CBD fundamentals.
▸ Extracted from the filings themselves — every figure links to the exact page it came from. Latest validated period: 2026-03-31.
Balance sheet
as of 2026-03-31| Investment securities, net | AED 21,027,719,000 | p.4 |
| Investment in an associate | AED 127,923,000 | p.4 |
| Loans and advances and Islamic financing, net | AED 102,055,036,000 | p.4 |
| Positive mark to market value of derivatives | AED 485,448,000 | p.4 |
| Bankers acceptances | AED 9,004,683,000 | p.4 |
| Cash and balances with Central Bank | AED 15,913,303,000 | p.4 |
| Due from banks, net | AED 5,954,380,000 | p.4 |
| Investment properties | AED 173,700,000 | p.4 |
| Property and equipment | AED 970,992,000 | p.4 |
| Other assets, net | AED 2,208,808,000 | p.4 |
| total_assets | AED 157,921,992,000 | p.4 |
| Due to banks | AED 8,632,839,000 | p.4 |
| Customer deposits and Islamic customer deposits | AED 109,633,067,000 | p.4 |
| Notes and medium term borrowings | AED 8,982,724,000 | p.4 |
| Negative mark to market value of derivatives | AED 358,764,000 | p.4 |
| Due for trade acceptances | AED 9,004,683,000 | p.4 |
| Other liabilities | AED 2,994,442,000 | p.4 |
| total_liabilities | AED 139,606,519,000 | p.4 |
| Share capital | AED 2,985,192,000 | p.4 |
| Tier 1 capital notes | AED 2,203,800,000 | p.4 |
| Legal and statutory reserve | AED 1,492,596,000 | p.4 |
| General reserve | AED 1,328,025,000 | p.4 |
| Capital reserve | AED 38,638,000 | p.4 |
| Fair value reserve | AED -472,498,000 | p.4 |
| Retained earnings | AED 10,739,720,000 | p.4 |
| total_equity | AED 18,315,473,000 | p.4 |
| total_liabilities_and_equity | AED 157,921,992,000 | p.4 |
Cash flow
as of 2025-12-31| Profit for the year before income tax expense | AED 3,844,149,000 | p.13 |
| Depreciation and amortisation | AED 94,608,000 | p.13 |
| Amortisation of discount on investments | AED -275,352,000 | p.13 |
| (Gain) / loss on foreign exchange translation | AED -29,476,000 | p.13 |
| Realised gains on sale of investments | AED -145,344,000 | p.13 |
| Net unrealised losses / (gains) on derivatives | AED 48,204,000 | p.13 |
| Revaluation (gain) / loss on investment properties | AED -5,225,000 | p.13 |
| Other operating income | AED -22,391,000 | p.13 |
| Dividend income | AED -10,107,000 | p.13 |
| (Reversal) / impairment allowance on investment securities | AED -725,000 | p.13 |
| Impairment allowance on loans and advances and Islamic financing | AED 698,723,000 | p.13 |
| Impairment allowance on due from banks | AED 7,881,000 | p.13 |
| Impairment allowance on other assets | AED 718,000 | p.13 |
| Impairment allowance on financial guarantees and other commitments | AED 3,957,000 | p.13 |
| Increase in due from banks with original maturity of more than three months | AED -327,405,000 | p.13 |
| Increase in loans and advances and Islamic financing | AED -8,699,100,000 | p.13 |
| (Increase) / decrease in other assets | AED -271,247,000 | p.13 |
| Increase / (decrease) in due to banks | AED 1,218,489,000 | p.13 |
| Increase in customer deposits and Islamic customer deposits | AED 13,789,573,000 | p.13 |
| Increase in other liabilities | AED 75,043,000 | p.13 |
| Taxes Paid | AED -296,014,000 | p.13 |
| ocf | AED 9,698,959,000 | p.13 |
| Purchase of investments | AED -24,770,168,000 | p.13 |
| Proceeds from sale and matured investments | AED 19,644,906,000 | p.13 |
| capex | AED -372,828,000 | p.13 |
| Dividend income received | AED 23,280,000 | p.13 |
| Net cash flow (used in) / generated from investing activities | AED -5,474,810,000 | p.13 |
| Issuance of notes and medium term borrowings | AED 2,064,561,000 | p.13 |
| Interest on Tier 1 capital notes | AED -132,228,000 | p.13 |
| dividends_paid | AED -1,514,686,000 | p.13 |
| Net cash flow generated from / (used in) financing activities | AED 417,647,000 | p.13 |
| Net increase in cash and cash equivalents | AED 4,641,796,000 | p.13 |
| Cash and cash equivalents at 1 January | AED 17,779,657,000 | p.13 |
| Cash and cash equivalents at end of the year | AED 22,421,453,000 | p.13 |
| Interest income and income from Islamic financing received | AED 7,488,839,000 | p.13 |
| Interest expense and distributions to Islamic depositors paid | AED 3,524,206,000 | p.13 |
Income statement
as of 2025-12-31| Interest income | AED 6,854,240,000 | p.10 |
| interest_expense | AED -2,932,070,000 | p.10 |
| Net interest income | AED 3,922,170,000 | p.10 |
| Income from Islamic financing | AED 802,295,000 | p.10 |
| Distribution on Islamic deposits | AED -573,209,000 | p.10 |
| Net income from Islamic financing | AED 229,086,000 | p.10 |
| Total net interest income and net income from Islamic financing | AED 4,151,256,000 | p.10 |
| Fees and commission income | AED 1,683,946,000 | p.10 |
| Fees and commission expense | AED -512,547,000 | p.10 |
| Net fees and commission income | AED 1,171,399,000 | p.10 |
| Other operating income | AED 596,645,000 | p.10 |
| total_operating_income | AED 5,919,300,000 | p.10 |
| Operating expenses | AED -1,554,048,000 | p.10 |
| Operating profit before impairment | AED 4,365,252,000 | p.10 |
| Net impairment loss | AED -521,103,000 | p.10 |
| Profit for the year before income tax expense | AED 3,844,149,000 | p.10 |
| Income tax expense | AED -344,047,000 | p.10 |
| net_income | AED 3,500,102,000 | p.10 |
| net_income | AED 3,500,102,000 | p.11 |
| Realised loss on sale of equity investments held at fair value through other comprehensive income | AED -7,828,000 | p.11 |
| Net change in fair value of equity investments (or instruments) at fair value through other comprehensive income | AED 3,153,000 | p.11 |
| Actuarial gain on retirement benefits obligations | AED 1,671,000 | p.11 |
| Tax related | AED 270,000 | p.11 |
| Changes in fair value reserve of property | AED -27,030,000 | p.11 |
| Changes in fair value reserve of an associate | AED -1,383,000 | p.11 |
| Net amount transferred (or reclassified) to profit or loss on debt investments (or instruments) at fair value through other comprehensive income | AED -58,787,000 | p.11 |
| Net change in fair value of debt investments (or instruments) at fair value through other comprehensive income | AED 257,367,000 | p.11 |
| Tax related | AED -22,762,000 | p.11 |
| Other comprehensive income for the year, net of tax | AED 144,671,000 | p.11 |
| Total comprehensive income for the year | AED 3,644,773,000 | p.11 |