Commercial Bank of Dubai announced its financial results for the fiscal year ending December 31, 2025, achieving an exceptional feat of 22 consecutive quarters of net profit growth, while net loans exceeded 100 billion dirhams. The bank recorded a pre-tax net profit of 3.844 billion dirhams, a 15.6% increase compared to 2024. Net profit after tax rose by 15.5% annually to reach 3.5 billion dirhams. The bank also achieved a record pre-tax net profit of 1 billion dirhams in the last quarter of the previous year. The return on equity after tax was 22.15%, an increase of 75 basis points. The bank's operating income grew by 7.8% to reach 5.919 billion dirhams, attributed to a 9.3% increase in net interest income, driven by strong growth in loans, savings, and current accounts, and a 4.5% growth in non-funded income. Operating expenses amounted to 1.554 billion dirhams, an increase of 10.8%, as the bank continued to invest in digital transformation, technology, governance, and regulatory compliance. Total assets reached 160.3 billion dirhams as of December 31, 2025, a 14.4% increase from 140.2 billion dirhams at the end of 2024. Total loans and advances grew by 7.2% to reach 105.4 billion dirhams, while net loans and advances increased by 8.6% to reach 101 billion dirhams. Customer deposits increased by 14.1% to reach 111.4 billion dirhams. The loans-to-deposits ratio improved to 90.75%, while the loans-to-stable resources ratio reached 83.14%. The non-performing loan ratio decreased to 3.58%, compared to 4.35% at the end of 2024. The CEO of Commercial Bank of Dubai, Bernd van Linder, stated: "Achieving net profit growth for 22 consecutive quarters and net loans exceeding 100 billion dirhams are two significant accomplishments that reflect the bank's strong foundations. We have delivered consistent results over the past five years despite global challenges, which demonstrates the strength of our strategy to drive sustainable growth and create long-term value for all our stakeholders." He added: "The FY 2025 results highlight a disciplined, high-quality execution approach, as we continued to focus on customers, accelerate the digital transformation journey, and empower national talent."
