Central Operations manages the operational and processing support for the Bank. Central Operations provides support for the Bank to comply with the procedural and governance requirements ensuring fast and efficient transactions to deliver extra-ordinary services to customers. CBD Central Operations plans and manages the operational and processing support necessary to comply with the Bank's procedural and compliance requirements ensuring fast and efficient transactions to deliver excellent service to the Bank's customers. Cash management services back office. Preparing the quarterly and yearly financials. Preparing monthly and quarterly Central Bank returns. Presenting the financials to Dubai Financial Market, Shareholders and any external users. Maintaining the accounting policies of the bank in line with IFRS and in accordance to the guidelines set by regulatory authorities such as Central Bank, ESCA and DFM. Maintaining the share register. Reporting on actual vs. Preparation of monthly reports to Management. Maintain the General Ledger and Subsidiary Ledgers.

Preparing the budget for the bank. Preparation of monthly MIS reports to business units. Disbursing staff salaries and benefits. Reconciling the Nostro Accounts. Booking the expenses, accruals, depreciation and provisions. CBD Administration is involved in the planning and implementing of various services related to the Bank's property management, office premises, maintenance of buildings infrastructure and office maintenance. All this is managed to strict cost budgets, statutory compliance requirements and CBD's policies. Business Continuity is the activity performed by the Bank to ensure that critical business functions will be available to customers, suppliers, regulators, and other entities that must have access to those functions. Business Continuity is not something implemented at the time of a disaster; the foundation of Business Continuity are the standards, programme development, supporting policies; guidelines, and procedures needed to ensure the Bank will continue without stoppage, irrespective of the adverse circumstances or events. All system designs, implementation, support, and maintenance must be based on this foundation in order to have any hope of achieving Business Continuity.

As the corporate world is changing, many incidents have threatened its credibility and safety, introducing more stringent regulation has become a must. In order to remain in business, we must fulfill all our legal and regulatory obligations and focus on compliance with it. Responsibility for compliance realizes on each & every one of us to reflect that our organization as a whole is complaint. This means that we all need to be aware of the policies and procedures relevant to our role and comply with it. At CBD, Consumer Credit is basically provided to individuals to purchase goods or services that are meant for consumption. Common forms of consumer credit include personal loans, auto finance, credit cards, and mortgages loans. The Bank lends to a customer based on the creditworthiness and repaying capacity of the customer which depends on the customer's salary and/or other income assigned to the Bank. CBD's Corporate Credit is engaged in extending financial facilities mainly to local business entities for CBD wellness formula carrying out their business activities such as production, manufacturing, trading, services, project finance, etc. in order to enable them to sustain/develop their businesses.

Normally, corporate credit is extended by way of Working Capital (such as Overdrafts, Trust Receipts loans, cheques/bills discounting etc.), Letters of Credit (LCs), Letters of Guarantees (LGs) and also Term loans, etc. Generally, such corporate credit is extended based on the financial statements, cash flows, business projections and other credit considerations. CBD Financial Services (CBDFS) provides added value services to our customers by trading equities on our customers' behalf, within strict guidelines and adhering to Emirates Securities and Commodities Authority (ESCA) brokerage policy. Human Resources are responsible for ensuring that people initiatives align with CBD business objectives. HR is also responsible for producing various staff management information to assist CBD in taking the right decisions. CBD Information Technology defines and implements the IT strategy, providing guidance, expertise and resources for the cost-effective implementation, support and maintenance of our IT infrastructure. CBD uses IT applications to provide great service to customers and to manage and maintain the business.

CBD wellness formula Internal Audit ensures that the Bank's potential risks are minimized, security and control guidelines are strictly adhered to and that appropriate checks and balances exist in work processes to ensure compliance. This is achieved by conducting regular audits in branches and head office departments and is usually followed by recommendations for improvement. It is also Audit’s role to keep up to date with changes to guidelines and directives issued by Government and Central Bank. Investment Group plays two roles at CBD, first; it conceptualises and manufactures adapted investment related products and services to support the bank’s targeted client segments, namely the mass affluent 'personal plus' and the "Al Dana" segments, also the upper Al Dana "private banking" segments. The investment products and services increase the attraction of clients in those segments to Balance Bloom CBD Gummies by offering a comprehensive wealth management solution to complement the other banking services. Investment group also plays a key role in supporting the distribution channels, providing continuous specialist support to the relationship managers of the 3 main focus segments.