Commercial Bank International P.S.C

What Commercial Bank International P.S.C does

Commercial Bank International P.S.C (CBI) is a UAE-based Public Joint Stock Company founded in 1991 and headquartered in Dubai, operating as a mid-tier retail and corporate bank regulated by the Central Bank of the United Arab Emirates. It serves individual customers through tiered segments — CBI Direct (mass retail), Edge (mass affluent), and CBI First (priority banking) — and corporate clients across trading, manufacturing, contracting, real estate, government entities, and financial institutions. Core products span current and savings accounts, fixed deposits, home loans up to AED 15,000,000 with terms to 25 years, personal loans, overdrafts, credit and debit cards (including a CBI First Mastercard), remittances, and insurance, supported by Apple Pay integration. Wholesale banking offers cash management, escrow services, trade and working capital finance, real estate finance, and asset-backed lending.

The bank distributes through a multi-channel architecture: physical branches and ATMs in Dubai and Sharjah, an iOS/Android mobile banking app, an internet banking platform, and a 24/7 telephone banking service. Technology infrastructure includes digital banking platforms and, as of October 2025, a wholly-owned innovation subsidiary called CBIx focused on AI, tokenized assets, Web3, and fintech ventures, alongside Banking-as-a-Service (BaaS) open banking APIs aligned with UAE regulatory sandboxes.

CBI's revenue model combines traditional bank interest income (net interest margin on loans, overdrafts, and credit), fee-based services (transactions, account management, remittances), deposit-funded current and savings accounts, and emerging licensing income from BaaS partnerships. GTM is dual-motion: sales-led retail acquisition through branches, the mobile app, and internet banking with dedicated relationship managers for priority tiers, complemented by enterprise field sales for corporate and wholesale banking. The firm employs 501–1,000 staff across its UAE footprint and publishes investor relations materials, though specific revenue figures were not available in the provided sources.

Name

Commercial Bank International P.S.C

Legal name

Commercial Bank International P.J.S.C

Website

https://cbiuae.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Commercial Bank International P.S.C is a UAE-regulated mid-tier bank serving retail, priority, corporate, and government clients through branches, digital channels, and a 2025-launched innovation subsidiary (CBIx) exploring AI, tokenized assets, and fintech.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Digital Retail Banking (Online & Mobile) (FSABAAAF), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Corporate banking solutions
• Home loan financing
• Digital banking channels
• Wholesale banking services

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional bank interest revenue from home loans, personal loans, credit cards, and overdraft facilities. Home loans up to AED 15,000,000 with competitive fixed and variable rates.
2. Fee-Based Services: Transaction fees, account management fees, credit card fees, remittance charges, and other banking service charges.
3. Current and Savings Accounts: Revenue from current account services and savings products including high-interest savings accounts and fixed deposits.
4. Banking-as-a-Service (BaaS): Open banking APIs enabling fintech partnerships and digital finance services in alignment with UAE regulatory sandboxes.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Commercial Bank International (CBI) is a UAE-based bank providing retail and corporate banking services. The bank offers personal banking products (accounts, home loans, credit cards, savings, remittances, insurance, overdraft), priority banking (CBI First), mass affluent banking (Edge), corporate banking (cash management, trade finance, working capital), and wholesale banking for large corporates. Digital channels include mobile app, internet banking, telephone banking, and Apple Pay integration. CBIx innovation subsidiary focuses on AI, tokenized assets, Web3, and fintech.

Product overview

Commercial Bank International P.S.C (CBI) offers a comprehensive banking portfolio organized into distinct segments: Personal Banking (CBI Direct Universal Account, Cards, Loans, Savings, Accounts, Remittance, Insurance), Priority Banking (CBI First with dedicated accounts, mortgages, loans, insurance and Mastercard), Mass Affluent Banking (Edge), Corporate Banking (Corporate Solutions, Wholesale Banking), and Innovation Banking (CBIx subsidiary). Digital channels include Mobile Banking App and Internet Banking. The bank operates under Central Bank of UAE regulation, serving retail, priority, and corporate customers through branch, digital, and telephone banking networks.

