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
Operating Summary
Revenue	1.40B	1.38B	1.33B	1.28B	1.26B
Interest Income	1.77B	1.77B	1.68B	1.64B	1.66B
Interest Expense	774.25M	764.47M	693.56M	699.80M	778.36M
Pretax Income	1.01B	0.97B	0.95B	0.91B	0.88B
Income Tax	91.02M	86.36M	84.76M	81.91M	76.48M
Net Income	854.99M	883.64M	801.13M	828.11M	732.43M
Net Interest Income	0.99B	1.01B	0.99B	0.94B	0.88B
Non-Interest Income	527.31M	570.46M	466.60M	432.76M	445.59M
Non-Interest Expense	391.65M	413.06M	379.05M	370.29M	385.90M
Loan Loss Provisions	115.03M	193.83M	121.55M	90.68M	65.55M
EPS (Basic)	0.29	0.30	0.27	0.28	0.25
EPS (Diluted)	0.29	0.30	0.27	0.28	0.25
Margins & Efficiency
Net Margin %	+60.9%	+63.9%	+60.2%	+64.7%	+58.1%
Revenue & Income
Revenue	1.40B	1.38B	1.33B	1.28B	1.26B
Revenue	1.40B	1.38B	1.33B	1.28B	1.26B
Revenue Growth (YoY)	+11.3%	+12.5%	+15.4%	+18.0%	+18.8%
Revenues Before Loan Losses	1.52B	1.58B	1.45B	1.37B	1.33B
Interest Income on Investments	—	—	—	—	—
Interest Income on Loans	1.77B	1.77B	1.68B	1.64B	1.66B
Total Interest Income	1.77B	1.77B	1.68B	1.64B	1.66B
Net Interest Income	0.99B	1.01B	0.99B	0.94B	0.88B
Net Interest Income Growth (YoY)	+12.6%	+14.6%	+12.5%	+5.6%	+4.4%
Non-Interest Income Growth (YoY)	+18.3%	-0.9%	+1.2%	-10.5%	+17.9%
Total Non-Interest Income	527.31M	570.46M	466.60M	432.76M	445.59M
Other Non-Interest Income	459.22M	491.09M	466.70M	431.26M	447.43M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Equity Investments	—	—	—	—	—
Gain (Loss) on Sale of Investments	68.09M	79.38M	-0.10M	1.50M	-1.85M
Expenses & Provisions
Selling, General & Administrative	131.36M	144.59M	151.01M	158.43M	161.06M
Interest Paid on Deposits	774.25M	764.47M	693.56M	699.80M	778.36M
Total Non-Interest Expense	391.65M	413.06M	379.05M	370.29M	385.90M
Other Non-Interest Expense	—	—	—	—	—
Provision for Loan Losses	115.03M	193.83M	121.55M	90.68M	65.55M
Salaries and Employee Benefits	231.93M	243.87M	205.99M	192.28M	205.01M
Occupancy Expenses	28.36M	24.60M	22.06M	19.59M	19.83M
Profitability & Returns
EBT Excluding Unusual Items	1.01B	0.97B	0.95B	0.91B	0.88B
Pretax Income	1.01B	0.97B	0.95B	0.91B	0.88B
Profit Margin	+60.9%	+63.9%	+60.2%	+64.7%	+58.1%
Net Income	921.11M	883.64M	867.24M	828.11M	798.54M
Net Income to Common	854.99M	883.64M	801.13M	828.11M	732.43M
Net Income Growth	+15.3%	+13.5%	+15.4%	+18.1%	+11.8%
Income Tax Expense	91.02M	86.36M	84.76M	81.91M	76.48M
Effective Tax Rate	+9.0%	+8.9%	+8.9%	+9.0%	+8.7%
Per Share & Capital
EPS (Basic)	0.29	0.30	0.27	0.28	0.25
EPS (Diluted)	0.29	0.30	0.27	0.28	0.25
EPS Growth	+16.7%	+13.5%	+16.9%	+18.1%	+13.0%
Dividend Per Share	0.59	—	—	—	0.51
Shares Change (YoY)	—	—	—	—	—
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%
Free Cash Flow	3.78B	-1.93B	-3.17B	-3.14B	0.37B
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
Payout Ratio	+7.2%	—	+7.6%	+182.9%	+8.3%
Preferred Dividends & Other Adjustments	66.11M	—	66.11M	—	66.11M

