Commercial Bank International P.S.C. (ADX:CBI)

ADX:CBI Income Statement

Financials in millions AED. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,012	1,083	1,036	700.35	562.48	707.73
Interest Paid on Deposits	629.96	738.97	680.35	302.55	186.41	290.13
Net Interest Income	381.56	344	355.24	397.8	376.08	417.6
Net Interest Income Growth (YoY)	14.09%	-3.17%	-10.70%	5.78%	-9.94%	-11.78%
Gain (Loss) on Sale of Assets	155.11	190.2	7.87	12.28	30.02	-
Gain (Loss) on Sale of Investments	0.52	20.33	32.04	72.47	77.76	127.52
Gain (Loss) on Sale of Equity Investments	1.1	-0.39	-	-	-	-
Other Non-Interest Income	160.07	149.1	148.39	120.26	146.8	195.01
Total Non-Interest Income	316.81	359.24	188.3	205.01	254.57	322.52
Non-Interest Income Growth (YoY)	-1.33%	90.77%	-8.15%	-19.47%	-21.07%	4.16%
Revenues Before Loan Losses	698.36	703.23	543.55	602.81	630.65	740.12
Provision for Loan Losses	238.07	102.77	53.66	126.69	198.02	399.83
Revenue	460.3	600.46	489.89	476.12	432.63	340.29
Revenue Growth (YoY)	-29.76%	22.57%	2.89%	10.05%	27.13%	-31.64%
Salaries and Employee Benefits	254.23	254.23	237.35	213.77	177.3	152.41
Occupancy Expenses	60.61	60.61	58.4	46.21	50.44	49.38
Amortization of Goodwill & Intangibles	-	-	-	13.67	18.29	17.18
Selling, General & Administrative	67.17	62.83	53.34	43.62	47.61	37.27
Other Non-Interest Expense	0.95	0.95	-23.28	10.67	7.17	45.24
Total Non-Interest Expense	382.96	378.62	325.82	327.94	300.81	306.8
EBT Excluding Unusual Items	77.33	221.85	164.07	148.18	131.82	33.49
Asset Writedown	0.81	0.81	6.57	2.29	-1.27	0.19
Pretax Income	78.14	222.65	170.64	150.47	130.56	33.68
Income Tax Expense	8.3	20.8	-	-	-	-
Earnings From Continuing Operations	69.84	201.86	170.64	150.47	130.56	33.68
Minority Interest in Earnings	1	-0.68	-16.72	-33.23	-8.78	-61.01
Net Income	70.84	201.18	153.92	117.24	121.78	-27.34
Preferred Dividends & Other Adjustments	27.52	27.52	-	-	-	-
Net Income to Common	43.32	173.66	153.92	117.24	121.78	-27.34
Net Income Growth	-72.72%	30.70%	31.29%	-3.73%	-	-
Basic Shares Outstanding	1,737	1,737	1,737	1,737	1,737	1,737
Diluted Shares Outstanding	1,737	1,737	1,737	1,737	1,737	1,737
EPS (Basic)	0.02	0.10	0.09	0.07	0.07	-0.02
EPS (Diluted)	0.02	0.10	0.09	0.07	0.07	-0.02
EPS Growth	-83.32%	12.82%	31.29%	-3.73%	-	-
Effective Tax Rate	10.62%	9.34%	-	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.