News DeskDubai, UAE – Commercial Bank of Dubai (CBD) announced record-breaking financial results for the year ended 31 December 2025, marking an unprecedented 22 consecutive quarters of net profit growth — a performance unmatched by any other bank in the UAE during the same period.
The bank reported net profit before tax of AED 3.84 billion, up 15.6 per cent year-on-year, while net profit after tax rose 15.5 per cent to AED 3.5 billion. CBD also achieved a historic milestone by surpassing AED 100 billion in net loans, underlining its expanding role in supporting the growth of UAE individuals and businesses.
Performance in the final quarter of the year was particularly strong, with the bank posting a record AED 1 billion net profit before tax in Q4 2025. Return on equity after tax rose to a top-tier 22.15 per cent, reflecting strong profitability and capital efficiency.
Commenting on the results, CBD Chief Executive Officer Dr. Bernd van Linder said the bank’s consistent performance over the past five years demonstrates the strength of its strategy and underlying fundamentals despite global economic headwinds. He added that the bank remains focused on customer centricity, digital transformation and empowering national talent, while supporting the UAE’s economic ambitions.
Operating income for FY2025 increased 7.8 per cent to AED 5.92 billion, driven by a 9.3 per cent rise in net interest income on the back of strong loan and CASA growth, alongside a 4.5 per cent increase in non-funded income. Operating expenses rose 10.8 per cent to AED 1.55 billion due to continued investments in technology and regulatory compliance, while the cost-to-income ratio remained a strong 26.25 per cent.
CBD’s balance sheet also expanded significantly, with total assets rising 14.4 per cent to AED 160.3 billion. Gross loans and advances reached AED 105.4 billion, while customer deposits grew 14.1 per cent to AED 111.4 billion, nearly half of which were low-cost CASA deposits. The bank’s liquidity and capital ratios remained well above regulatory requirements.
Asset quality improved further, with the non-performing loan ratio declining to 3.58 per cent from 4.35 per cent a year earlier. International rating agencies reaffirmed CBD’s strong credit profile, with Fitch Ratings assigning an A- rating and Moody’s maintaining a Baa1 rating, both with stable outlooks.
During the year, CBD accelerated its digital transformation agenda and became the first bank in the UAE to activate Open Finance at scale. The bank also supported several national financial initiatives, reinforcing its alignment with the UAE’s vision for innovation and financial inclusion.
CBD’s leadership in digital banking and innovation was recognised through multiple regional awards, further cementing its position as one of the UAE’s strongest-performing and most forward-looking banks.
