Commercial Bank International PJSC (CBI) (ADX Symbol: CBI; ISIN: AEC000101019) has announced its financial results for the third quarter of 2025.
For the first nine months of the year, the Bank recorded a pre-tax profit of AED 109 million, with AED 16 million generated in Q3 2025.
The financial statements show that net operating income held steady at AED 524 million.
Net interest income rose 15% year-on-year, increasing from AED 253 million to AED 291 million. This improvement was supported by effective balance sheet management and a stronger CASA mix, which contributed to an uplift in net interest margins (NIM) from 2.18% at the end of September 2024 to 2.36% at the end of September 2025.
Customer deposits expanded by 4%, climbing from AED 15.2 billion as of 30 September 2024 to AED 15.8 billion as of 30 September 2025. The deposit mix continued to improve throughout 2025, with the CASA ratio rising 5% year-on-year, enabling CBI to maintain an efficient funding profile. The loan-to-deposit ratio strengthened to 81%, further solidifying the Bank’s liquidity position.
The capital adequacy ratio increased from 15.8% as of 30 September 2024 to 17.7% as of 30 September 2025, supported by an enhanced equity base.
Commenting on the results, Ali Sultan Rakkad Al Amri, CEO of Commercial Bank International, said: “Our Q3 performance is reflective of our ongoing transformation, as we continue to reshape our strategy and optimise our business for the long-term. With disciplined cost management and operational efficiency supporting the stability of our core business, we remain focused on enhancing our organisation’s agility, positioning ourselves for steady and sustainable growth.“
(Inputs from WAM)
