Main revenue sectors:

• Corporate financing
• Retail banking
• Investment banking

TOP 3 markets and their percentage shares:

1. United Arab Emirates: approx. 70%
2. Saudi Arabia: approx. 15%
3. Kuwait: approx. 10%

The Commercial Bank of Dubai generates the majority of its revenue from the United Arab Emirates, which is attributed to its strong market presence and extensive network in the region. Besides the domestic market, Saudi Arabia and Kuwait are significant markets supported by strategic partnerships and a growing demand for financial services in these countries.

Production of Products: Not applicable

The Commercial Bank of Dubai PSC (CBD) is a financial institution and not a manufacturing company. Therefore, it does not produce physical products. Instead, the bank offers a variety of financial services including account management, loans, investments, and asset management.

As a bank, CBD is primarily focused on providing financial solutions to its customers in the United Arab Emirates and beyond. Therefore, its "products" are intangible and relate to financial services.

Strategy for Future Growth:

1. Digitization and Focus on Technology
2. Expansion of the Loan Portfolio
3. Sustainability Initiatives

The Commercial Bank of Dubai PSC is strongly focusing on digitization to make its services more efficient and customer-friendly. By investing in modern technologies and digital platforms, the bank aims to strengthen its market position and attract new customer segments.

Another key focus is on expanding the loan portfolio, especially in the areas of corporate finance and real estate. This is intended to be achieved through targeted risk assessment and tailored financial products.

In addition, the bank is pursuing sustainability initiatives to take on ecological and social responsibility. This includes investments in green projects as well as the integration of ESG criteria (Environmental, Social, Governance) into its business strategy.

Sorry, but I do not have specific information on which commodities or materials Commercial Bank of Dubai PSC imports, as banks typically do not import commodities or materials. Banks are financial institutions that offer financial services such as loans, deposits, and investments.

If you are looking for information on trade finance or support for import-export businesses by the bank, such data may be found in the bank's annual reports or industry analyses.

Return on Equity (ROE): 14.5% (2024)
Cost-Income Ratio: 28.7% (2024)
Market Share in the Banking Sector of the UAE: approximately 4% (2024)

The Commercial Bank of Dubai (CBD) has a solid competitive advantage, reflected in a high Return on Equity (ROE) of 14.5%. This indicator suggests that the company is efficient in utilizing its capital to generate profits.

The Cost-Income Ratio of 28.7% is also remarkably low, indicating high operational efficiency. This means that the bank effectively controls its operating expenses in relation to its income, giving it an advantage over less efficient competitors.

With a market share of about 4% in the banking sector of the United Arab Emirates, CBD is a significant player benefiting from the stable economic situation and growth potential of the region. Its strong market position is supported by innovative digital services and a wide range of products, which enhance customer retention and acquisition.

Institutional Investor Share: 45% (estimated for 2025)

Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share in Commercial Bank of Dubai PSC is estimated to be around 45%. This high share indicates a strong trust from institutional investors in the bank, which is often associated with stable earnings and a solid market position.

In 2024, there were no significant insider buys or sells, which could suggest a stable internal assessment of the company's value. Such transactions are often seen as indicators of management's confidence in the bank's future development.

Market share of Commercial Bank of Dubai PSC: Estimate 4-5% (2025)

Main competitors and their market share:

1. Emirates NBD: Estimate 20-25%
2. First Abu Dhabi Bank (FAB): Estimate 15-20%
3. Abu Dhabi Commercial Bank (ADCB): Estimate 10-15%
4. Dubai Islamic Bank: Estimate 8-12%
5. Mashreq Bank: Estimate 5-8%

Moat of Commercial Bank of Dubai PSC:

The Commercial Bank of Dubai (CBD) has a moderate moat, mainly supported by its strong regional presence and customer loyalty in Dubai. Its strategic focus on digital transformation and innovative financial services has helped it to compete in a highly competitive market.

Compared to larger competitors like Emirates NBD and FAB, which have more extensive resources and a broader international network, CBD's moat is less pronounced. These larger banks benefit from a stronger capital base, a more comprehensive product offering, and a wider geographical reach.

However, CBD can score points through its agility and specialized services in niche markets, giving it a certain competitive advantage. Nevertheless, competition remains intense, and the larger banks tend to have a stronger moat due to their economies of scale and market positioning.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity (ROE): 14.7% (2024) Customer Deposit Growth: 7.3% (2024)

In 2024, the Commercial Bank of Dubai PSC recorded a solid revenue growth of 8.5%, indicating strong operational performance and an effective market strategy. The profit growth of 10.2% shows that the company was able to increase its profitability, suggesting efficient cost control and possibly an improved interest margin.

The return on equity of 14.7% is an indicator of effective use of equity to generate profits and is at the upper end of the industry. This suggests that the company is well positioned to continue creating value for its shareholders.

The 7.3% growth in customer deposits shows customer confidence in the bank and provides a solid foundation for future lending and expansions.

Overall, these metrics indicate that the Commercial Bank of Dubai PSC has a stable financial base and is well positioned to achieve future growth. This could make it an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend yield: 4.5% (2024)
Dividend history: Continuous payout over the last 5 years

In recent years, the Commercial Bank of Dubai PSC has paid a stable dividend. In 2024, the dividend yield was 4.5%, indicating an attractive payout policy.

The bank has consistently distributed dividends over the past five years, indicating a reliable dividend policy. This stability is a positive signal for investors seeking regular returns on their investments.