Post by : Badri Ariffin

Commercial Bank International PJSC (CBI) has posted solid financial results for the first nine months of 2025, signaling stable growth and operational resilience in a competitive banking environment.

The bank reported a pre-tax profit of AED 109 million for the first nine months, with Q3’25 alone contributing AED 16 million. Net operating income remained steady at AED 524 million, reflecting a balance of consistent revenue streams and cost management.

Net interest income saw a notable increase of 15% year-on-year, rising from AED 253 million in 2024 to AED 291 million in 2025. The growth was supported by efficient balance sheet management and an improved Current and Savings Account (CASA) mix, which lifted net interest margins (NIM) from 2.18% to 2.36% over the year.

Customer deposits grew by 4%, climbing from AED 15.2 billion at the end of September 2024 to AED 15.8 billion at the end of September 2025. The improvement in deposit composition, including a stronger CASA ratio, enabled the bank to maintain an optimal funding structure. Meanwhile, the loan-to-deposit ratio improved to 81%, enhancing liquidity and providing a solid foundation for future lending growth.

Capital adequacy ratio also strengthened, rising from 15.8% to 17.7%, reflecting a healthier equity position and robust risk management practices.

With steady profitability, improved funding, and a strong capital position, CBI continues to demonstrate resilience and stability in the UAE banking sector, positioning itself for sustainable growth in the coming years.

#Business News