The Commercial Bank of Dubai (CBD) has achieved a record-breaking net profit before tax of Dh2.83 billion for the first nine months of 2025, representing a 15.6% rise compared to the same period last year. The net profit after tax reached Dh2.58 billion, continuing the bank’s impressive streak of 21 consecutive quarters of profit growth, a leading accomplishment in the UAE banking industry.
CBD celebrated a major milestone as its net loans surpassed Dh100 billion for the first time, showing a 13.1% increase since the end of 2024. The bank’s total assets climbed to Dh163.4 billion, a 16.6% year-on-year growth, while customer deposits increased by 14.9% to Dh112.1 billion, with low-cost CASA deposits comprising 51% of the total.
Dr. Bernd van Linder, CEO of CBD, emphasized the importance of these achievements. “Achieving a record net profit with net loans over Dh100 billion are significant milestones for CBD,” he said. “Our consistent performance over the past five years, despite global challenges such as the pandemic, fluctuating interest rates, and supply chain issues, highlights the strength of our strategy and our ongoing commitment to our customers. We are proud of this latest performance, which affirms our disciplined high-quality execution. We remain focused on achieving our strategic goals for the full year 2025 and beyond.”
The bank’s return on equity after tax reached 22.3%, placing it among the top performers in its sector. Asset quality improved as well, with the non-performing loan ratio decreasing to 3.5%, down by 146 basis points from the previous year. The cost of risk fell to 0.49%, and provision coverage increased to 98.93%, rising to 140.83% when factoring in collateral.
CBD’s transformation strategy continues to yield positive outcomes, achieving its highest SME Net Promoter Score in over three years. It also garnered several industry awards, including honors for Best Digitisation Initiatives and Best Mobile Banking Services, underscoring its digital-first approach.
The bank remains committed to national initiatives, supporting projects like Aani payments, the UAE Central Bank’s Digital Currency initiative, and the Financial Infrastructure Transformation Program. CBD also engaged in global forums such as SIBOS 2025 and the BAFT Global Councils Forum, demonstrating its dedication to innovation and thought leadership.
With a capital adequacy ratio of 15.84% and a Tier 1 ratio of 14.70%, CBD upholds a strong capital position, well above regulatory requirements. As it enters its sixth decade, the bank continues to support national ambitions with disciplined growth, digital innovation, and customer-focused strategies.
