The Commercial Bank of Dubai (CBD) has achieved a historic milestone, reporting a record net profit before tax of Dh2.83 billion for the first nine months of 2025, a 15.6% increase compared to the same period last year. Net profit after tax stood at Dh2.58 billion, marking the bank’s 21st consecutive quarter of profit growth—a remarkable feat in the UAE banking sector. Additionally, CBD’s net loans surpassed Dh100 billion for the first time, reflecting a 13.1% increase since the end of 2024. The bank’s total assets surged to Dh163.4 billion, up 16.6% year-on-year, while customer deposits grew 14.9% to Dh112.1 billion, with low-cost CASA deposits accounting for 51% of the total. Dr. Bernd van Linder, CEO of CBD, emphasized the significance of these achievements, attributing them to the bank’s resilient strategy and customer-focused approach despite global challenges such as the pandemic, volatile interest rates, and supply chain disruptions. CBD’s return on equity after tax reached 22.3%, placing it among the top performers in the industry. Asset quality also improved, with the non-performing loan ratio dropping to 3.5%, down 146 basis points from the previous year. The bank’s cost of risk declined to 0.49%, and provision coverage stood at 98.93%, rising to 140.83% when including collateral. CBD’s transformation agenda continues to deliver results, with the bank achieving its highest SME Net Promoter Score in over three years and receiving multiple industry awards, including Best Digitisation Initiatives and Best Mobile Banking Services. The bank remains committed to national initiatives, supporting programs like Aani payments, the UAE Central Bank’s Digital Currency project, and the Financial Infrastructure Transformation Program. CBD also participated in global forums such as SIBOS 2025 and the BAFT Global Councils Forum, showcasing its dedication to innovation and thought leadership. With a capital adequacy ratio of 15.84% and a Tier 1 ratio of 14.70%, CBD maintains a strong capital position well above regulatory requirements. As it enters its sixth decade, the bank continues to support the nation’s ambitions through disciplined growth, digital innovation, and customer-centric strategies.
Commercial Bank of Dubai achieves record net profit and surpasses Dh100 billion in loans
