Commercial Bank of Dubai (CBD) has announced its financial results for the fiscal year ending December 31, 2025, delivering a remarkable achievement with 22 consecutive quarters of net profit growth. The bank also surpassed AED 100 billion in net loans, reinforcing its role in supporting personal and corporate banking growth across the UAE.

CBD reported a net profit before tax of AED 3.844 billion, representing a 15.6% increase compared to 2024. Net profit after tax reached AED 3.5 billion, reflecting an annual growth of 15.5%.

The bank set a new quarterly record in Q4 2025, posting AED 1 billion in pre-tax profit, and achieved a return on equity (ROE) of 22.15% after tax, up by 75 basis points year-on-year.

Operating income grew by 7.8% compared to FY2024, reaching AED 5.919 billion. This was primarily driven by a 9.3% increase in net interest income, fueled by strong growth in loans, current and savings accounts, as well as a 4.5% rise in non-interest income.

Operating expenses increased by 10.8% to AED 1.554 billion, as the bank continued to invest in digital transformation, technology, governance, and regulatory compliance.

As of December 31, 2025, CBD’s total assets reached AED 160.3 billion, up 14.4% from AED 140.2 billion at the end of 2024. Gross loans and advances rose 7.2% to AED 105.4 billion, while net loans and advances increased by 8.6% to AED 101 billion.

Customer deposits grew by 14.1% to AED 111.4 billion, with low-cost current and savings accounts making up 49% of total deposits. The loan-to-deposit ratio improved to 90.75%, and the loan-to-stable resources ratio stood at 83.14%.

CBD also reported a drop in non-performing loan (NPL) ratio, which declined to 3.58%, compared to 4.35% at the end of 2024.

Commenting on the results, Bernd van Linder, CEO of Commercial Bank of Dubai, said:

“Delivering 22 consecutive quarters of net profit growth and surpassing AED 100 billion in net loans are significant milestones that reflect the bank’s solid foundation. Over the past five years, we’ve maintained consistent performance despite global challenges—demonstrating the strength of our strategy in driving sustainable growth and long-term value for all stakeholders.”

He added:

“Our 2025 financial results highlight disciplined and high-quality execution. We remained focused on customer-centricity, accelerating full-scale digital transformation, and empowering national talent.”