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Trade Growth Fuels Rising Demand for UAE Logistics Real Estate

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April 2026

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The global economy faces a critical test. As geopolitical

tensions push energy prices beyond USD 120 per barrel

and global trade slows to 1.5%, investors retreat toward

defensive positioning. Yet the UAE presents a different trajectory.

This month’s cover story examines how the UAE is

reengineering its capital framework amid global volatility.

An AED 1 trillion financial resilience package, a diversified

economy where non-oil sectors represent 75% of GDP,

and a regulatory system prioritizing institutional strength

enable sustained growth even as uncertainty deepens.

What distinguishes the UAE is not merely weathering the

storm – it is using this recalibration to strengthen its financial

architecture. Regulatory restructuring, emphasis on capital

efficiency, and technology integration reflect a deliberate

shift toward disciplined, long-term economic development.

In an era where policy consistency attracts institutional capital,

the UAE’s “We the UAE 2031” vision and balanced fiscal

approach provide the visibility that long-term investors seek. The

country is designing a framework that attracts quality capital

for sustainable value creation, not simply reacting to volatility.

This edition explores how this framework operates across

financial institutions, real estate, fintech ecosystems, and global

capital hubs – demonstrating that resilience is no longer about

size or access. It is about direction, discipline, and design.

In volatile times, clarity becomes the most valuable asset.

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April 2026 www.thefinanceworld.com 5

Contents April

2026

COVER STORY

INFOGRAPHIC

P60 | UAE Travel & Visa Snapshot Early

2026

Visa-Free Entry Expands to Key European

Markets

INTERVIEW

P24 | United Together

Growth Through Coordinated Strength

FINTECH

P10 | Building Digital Sovereignty: UAE Unveils

Sovereign Financial Cloud Infrastructure

UAE Advances Digital Sovereignty with Secure Financial Cloud

Infrastructure to Strengthen Innovation and Financial Resilience

6 www.thefinanceworld.com April 2026

P34 | How Geopolitics Is Reshaping UAE

Lending

Manoj Sureka on Risk Recalibration, Selective

Lending, and the New Geopolitics of Credit in the

UAE

WHEELS

TRADE FINANCE

P64 | Genesis GV90

The Future of Luxury Electric SUVs

INTERVIEW

P30 | Credit Risk Is Back in Focus:

Why Trade Finance Insurance Demand

Is Rising

Rising Credit Risks in Global Trade are Driving

Demand for Trade Finance Insurance Across the

UAE

TECHNOLOGY

P22 | The Postgraduate Paradigm Shift: Why Knowledge Is P56 | Esports And Digital Competition:

No Longer Enough

The UAE’s New Arena for Youth Engagement

Abdullah Mohammed Alshamsi on How Postgraduate Education Is

Evolving Beyond Knowledge Toward Skills, Flexibility, and AI-Driven

Learning


GROW YOUR

BUSINESS

We make Short / Long Term

Investments in Growing Businesses

info@wasayainvestments.com

www.wasayainvestments.com

Fintech

Source: Ai generated

The UAE strengthens digital finance with sovereign cloud infrastructure supporting secure banking and fintech innovation

Building Digital

Sovereignty: UAE Unveils

Sovereign Financial

Cloud Infrastructure

UAE Advances Digital Sovereignty with Secure

Financial Cloud Infrastructure to Strengthen

Innovation and Financial Resilience

The United Arab Emirates is strengthening

its position as a global digital finance

hub through the development of sovereign

financial cloud infrastructure. As

financial institutions increasingly rely on

cloud computing, artificial intelligence,

and advanced analytics, the need for secure,

locally governed digital systems has

become critical. The UAE’s sovereign financial

cloud aims to ensure that sensitive

financial data remains protected under

national regulatory frameworks while enabling

innovation across the banking and

fintech ecosystem. By combining advanced

cloud technology with strict security, the

initiative reflects the country’s broader

commitment to digital sovereignty and

the creation of a future-ready financial

services environment.


The United Arab Emirates has

taken a significant step toward

strengthening its digital and financial

resilience with the launch of the

world’s first sovereign financial cloud

services infrastructure. Announced

by the Central Bank of the UAE in

partnership with Core42, the initiative

represents a major milestone in the

country’s financial infrastructure transformation.

