Commercial Bank of Dubai (CBD), one of the UAE’s leading financial institutions, today announced its financial results for the nine months ended 30 September 2025, delivering record performance underpinned by strong income growth, cost discipline and continued improvement in asset quality.
CBD reported its highest-ever profit in Q3 2025, marking 21 consecutive quarters of net-profit growth, a performance unmatched across the UAE banking sector. For the nine-month period, net profit increased 15.6% year-on-year, reaching AED 2,832 million before tax, underscoring the bank’s disciplined execution and continued focus on sustainable profitability.
Total assets continued to expand as net loans surpassed AED 100 billion for the first time in the bank’s history. This growth was supported by a 13.6% rise in customer deposits, reflecting strong liquidity and continued customer trust. Profitability remained robust, with return on equity reaching 22.3%, underscoring CBD’s efficient capital deployment and continued earnings momentum.
Asset quality also improved significantly, with the Non-Performing Loan (NPL) ratio declining to a record low of 3.5% and Cost of Risk falling by 47%, reflecting prudent risk management and a well-diversified portfolio. Together, these gains reinforced CBD’s ability to sustain growth while maintaining solid credit standards.
Dr. Bernd van Linder, Chief Executive Officer of Commercial Bank of Dubai, commented: “CBD’s record results for the third quarter reaffirm the strength and resilience of our business. We continue to execute our strategy with discipline, growing our business responsibly while enhancing the customer experience through customer-centred innovation. Crossing the AED 100 billion mark in net loans is a defining milestone that underscores the trust our customers place in us. Achieving 21 straight quarters of net-profit growth is equally remarkable, a testament to the consistency and dedication of our people.”
He added: “Our transformation journey remains focused on making everyday banking effortless. As we look ahead, CBD will remain firmly aligned with the UAE’s vision to build a knowledge-based, competitive and sustainable economy, driving long-term growth for our customers and communities.”
Earlier this month, CBD joined global industry leaders at SIBOS 2025 in Frankfurt to discuss the opportunities and challenges shaping the future of banking, from cross-border and real-time payments to digital assets and innovation partnerships, aimed at building faster, more secure, and more connected financial systems.
CBD enters the final quarter of 2025 with strong momentum, a solid balance sheet and a clear commitment to innovation, customer trust and sustainable value creation.
