Commercial Bank International's Q3 2025: Impressive Profit and Deposit Growth

Post by : Bianca Suleiman

Commercial Bank International PJSC (CBI) showcased strong financial performance for the first nine months of 2025, reflecting solid growth and operational strength within a challenging banking landscape.

The institution reported a pre-tax profit of AED 109 million for this period, with Q3 2025 contributing AED 16 million. Net operating income held steady at AED 524 million, showcasing effective management of revenue and costs.

Net interest income surged by 15% year-on-year, increasing from AED 253 million in 2024 to AED 291 million in 2025. This growth stemmed from efficient asset-liability management and a bolstered Current and Savings Account (CASA) composition, elevating net interest margins (NIM) from 2.18% to 2.36% over the year.

Customer deposits rose by 4%, moving from AED 15.2 billion at the end of September 2024 to AED 15.8 billion by the end of September 2025. The enhancement in the deposit mix, particularly a stronger CASA ratio, allowed the bank to adopt a sound funding strategy. Concurrently, the loan-to-deposit ratio improved to 81%, enhancing liquidity and setting a robust ground for future lending activities.

The capital adequacy ratio also showed improvement, advancing from 15.8% to 17.7%, which mirrors a more robust equity position and effective risk management strategies.

With consistent profitability, strengthened funding, and a solid capital base, CBI illustrates its resilience and stability in the UAE banking sector and is well-positioned for sustained growth in the future.