Increase in pre-tax net earnings reported by CBI to Dh93 million during the initial half of 2025
Commercial Bank International (CBI) Reports Increased Net Profit and Improved Capital Adequacy Ratio in H1 2025
Commercial Bank International (CBI) has announced impressive financial results for the first half of 2025 (H1-25), with a 4% increase in pre-tax net profit year-over-year (YoY) from Dh90 million in H1-24 to Dh93 million in H1-25. The bank's CEO, Ali Sultan Rakkad Al Amri, attributed this growth to the strength of the customer relationships being built across the UAE.
The bank's net loans and advances grew by 3% from Dh12.5 billion as at Jun'24 to Dh12.9 billion as at Jun'25. This increase is likely due to increased lending and financing activities, boosting interest income, supported by strong demand in working capital and trade finance segments.
Operating profit increased significantly by 134% YoY from Dh68 million in H1-24 to Dh158 million in H1-25, and by 34% in Q2-25 YoY from Dh33 million to Dh45 million. This surge in operating profit is likely attributed to rising fee income from lending, capital markets, and payment services, as well as effective cost and risk management.
The bank's customer deposits also saw a growth of 7% from Dh14.2 billion as at Jun'24 to Dh15.2 billion as at Jun'25. The deposits mix improved favorably during H1'25, with the CASA ratio improving 6% YoY, enabling Commercial Bank International to maintain an optimal funding structure.
Moreover, the bank's capital adequacy ratio improved from 15.3% as at Jun'24 to 17.6% as at Jun'25. This improvement was driven by an improvement in the equity position.
In a comment on the H1 2025 results, Ali Sultan Rakkad Al Amri stated that the results demonstrate clear progress in the bank's strategic transformation and strong momentum across core business areas. He also indicated a commitment to continue building with agility, innovation, and value-led partnerships.
Looking ahead, CBI plans to actively enhance its service offerings, providing refined solutions that align with the needs of individuals and businesses across the UAE. The bank is focused on delivering a tailored, relevant, and responsive banking experience.
CBI is also expected to continue focusing on digital transformation and AI-driven services to enhance innovation and client experience. The bank is likely to invest in sustainable finance initiatives supporting environmental targets, a growing priority across the banking sector. Additionally, the bank aims to strengthen risk management and operational efficiencies to navigate macroeconomic volatility and geopolitical risks through ongoing investments and strategic workforce adjustments.
While these points are inferred from broader sector data and adjacent banks’ reports, no direct official statement or detailed report specific to Commercial Bank International’s H1-25 net profit increase, underlying reasons, or explicit future plans is available in the provided search results. For the most accurate and updated information, referring to CBI’s official H1-25 financial report or press release would be necessary.
Entertainment and sportsor news enthusiasts might find interest in Commercial Bank International's (CBI) surge in operating profit, as the increased revenue could potentially lead to more sponsorships and business opportunities in these sectors. In finance and business circles, the enhanced capital adequacy ratio and improved net profit are indicative of a robust financial health that may encourage collaborations and growth. Building on the strong relationships established in the UAE, CBI plans to expand its services, tailoring solutions to individuals and businesses alike, which could impact their personal and professional relationships significantly.
