.31M	570.46M	466.60M	432.76M
Non-Interest Expense	391.68M	391.65M	413.06M	379.05M	370.29M
Loan Loss Provisions	152.32M	115.03M	193.83M	121.55M	90.68M
EPS (Basic)	0.28	0.29	0.30	0.27	0.28
EPS (Diluted)	0.28	0.29	0.30	0.27	0.28
Margins & Efficiency
Net Margin %	+63.7%	+60.9%	+63.9%	+60.2%	+64.7%
Revenue & Income
Revenue	1.30B	1.40B	1.38B	1.33B	1.28B
Revenue	1.30B	1.40B	1.38B	1.33B	1.28B
Revenue Growth (YoY)	+1.9%	+11.3%	+12.5%	+15.4%	+18.0%
Revenues Before Loan Losses	1.46B	1.52B	1.58B	1.45B	1.37B
Interest Income on Investments	—	—	—	—	—
Interest Income on Loans	1.63B	1.77B	1.77B	1.68B	1.64B
Total Interest Income	1.63B	1.77B	1.77B	1.68B	1.64B
Net Interest Income	0.93B	0.99B	1.01B	0.99B	0.94B
Net Interest Income Growth (YoY)	-1.0%	+12.6%	+14.6%	+12.5%	+5.6%
Non-Interest Income Growth (YoY)	+21.9%	+18.3%	-0.9%	+1.2%	-10.5%
Total Non-Interest Income	527.65M	527.31M	570.46M	466.60M	432.76M
Other Non-Interest Income	527.77M	459.22M	491.09M	466.70M	431.26M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Equity Investments	—	—	—	—	—
Gain (Loss) on Sale of Investments	-0.12M	68.09M	79.38M	-0.10M	1.50M
Expenses & Provisions
Selling, General & Administrative	158.14M	131.36M	144.59M	151.01M	158.43M
Interest Paid on Deposits	696.81M	774.25M	764.47M	693.56M	699.80M
Total Non-Interest Expense	391.68M	391.65M	413.06M	379.05M	370.29M
Other Non-Interest Expense	—	—	—	—	—
Provision for Loan Losses	152.32M	115.03M	193.83M	121.55M	90.68M
Salaries and Employee Benefits	201.22M	231.93M	243.87M	205.99M	192.28M
Occupancy Expenses	32.32M	28.36M	24.60M	22.06M	19.59M
Profitability & Returns
EBT Excluding Unusual Items	0.91B	1.01B	0.97B	0.95B	0.91B
Pretax Income	0.91B	1.01B	0.97B	0.95B	0.91B
Profit Margin	+63.7%	+60.9%	+63.9%	+60.2%	+64.7%
Net Income	830.03M	921.11M	883.64M	867.24M	828.11M
Net Income to Common	830.03M	854.99M	883.64M	801.13M	828.11M
Net Income Growth	+0.2%	+15.3%	+13.5%	+15.4%	+18.1%
Income Tax Expense	82.29M	91.02M	86.36M	84.76M	81.91M
Effective Tax Rate	+9.0%	+9.0%	+8.9%	+8.9%	+9.0%
Per Share & Capital
EPS (Basic)	0.28	0.29	0.30	0.27	0.28
EPS (Diluted)	0.28	0.29	0.30	0.27	0.28
EPS Growth	+0.2%	+16.7%	+13.5%	+16.9%	+18.1%
Dividend Per Share	—	0.59	—	—	—
Shares Change (YoY)	—	—	—	—	0
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%	—	—	—
Free Cash Flow	-1.30B	3.78B	-1.93B	-3.17B	-3.14B
Free Cash Flow Margin	-99.3%	+269.3%	-139.9%	-238.1%	-245.3%
Free Cash Flow Per Share	-0.43	1.27	-0.65	-1.06	-1.05
Payout Ratio	+210.8%	+7.2%	—	+7.6%	+182.9%
Preferred Dividends & Other Adjustments	—	66.11M	—	66.11M	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.30B	1.40B	1.38B	1.33B	1.28B
Interest Income	1.63B	1.77B	1.77B	1.68B	1.64B
Interest Expense	696.81M	774.25M	764.47M	693.56M	699.80M
