Commercial Bank of Dubai Q3 Profit Hits Record AED 2.83B, Up 15.6%
The rise was driven by higher income, tighter cost management, and improved asset quality.
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[Image source: Chetan Jha/MITSMR Middle East]
The Commercial Bank of Dubai (CBD) has reported a record profit for the third quarter of 2025, marking its 21st consecutive quarter of growth, one of the longest runs in the UAE banking sector.
When compared with the same period last year, the bank’s net profit for the first nine months of the year rose 15.6% to AED 2.83 billion. The increase was driven by higher income, tighter cost management, and improved asset quality.
CBD’s net loans crossed AED 100 billion for the first time, supported by steady credit demand and business expansion. Customer deposits grew by 13.6%, strengthening liquidity, while return on equity reached 22.3%, reflecting strong profitability and efficient use of capital.
The asset quality continued to improve, with the non-performing loan ratio falling to 3.5%, its lowest to date. The cost of risk dropped by 47%, highlighting careful risk management and a diversified lending portfolio.
“CBD’s record results reaffirm the strength and resilience of our business,” shared Bernd van Linder, CEO of Commercial Bank of Dubai. “Crossing the AED 100 billion mark in net loans is a major milestone that reflects customer confidence. Achieving 21 consecutive quarters of profit growth demonstrates the dedication and consistency of our team.”
Van Linder said the bank remains focused on simplifying everyday banking as part of its transformation journey, while aligning with the UAE’s vision of building a knowledge-based and sustainable economy.
Earlier in October, CBD participated in SIBOS 2025 in Frankfurt, where industry leaders discussed the future of banking, including cross-border payments, digital assets, and innovation partnerships.
The bank affirmed its entry into the final quarter of the year with a strong balance sheet, solid earnings momentum, and a continued focus on innovation and long-term growth.