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
Operating Summary
Revenue	1.40B	1.38B	1.33B	1.28B	1.26B
Interest Income	1.77B	1.77B	1.68B	1.64B	1.66B
Interest Expense	774.25M	764.47M	693.56M	699.80M	778.36M
Pretax Income	1.01B	0.97B	0.95B	0.91B	0.88B
Income Tax	91.02M	86.36M	84.76M	81.91M	76.48M
Net Income	854.99M	883.64M	801.13M	828.11M	732.43M
Net Interest Income	0.99B	1.01B	0.99B	0.94B	0.88B
Non-Interest Income	527.31M	570.46M	466.60M	432.76M	445.59M
Non-Interest Expense	391.65M	413.06M	379.05M	370.29M	385.90M
Loan Loss Provisions	115.03M	193.83M	121.55M	90.68M	65.55M
EPS (Basic)	0.29	0.30	0.27	0.28	0.25
EPS (Diluted)	0.29	0.30	0.27	0.28	0.25
Margins & Efficiency
Net Margin %	+60.9%	+63.9%	+60.2%	+64.7%	+58.1%
Revenue & Income
Revenue	1.40B	1.38B	1.33B	1.28B	1.26B
Revenue	1.40B	1.38B	1.33B	1.28B	1.26B
Revenue Growth (YoY)	+11.3%	+12.5%	+15.4%	+18.0%	+18.8%
Revenues Before Loan Losses	1.52B	1.58B	1.45B	1.37B	1.33B
Interest Income on Investments	—	—	—	—	—
Interest Income on Loans	1.77B	1.77B	1.68B	1.64B	1.66B
Total Interest Income	1.77B	1.77B	1.68B	1.64B	1.66B
Net Interest Income	0.99B	1.01B	0.99B	0.94B	0.88B
Net Interest Income Growth (YoY)	+12.6%	+14.6%	+12.5%	+5.6%	+4.4%
Non-Interest Income Growth (YoY)	+18.3%	-0.9%	+1.2%	-10.5%	+17.9%
Total Non-Interest Income	527.31M	570.46M	466.60M	432.76M	445.59M
Other Non-Interest Income	459.22M	491.09M	466.70M	431.26M	447.43M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Equity Investments	—	—	—	—	—
Gain (Loss) on Sale of Investments	68.09M	79.38M	-0.10M	1.50M	-1.85M
Expenses & Provisions
Selling, General & Administrative	131.36M	144.59M	151.01M	158.43M	161.06M
Interest Paid on Deposits	774.25M	764.47M	693.56M	699.80M	778.36M
Total Non-Interest Expense	391.65M	413.06M	379.05M	370.29M	385.90M
Other Non-Interest Expense	—	—	—	—	—
Provision for Loan Losses	115.03M	193.83M	121.55M	90.68M	65.55M
Salaries and Employee Benefits	231.93M	243.87M	205.99M	192.28M	205.01M
Occupancy Expenses	28.36M	24.60M	22.06M	19.59M	19.83M
Profitability & Returns
EBT Excluding Unusual Items	1.01B	0.97B	0.95B	0.91B	0.88B
Pretax Income	1.01B	0.97B	0.95B	0.91B	0.88B
Profit Margin	+60.9%	+63.9%	+60.2%	+64.7%	+58.1%
Net Income	921.11M	883.64M	867.24M	828.11M	798.54M
Net Income to Common	854.99M	883.64M	801.13M	828.11M	732.43M
Net Income Growth	+15.3%	+13.5%	+15.4%	+18.1%	+11.8%
Income Tax Expense	91.02M	86.36M	84.76M	81.91M	76.48M
Effective Tax Rate	+9.0%	+8.9%	+8.9%	+9.0%	+8.7%
Per Share & Capital
EPS (Basic)	0.29	0.30	0.27	0.28	0.25
EPS (Diluted)	0.29	0.30	0.27	0.28	0.25
EPS Growth	+16.7%	+13.5%	+16.9%	+18.1%	+13.0%
Dividend Per Share	0.59	—	—	—	0.51
Shares Change (YoY)	—	—	—	—	—
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%
Free Cash Flow	3.78B	-1.93B	-3.17B	-3.14B	0.37B
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
Payout Ratio	+7.2%	—	+7.6%	+182.9%	+8.3%
Preferred Dividends & Other Adjustments	66.11M	—	66.11M	—	66.11M