Pretax Income	0.91B	1.01B	0.97B	0.95B	0.91B
Income Tax	82.29M	91.02M	86.36M	84.76M	81.91M
Net Income	830.03M	854.99M	883.64M	801.13M	828.11M
Net Interest Income	0.93B	0.99B	1.01B	0.99B	0.94B
Non-Interest Income	527.65M	527.31M	570.46M	466.60M	432.76M
Non-Interest Expense	391.68M	391.65M	413.06M	379.05M	370.29M
Loan Loss Provisions	152.32M	115.03M	193.83M	121.55M	90.68M
EPS (Basic)	0.28	0.29	0.30	0.27	0.28
EPS (Diluted)	0.28	0.29	0.30	0.27	0.28
Margins & Efficiency
Net Margin %	+63.7%	+60.9%	+63.9%	+60.2%	+64.7%
Revenue & Income
Revenue	1.30B	1.40B	1.38B	1.33B	1.28B
Revenue	1.30B	1.40B	1.38B	1.33B	1.28B
Revenue Growth (YoY)	+1.9%	+11.3%	+12.5%	+15.4%	+18.0%
Revenues Before Loan Losses	1.46B	1.52B	1.58B	1.45B	1.37B
Interest Income on Investments	—	—	—	—	—
Interest Income on Loans	1.63B	1.77B	1.77B	1.68B	1.64B
Total Interest Income	1.63B	1.77B	1.77B	1.68B	1.64B
Net Interest Income	0.93B	0.99B	1.01B	0.99B	0.94B
Net Interest Income Growth (YoY)	-1.0%	+12.6%	+14.6%	+12.5%	+5.6%
Non-Interest Income Growth (YoY)	+21.9%	+18.3%	-0.9%	+1.2%	-10.5%
Total Non-Interest Income	527.65M	527.31M	570.46M	466.60M	432.76M
Other Non-Interest Income	527.77M	459.22M	491.09M	466.70M	431.26M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Equity Investments	—	—	—	—	—
Gain (Loss) on Sale of Investments	-0.12M	68.09M	79.38M	-0.10M	1.50M
Expenses & Provisions
Selling, General & Administrative	158.14M	131.36M	144.59M	151.01M	158.43M
Interest Paid on Deposits	696.81M	774.25M	764.47M	693.56M	699.80M
Total Non-Interest Expense	391.68M	391.65M	413.06M	379.05M	370.29M
Other Non-Interest Expense	—	—	—	—	—
Provision for Loan Losses	152.32M	115.03M	193.83M	121.55M	90.68M
Salaries and Employee Benefits	201.22M	231.93M	243.87M	205.99M	192.28M
Occupancy Expenses	32.32M	28.36M	24.60M	22.06M	19.59M
Profitability & Returns
EBT Excluding Unusual Items	0.91B	1.01B	0.97B	0.95B	0.91B
Pretax Income	0.91B	1.01B	0.97B	0.95B	0.91B
Profit Margin	+63.7%	+60.9%	+63.9%	+60.2%	+64.7%
Net Income	830.03M	921.11M	883.64M	867.24M	828.11M
Net Income to Common	830.03M	854.99M	883.64M	801.13M	828.11M
Net Income Growth	+0.2%	+15.3%	+13.5%	+15.4%	+18.1%
Income Tax Expense	82.29M	91.02M	86.36M	84.76M	81.91M
Effective Tax Rate	+9.0%	+9.0%	+8.9%	+8.9%	+9.0%
Per Share & Capital
EPS (Basic)	0.28	0.29	0.30	0.27	0.28
EPS (Diluted)	0.28	0.29	0.30	0.27	0.28
EPS Growth	+0.2%	+16.7%	+13.5%	+16.9%	+18.1%
Dividend Per Share	—	0.59	—	—	—
Shares Change (YoY)	—	—	—	—	0
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%	—	—	—
Free Cash Flow	-1.30B	3.78B	-1.93B	-3.17B	-3.14B
Free Cash Flow Margin	-99.3%	+269.3%	-139.9%	-238.1%	-245.3%
Free Cash Flow Per Share	-0.43	1.27	-0.65	-1.06	-1.05
Payout Ratio	+210.8%	+7.2%	—	+7.6%	+182.9%
Preferred Dividends & Other Adjustments	—	66.11M	—	66.11M	—