Designed specifically for the

financial sector, the new platform aims

to enhance data sovereignty, cybersecurity,

and operational efficiency while

supporting the rapid digitalization of

financial services.

As financial institutions increasingly

rely on cloud computing, artificial

intelligence, and advanced analytics,

governments around the world are

seeking ways to maintain control over

critical digital infrastructure. The UAE’s

sovereign financial cloud reflects this

global shift toward “digital sovereignty,”

where countries aim to ensure that

sensitive data and financial systems

remain governed by national laws and

regulatory frameworks. By creating a

dedicated cloud ecosystem for banks

and financial institutions, the UAE is

positioning itself at the forefront of

secure and innovative digital finance.

A Strategic Move Toward Financial

Digital Sovereignty

Digital sovereignty has become a

central theme in the global technology

landscape. Nations are recognising

that cloud infrastructure and data

governance are as critical as traditional

physical infrastructure such as ports,

energy networks, and telecommunications

systems.

The UAE’s Sovereign Financial Cloud

Services Infrastructure (SFCSI) has

been designed to address this strategic

priority. Built on a centralized and

isolated architecture, the platform

ensures that financial data remains

within a secure national framework

while meeting strict regulatory and

compliance requirements.

The initiative forms part of the Central

Bank’s broader Financial Infrastructure

Transformation program, which aims

to modernise the country’s financial

ecosystem and strengthen its position

as a global financial hub. The infrastructure

is engineered to support

the entire financial sector, including

banks, fintech firms, and other licensed

Strengthening digital

infrastructure and

advanced technologies

is essential to building a

resilient and future-ready

financial ecosystem in the

UAE.”

H.E. Mohamed Bin Hadi Al Hussaini, Minister

of State for Financial Affairs, UAE

financial institutions.

By embedding governance, regulatory

oversight, and advanced cybersecurity

measures directly into the platform,

the sovereign cloud provides a secure

digital backbone for the UAE’s financial

services industry.

AI-Powered Financial Infrastructure

A defining feature of the new sovereign

cloud platform is its integration

of artificial intelligence and advanced

analytics. These technologies enable

financial institutions to automate processes,

analyze large volumes of data in

real time, and improve decision-making

across their operations.

AI-driven capabilities within the

infrastructure allow banks and financial

organizations to deploy intelligent

automation, enhance fraud detection,

and optimize risk management frameworks.

Real-time data analysis also

enables financial institutions to identify

trends more quickly and deliver more

personalized services to customers.

The system is designed to support

a unified multi-cloud management

environment, allowing institutions

to manage different cloud services

within a single secure framework. This

approach combines the flexibility of

multi-cloud technology with the security

and regulatory oversight required for

financial systems.

Such capabilities are increasingly

essential as financial services become

more data-driven. Digital banking, embedded

finance, and blockchain-based

payments are generating vast volumes

of information that require advanced

infrastructure for secure processing

and analysis.

Strengthening Cybersecurity and

Financial Resilience

Cybersecurity has become one of the

most critical challenges facing financial

systems worldwide. As financial institutions

expand their digital services, they

also become more exposed to cyber

threats and operational disruptions.

The sovereign financial cloud infrastructure

has been designed with a

strong focus on security and resilience.

Its isolated architecture helps protect

sensitive financial data while ensuring

the continuous availability of critical

financial services across the sector.

The platform also enables enhanced

monitoring and real-time oversight of

financial infrastructure. This capability

allows regulators and institutions

to respond quickly to potential risks,

reducing the likelihood of large-scale

disruptions.

Recent events across global cloud

infrastructure have highlighted the

importance of resilient digital systems

and countries are prioritizing sovereign

infrastructure that provides greater

control over security and operational

continuity. For the UAE, building a

sovereign financial cloud is therefore

not only a technological upgrade but

also a strategic measure to safeguard

national financial stability. By combining

secure cloud architecture, and

national regulatory oversight, the

initiative strengthens the country’s

financial resilience. As financial systems

worldwide become increasingly

digital, the UAE’s approach to building

sovereign financial infrastructure

highlights the growing importance of

data control, cybersecurity, and technological

independence in shaping the

future of global finance.


