Abu dhabi: Commercial Bank International PJSC (CBI) (ADX Symbol: CBI; ISIN: AEC000101019) has released its financial results for the third quarter of 2025, reporting a pre-tax profit of AED 109 million for the first nine months and AED 16 million for Q3'25.

According to Emirates News Agency, the bank's net operating income remained stable at AED 524 million. CBI experienced a 15% year-on-year increase in net interest income, rising from AED 253 million to AED 291 million. This growth was attributed to efficient balance sheet management and an improved Current Account Savings Account (CASA) mix, which led to an increase in net interest margins from 2.18% at the end of September 2024 to 2.36% at the end of September 2025.

Customer deposits saw a growth of 4%, increasing from AED 15.2 billion as of September 30, 2024, to AED 15.8 billion by September 30, 2025. The deposit composition strengthened favorably throughout the year, with the CASA ratio improving by 5% year-on-year. This enhancement enabled CBI to maintain an optimal funding structure, with the loan-to-deposit ratio improving to 81%, thereby enhancing the bank's liquidity position.

The capital adequacy ratio also witnessed an improvement, rising from 15.8% as of September 30, 2024, to 17.7% as of September 30, 2025, driven by an improvement in the equity position. Ali Sultan Rakkad Al Amri, CEO of Commercial Bank International, commented on the results, stating that the Q3 performance reflects the bank's ongoing transformation. He emphasized the importance of disciplined cost management and operational efficiency in supporting the stability of the core business, as CBI remains focused on enhancing organizational agility and positioning itself for steady and sustainable growth.