Total assets increased 14.4% to AED 160bn
This is a record unmatched by any other bank in the UAE over the same period and surpassing a historic milestone with net loans of over AED 100bn, supporting the growth of UAE individuals and businesses.
CBD recorded net profit before tax of AED 3,844mn, an increase of 15.6% compared to the prior year, while net profit after tax rose to AED 3.5bn, up 15.5% year-on-year. The Bank achieved a record net profit before tax of AED 1bn in Q4-2025, underscoring its strength and consistency of performance. The Bank also achieved a top-tier return on equity (ROE) of 22.15% after tax, an increase of 75 bps.
“We achieved consistent results over the past five years, despite global headwinds, demonstrating the strength of our strategy to drive sustained growth and long-term value creation for all our stakeholders,” stated Dr. Bernd van Linder, Chief Executive Officer, CBD.
Lending momentum
CBD’s strong FY2025 results were driven by sustained lending momentum, enhanced customer engagement, and a strong national operating environment. The Bank’s operating income increased 7.8% over FY2024 to AED 5,919mn.
Operating expenses were AED 1,554mn up 10.8% as the Bank continued to invest in digitisation, technology, governance and regulatory compliance.
In December 2025, CBD became the first bank in the UAE to completely activate Open Finance at scale, establishing CBD as a market leader in this initiative and reinforcing our role as an early adopter of next-generation financial infrastructure.
