COMM BK OF DUBAICC

COMM BK OF DUBAI

7.47AEDD
+0.32+4.48%
Last update at Mar 28, 07:21 GMT
AED
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CBD fundamentals

Key facts

Market capitalization‪22.30 B‬AED
Founded1969
CEOBernardus van Linder
Websitecbd.ae
About

Commercial Bank of Dubai engages in the provision of commercial banking services. It operates through the following segments: Institutional Banking, Corporate Banking, Personal Banking, Trading and Other. The Institutional Banking segment includes loan and other credit facilities, deposits, trade finance products, and e-commerce solutions to institutional clients. The Corporate Banking segment offers loans, working capital financing, trade finance, and deposits products to corporate clients. The Personal Banking segment consists of current accounts, easy access saving accounts, fixed rate deposit accounts, personal loans, overdraft facilities, vehicle finance, mortgage products, loans, and other credit facilities to small business and retail clients. The Trading and Other segment undertakes balance sheet management deals and manages the group’s proprietary investment portfolio. The company was founded on July 3, 1969 and is headquartered in Dubai, United Arab Emirates.

Ownership
‪‪2.99 B‬‬
Closely held shares
‪‪1.82 B‬‬ (60.93%)
Free Float shares
‪‪1.17 B‬‬ (39.07%)
Closely held shares
‪‪1.82 B‬‬ (60.93%)
Free Float shares
‪‪1.17 B‬‬ (39.07%)
Capital structure
Market cap
‪‪22.30 B‬‬
Debt
‪‪17.24 B‬‬
Cash & equivalents
‪‪16.94 B‬‬
Enterprise value
‪‪22.60 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪22.30 B‬‬
Price to earning ratio (P/E)
7.37x
Price to sales ratio (P/S)
2.23x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
7.37x
Price to sales ratio (P/S)
2.23x
Valuation ratios
‪0.00‬
‪0.60‬
‪1.20‬
‪1.80‬
‪2.40‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪2.00‬
‪4.00‬
‪6.00‬
‪8.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪25.0%‬
‪26.5%‬
‪28.0%‬
‪29.5%‬
‪31.0%‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪700.00 M‬‬
‪‪1.40 B‬‬
‪‪2.10 B‬‬
‪‪2.80 B‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪600.00 M‬‬
‪‪1.20 B‬‬
‪‪1.80 B‬‬
‪‪2.40 B‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪600.00 M‬‬
‪‪1.20 B‬‬
‪‪1.80 B‬‬
‪‪2.40 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Corporate Banking
Personal Banking
Institutional Banking
Trading & Other
By country
Period: 2024
United Arab Emirates

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪400.00 M‬‬
‪‪800.00 M‬‬
‪‪1.20 B‬‬
‪‪1.60 B‬‬
Actual
Estimate
Earnings
Next:Apr 23, 2025
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪0.07‬
‪0.14‬
‪0.21‬
‪0.28‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
52.28%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
5.94%
Last payment
0.507
Last ex-date
Mar 14, 2025
Dividend history
‪5%‬
‪6%‬
‪7%‬
‪8%‬
‪9%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.13‬
‪0.26‬
‪0.39‬
‪0.52‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪‪−35.00 B‬‬
‪0.00‬
‪‪35.00 B‬‬
‪‪70.00 B‬‬
‪‪105.00 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪4.50‬
‪9.00‬
‪13.50‬
‪18.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio