Supporting our customers, people and the UAE community

Annual Report 2022

His HighnessHis Highness

Sheikh Mohammed Bin Zayed

Sheikh Mohammed Bin Rashid

Al Nahyan

Al Maktoum

President of the United Arab Emirates

Vice President and Prime Minister of the

and Ruler of Abu Dhabi

United Arab Emirates and Ruler of Dubai

ii

CBI • 2022 ANNUAL REPORT

His HighnessHis Highness

Sheikh Saud Bin Saqr Al Qasimi

Sheikh Mohammed Bin Saud

Supreme Council Member

Bin Saqr Al Qasimi

and Ruler of Ras Al Khaimah

Crown Prince of Ras Al Khaimah

1

2

CBI • 2022 ANNUAL REPORT

Contents

Financial Highlights

6

hairman Message

8

EO Message

12

Board of Directors & Executive Management

17

Our Strategy

18

Business Review

22

Metaverse Case Study

28

Our People

30

Corporate Governance

34

Sustainability Report

56

Financial Statements and Notes

88

3

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Disclaimer

Commercial Bank International PSC published this content on 07 February 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 08 February 2023 11:47:43 UTC.