Funding and Investment News

Muzinich & Co Expands Middle East Footprint With ADGM Office Launch

Muzinich & Co, a global specialist

in corporate credit,

has established a new office

in Abu Dhabi Global Market (ADGM),

reinforcing its strategic expansion

across the Middle East. The move

formalises the firm’s long-standing

regional engagement and aligns with

its approach of building strong local

partnerships within evolving financial

ecosystems. Positioned in one of the

fastest-growing international financial

centres, the office enables Muzinich

to better serve institutional investors

seeking opportunities in fixed income

and private credit. Additionally, the

expansion reflects rising demand for

diversified investment solutions as

regional capital markets continue to

mature. Led by senior leadership, the

new presence strengthens the firm’s

ability to deepen relationships across

the Gulf and support long-term investment

strategies, while contributing to

Abu Dhabi’s growing status as a global

hub for capital and financial services.

ADGM Marks 10 Years With 36% Growth in Assets

Under Management

Abu Dhabi Global Market (ADGM)

has completed a decade of operations,

reporting strong growth

across key performance indicators

and reinforcing its global financial

positioning. Assets under management

increased by 36% in 2025, reflecting

sustained investor confidence in Abu

Dhabi as a reliable hub for asset and

wealth management. Alongside this,

the financial centre expanded its ecosystem

significantly, with the number

of asset and fund managers rising to

171, collectively overseeing 244 funds.

ADGM also recorded a sharp rise in

business activity, issuing thousands

of new licences and surpassing 12,000

active licences overall. Workforce

growth remained robust, increasing by

over 50% year-on-year. These milestones

highlight ADGM’s continued ability to

attract global capital, institutions, and

talent, strengthening its ambition to

rank among the world’s leading international

financial centres.

Blackstone commits USD 250M to Boost UAE

payments infrastructure platform

Blackstone Inc. has invested USD

250 million in an Abu Dhabi-based

payments and data intelligence

platform, signaling strong confidence

in the UAE’s fintech ecosystem despite

ongoing geopolitical uncertainty. The

investment supports Advanced Digital

Gaming Technology (ADGT), a newly

launched platform dedicated to providing

payments and compliance solutions

for regulated digital markets. Established

in collaboration with Raya Holding, NRT

Technology, and Sightline Payments, ADGT

facilitates seamless transactions across

land-based venues and online operators.

The platform integrates digital wallets,

real-time payment systems, and compliance

tools within a single, unified infrastructure,

while also supporting cross-border

scalability and adapting to evolving

regulatory frameworks. This strategic

move underscores Blackstone’s focus

on high-growth markets and reinforces

the UAE’s status as a regional hub for

advanced financial technology innovation

and digital finance solutions.

EGF invests AED 45M in

CarniStore to grow UAE

protein market

Emirates Growth Fund (EGF) has

invested AED45 million in CarniStore,

marking its first entry into the

food sector and reinforcing support for

high-growth UAE businesses. The strategic

minority investment aims to accelerate

CarniStore’s expansion, scale operations,

and strengthen its position within the premium

protein segment. Founded in 2018,

the company blends traditional butchery

expertise with a digital-first retail model

spanning meat, seafood, and poultry. The

funding will support industrial scaling,

product diversification, and entry into new

verticals, while enhancing governance

and operational capabilities. EGF will

work closely with the founders to drive

long-term value creation and institutional

readiness. The move aligns with broader

efforts to build “national champions” and

highlights rising investor confidence in

the UAE’s premium, locally rooted food

and beverage sector.


GCC Sovereign Funds

Join Global AI

Investment Consortium

Led by the U.S.

Sovereign wealth funds from the GCC,

alongside major global investors

such as SoftBank and Temasek,

have joined a US-backed investment

consortium focused on advancing artificial

intelligence infrastructure and

supply chains. The initiative, linked

to the broader Pax Silica program,

aims to channel large-scale capital

into commercially viable AI projects,

including critical infrastructure such as

mineral processing facilities, transport

networks, and energy systems. According

to US officials, the consortium will

prioritise innovation-led policies while

strengthening supply chain resilience

amid rising geopolitical competition,

particularly with China. The United

States is expected to contribute an

initial USD 250M, with the broader

platform potentially mobilising up to

USD 1T in investments.