Differentiator

Problem solved

Functional benefit

Brands

• CBIx: Subsidiary dedicated to fostering innovation and ventures in digital finance, exploring AI, tokenized assets, Web3, and fintech technologies
• CBI First
• Edge
• CBI Direct

Products and services

• CBI Direct Universal Account Basic personal banking account designed for simple, accessible everyday banking with easy account opening, secure banking experience, salary/income transfers up to AED 5,000, no minimum balance requirement, and a 5-day cooling-off period. Targeted at individual UAE residents seeking everyday banking services.
• Home Loans Residential property financing for salaried individuals and business owners with competitive fixed and variable interest rates, loan amounts up to AED 15,000,000, repayment terms up to 25 years, free property insurance included, and zero processing fees for buyout applications. Interest rates currently range from 3.5% to 9% per annum depending on product, balance, and tenure, based on EIBOR plus margin.
• Home Loan Saver Savings account linked to home loans offering 2% p.a. interest with special savings rates that last as long as the home loan, with no minimum or maximum balance requirement. Designed for home loan customers to offset interest costs through savings.
• Cards Credit and debit card products including CBI First Mastercard with World Mastercard privileges. Cards support Apple Pay integration for contactless mobile payments using iPhone, iPad, Apple Watch, and Mac devices, with secure authentication via Touch ID, Face ID, or passcode.
• Savings and Fixed Deposits Savings accounts and fixed deposit products including CBI Saver with high-interest rates for growing savings over time. Targeted at individual customers seeking capital preservation and growth through interest-bearing deposits.
• Remittance International and domestic money transfer services enabling peer-to-peer fund transfers within UAE and globally. Free online remittances available for priority banking customers.
• Insurance Insurance products including life insurance to safeguard family wellbeing, offered through personal and CBI First priority banking channels. Targeted at individual customers seeking protection and financial planning products.
• Overdraft Overdraft facility providing account holders with short-term credit access beyond their account balance. Targeted at individual customers needing flexible credit access.
• Corporate Banking Comprehensive banking services for corporate clients including cash management, escrow services, trade and working capital solutions, real estate finance, and asset-backed lending. Dedicated expertise in trading, services, manufacturing, contracting, real estate, government entities, and financial institutions. Targeted at UAE businesses across multiple sectors.
• Wholesale Banking Specialized wholesale banking services including cash management and escrow services, trade and working capital solutions, real estate finance, and asset-backed lending. Targeted at large corporate clients, government entities, and financial institutions requiring large-scale banking facilities.
• Mobile Banking App Full-featured mobile banking application for iOS and Android enabling customers to manage accounts, perform transactions, make payments, and control card settings on smartphones and tablets. Available on the Apple App Store and Google Play Store.
• Internet Banking Online banking platform allowing customers to manage accounts, transfer funds, pay bills, and access banking services via web browser. Available to personal and corporate customers.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• Apple PaycoreTechnology or IntegrationCBI has integrated Apple Pay for its credit card holders, enabling contactless mobile payments through Apple devices including iPhone, iPad, Apple Watch, and Mac. The integration provides secure payment authentication using Touch ID, Face ID, or passcode.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• RAKBank: UAE retail and SME-focused commercial bank. Highly comparable to CBI's mass-market retail and SME lending orientation, with a similar mid-tier positioning relative to top UAE banks.
• Commercial Bank of Dubai (CBD): Dubai-based commercial bank providing personal, priority, and corporate banking services. Directly comparable to CBI given similar Dubai-centric footprint, retail/corporate segmentation, and product portfolio.
• Dubai Islamic Bank (DIB): Largest Islamic bank in the UAE offering Sharia-compliant retail and corporate banking. Comparable to CBI in serving the UAE retail/corporate market, though differentiated by Islamic banking structure.
• Mashreq Bank: UAE-headquartered full-service commercial bank offering retail, priority, and corporate banking with strong digital channels. Closely comparable to CBI in product mix and UAE retail/corporate customer base, though materially larger.

Broad incumbents

• Abu Dhabi Commercial Bank (ADCB): Major UAE commercial bank offering retail, priority, and corporate banking. Comparable to CBI's product set though with substantially larger balance sheet and broader geographic footprint.
• First Abu Dhabi Bank (FAB): UAE's largest bank by assets with retail, wholesale, and investment banking across the UAE and globally. Comparable to CBI in product scope but at vastly larger scale and broader geographic reach.
• Emirates NBD: Largest banking group in the UAE by assets, offering retail, priority, private, corporate, and Islamic banking plus brokerage. Overlaps broadly with CBI's full-service franchise but at significantly greater scale.

Regional players

• Sharjah Islamic Bank: Sharjah-headquartered Islamic bank serving the UAE with retail and corporate banking. Comparable to CBI in offering UAE retail/corporate banking with Sharjah exposure, differentiated by Islamic structure.
• Ajman Bank: Smaller UAE Islamic bank offering retail, SME, and corporate banking. Comparable in scale and mid-tier positioning to CBI, primarily serving the northern emirates.
• National Bank of Umm Al-Qaiwain (NBQ): Small UAE commercial bank serving retail and corporate customers across the country. Closely comparable to CBI as a smaller UAE bank with similar mass-market and corporate offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xfacebook.com/CBIconnect
• Facebookfacebook.com/CBIconnect
• LinkedInlinkedin.com/company/commercial-bank-international
• Instagraminstagram.com/cbiconnect

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Commercial Bank International P.S.C