Dubai Commercial Bank has announced its impressive financial results for the fiscal year ending December 31, 2025, reporting a pre-tax net profit of AED 3.84 billion, reflecting a 15.6% increase from the previous year. The bank’s post-tax net profit also rose to AED 3.5 billion, marking an annual growth of 15.5%.
In the final quarter of 2025, the bank achieved a record pre-tax profit of AED 1 billion, which showcases its robust performance and sustainability. Additionally, the bank reported a return on equity (ROE) of 22.15% after tax, up by 75 basis points.
Dr. Bernd van Linder, CEO of Dubai Commercial Bank, stated that achieving growth in net profits for 22 consecutive quarters and recording net loans exceeding AED 100 billion are significant milestones, reflecting the bank’s strong fundamentals. He highlighted the consistent results over the past five years, despite global challenges, which demonstrate the effectiveness of the bank’s strategy to foster sustainable growth and create long-term value for all stakeholders. He further noted that the fiscal year 2025 results underscore a disciplined and high-quality execution approach, with continued focus on customer service and the advancement of comprehensive digital transformation while empowering national talents.
The strong performance of Dubai Commercial Bank in the fiscal year 2025 was driven by sustained lending momentum, enhanced customer engagement, and a robust domestic operating environment. The bank’s operating income rose by 7.8% in comparison to the fiscal year 2024, reaching AED 5,919 million, attributed to a 9.3% increase in net interest income fueled by significant growth in loans, savings accounts, and current accounts, alongside a 4.5% rise in non-funded income.
Operating expenses amounted to AED 1,554 million, representing an increase of 10.8%, as the bank continued to invest in digital transformation, technology, governance, and regulatory compliance. The cost-to-income ratio remained strong at 26.25%, reflecting disciplined operational efficiency as the bank further enhanced its capabilities and developmental initiatives.
As of December 31, 2025, the bank’s total assets were AED 160.3 billion, marking a 14.4% increase from AED 140.2 billion at the end of 2024. The total loans and advances rose by 7.2% to AED 105.4 billion, with net loans and advances increasing by 8.6% to AED 101 billion. Customer deposits also experienced a 14.1% surge, reaching AED 111.4 billion, with low-cost savings and current account balances making up 49% of total deposits. The loan-to-deposit ratio improved to 90.75%, while the loan-to-stable resources ratio stood at 83.14%, significantly below the regulatory limit set by the UAE Central Bank, indicating a strong and prudent liquidity position.
The quality of Dubai Commercial Bank’s assets continued to improve throughout 2025, as the non-performing loans ratio declined to 3.58% from 4.35% at the end of 2024. The bank’s capital position remained solid, with a capital adequacy ratio of 15.52%, a Tier 1 ratio of 14.39%, and a core Tier 1 capital ratio of 12.54%, all exceeding the minimum regulatory requirements.
Dubai Commercial Bank has accelerated its transformation agenda, leveraging digital technologies and partnerships to enhance customer experiences across all sectors. The bank achieved its highest net score on the SME satisfaction index in over three years, supported by improvements in onboarding processes and service delivery.