Central Bank of the United Arab Emirates (CB U.A.E.)

The Central Bank of the United Arab Emirates CB. U.A.E. was established in 1973 and its main responsibility is to formulate and implement policies related to banking, ...

List of Regulated Companies

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Organization Profile

Type of organization: government agency
Institutional introduction: The main responsibility of the Central Bank is to formulate and implement relevant banking, credit and monetary policies to ensure the growth of the UAE national economy in a sound manner. The central bank is also working to maintain a fixed exchange rate of the dirham against the US dollar and ensure that the domestic currency is freely convertible into foreign currencies. In addition, it acts as a "bank of banks", government banks and financial advisors to banks.

Licence application

I. Application requirements
The financial investment company should be a legal person with a minimum capital requirement of Dh1 million (Dh25 million for an investment company), and the state's shareholding should not be less than 51% of the paid-in capital. Applicants should complete the application form prepared by the UAE Central Bank and attach the following documents:
(1) A statement indicating the nature and scope of the investment business that the applicant will engage in. In addition, the statement should indicate future business development plans and details of business management arrangements.
(2) Submit the founder's name, address, nationality and shareholding ratio, attach the company's articles of association and memorandum certification, as well as a copy of the passport of the foreign founder and a copy of the family list of the founder of the country.
(3) The applicant's organizational chart, the resumes of key personnel, and the bank credit information of foreign partners and key management personnel.
(4) Guarantee to comply with the various laws and regulations of the Central Bank of the United Arab Emirates and ensure that the corresponding records and documents are prepared for the supervision, review and inspection of the Central Bank of the United Arab Emirates.
2. Application Duration
After the UAE Central Bank Board of Directors makes a decision, it will notify the applicant in writing of the result of the license application within 30 days.

License Type

Type of license
Financial Investment CompanyFinancial Investment Company
The license is valid for 3 years, which shall not exceed the business period specified in the articles of association of the legal person or other similar documents.
Investment company business scope
(1) Open investment accounts and manage investment portfolios on behalf of individuals or companies;
(2) Preparation of projects, market allocation and stock feasibility studies for joint stock companies;
(3) Establish and/or manage investment trust funds;
(4) Establish and/or manage other investment funds and manage trust funds on behalf of beneficiaries;
(5) Subscribing company capital and participating in syndicated loans;

Regulatory Rules

Regulatory Requirements
(1) The paid-in capital of banks and financial investment companies shall not be less than 1 million dirhams, and the paid-in capital of investment companies shall not be less than 25 million dirhams;
(2) State ownership shall not be less than 51% of the total paid-in capital;
(3) The majority of the elected or legally appointed board members of the investment company shall be UAE nationals, including the chairman;
(4) The founding members, managers and auditors of the investment company shall meet the personal integrity and professional qualification requirements set by the UAE Central Bank.
Capital Adequacy Requirements
(1) Before September 30, 2009, all banks should raise their capital adequacy ratio to 11%, of which the proportion of Tier 1 capital should not be less than 7%;
(2) Before June 30, 2010, all banks shall raise their capital adequacy ratio to 12%, of which the proportion of Tier 1 capital shall not be less than 8%;
These percentage requirements are provisional and will be re-examined in early 2011 to determine their continued implementation.
Cash Reserve Requirements
(1) require savings banks to increase the ratio of cash reserve requirements for (current) short-term lending accounts and similar accounts, from 6% and 8% to 14%, to take into account the instability of these accounts;
(2) Reduce the cash reserve requirement ratio of time deposits, regardless of the deposit amount and term, from 5%, 3% and 2% to 1%, in line with the UAE Central Bank's strategy of continuing to encourage long-term deposits.
This calculation method has been implemented since January 1, 2000.

Regulatory Inquiries

The first step: First, open the official website of CB U.A.E., the central bank of the United Arab Emirates:, the picture shows the homepage of the official website of CB U.A.E.

Step 2: Click "Financial Institutions" (financial institutions) in the menu bar at the top of the web page, and find "Financial Investment Companies" in the drop-down list, and click "List of Financial Investment Companies operating in" the UAE” (list of UAE financial investment companies).

Step 3: In this document, you can find the information you need.

Regulatory complaints

Complaint Process
When there is a disagreement, the customer should first directly communicate and negotiate with the institution to complain. If the negotiation fails, the customer can complain to the Central Bank of the UAE in the following ways:
(1) Online submission. Fill out the complaint form, including the customer's personal details, the complained institution's information, the category and content of the complaint, etc.;
(2) Submit by fax. Send a fax to 971 2 6916004;
(3) Submit in person. Customers can also go to UAE Central Bank branches in Al Ain, Dubai, Sharjah, Ras Al Khaimah or Fujairah to submit complaints in person.
Upon receipt of a complaint, the UAE Central Bank assigns a reference number, which customers must provide when inquiring about the progress of the complaint. Following the decision, the Central Bank of the UAE will notify the complainant via email or SMS.
Consumer Protection Department
Toll free consultation: 800 CBUAE (800 22823)
Fax: 971 2 6916004


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Related Links

International Monetary Fund:
Central Bank of Bahrain:
Central Bank of Kuwait:
Central Bank of Oman:
Qatar Central Bank:
Saudi Central Bank:

Contact information

Address: Abu Dhabi
PO Box: 854
Tel: 9712-6652220
Fax: 9712-6652504
Email: [email protected]

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