UAE’s AriseIIP Plans $3B Kenya Investment Drive

UAE-based AriseIIP has announced

plans to invest over $3 billion

in Kenya over the next five

years, targeting industrial expansion

and export-led growth. The investment

will fund the development of three industrial

and export processing zones,

alongside support for a local textiles

company, aligning with Kenya’s strategy

to strengthen manufacturing and job

creation. AriseIIP is expected to contribute

30–40% of the capital through

equity, while the remaining funding will

be raised via debt from development

finance institutions and other lenders.

Additionally, the company plans to

establish an $800 million financing

facility in partnership with regional

financial institutions to attract global

manufacturers into these zones. The

initiative reflects growing foreign investor

confidence in Kenya’s position

as a key industrial and supply chain

hub in East Africa.

Sharjah Islamic Bank Plans $705M Capital Raise

Through Rights Issue

Sharjah Islamic Bank has announced

plans to raise approximately

$705mln through a rights

issue aimed at strengthening its capital

base and supporting future growth.

The proposed issuance forms part of

the bank’s broader strategy to enhance

financial resilience, expand operations,

and meet evolving regulatory

requirements. Proceeds from the offering

will be used to reinforce its balance

sheet while enabling continued

investment in core banking activities

and digital transformation initiatives.

The capital increase will be executed

through the issuance of new shares

to existing shareholders on a pro-rata

basis, allowing them to maintain

ownership stakes. The move reflects

the bank’s confidence in its long-term

growth trajectory and commitment to

delivering sustainable value to shareholders

while aligning with the UAE’s

dynamic banking sector expansion.

Dubai South Awards $544M

Contract for Hayat Project

Expansion

Dubai South has awarded a

contract worth $544mln for

the development of multiple

phases of its Hayat residential project,

marking a significant milestone in the

community’s expansion. The largescale

master-planned development

spans around 10 million square feet

and is designed to offer a mix of modern

housing options, including townhouses,

villas, apartments, and hotel

residences. Strategically located near

Al Maktoum International Airport, the

project aims to deliver an integrated,

wellness-focused lifestyle supported

by green spaces, retail outlets, and

leisure amenities. Construction is expected

to begin in the second quarter

of 2026, with initial phases scheduled

for completion by 2028. The contract

award reflects sustained investor

demand and reinforces Dubai South’s

positioning as a key residential and investment

hub within Dubai’s long-term

urban development strategy.


Real Estate


Modern warehouses and distribution centres are transforming the UAE into a leading logistics hub

Trade Growth Fuels

Rising Demand for

UAE Logistics Real

Estate

Trade Expansion and E-Commerce Growth are

Driving Unprecedented Demand for Logistics Real

Estate in the UAE

The rapid expansion of global trade and

e-commerce is significantly increasing

demand for logistics real estate across

the United Arab Emirates. Warehouses,

distribution centers, and industrial parks

are becoming critical assets as businesses

seek efficient supply chain networks to

support rising trade volumes. The UAE’s

strategic geographic location and worldclass

logistics infrastructure continue to

attract multinational companies looking

to establish regional distribution hubs.

At the same time, the growth of digital

commerce and faster delivery expectations

are accelerating the need for modern

warehousing facilities. As a result,

logistics real estate is emerging as one

of the fastest-growing segments within

the UAE’s commercial property market.


The rapid expansion of global

trade and e-commerce is driving

unprecedented demand for

logistics real estate across the United

Arab Emirates. Warehouses, distribution

centers, and industrial parks have

become some of the most sought-after

assets in the region’s property market,

reflecting the growing importance of

supply chain infrastructure in supporting

economic growth. As the UAE

strengthens its position as a global trade

hub, logistics real estate is emerging

as a critical pillar of the country’s

commercial property sector.

The UAE’s strategic location between

Asia, Europe, and Africa has long

supported its role as a gateway for

international trade. In recent years,

however, the scale and speed of logistics

activity have increased significantly.

Government investment in infrastructure,

the rise of e-commerce, and the

expansion of regional trade corridors

are all contributing to higher demand

for modern warehousing and distribution

facilities.

Trade Expansion Driving Logistics

Infrastructure

International trade remains one of

the strongest drivers of demand for

logistics real estate in the UAE. The

country’s non-oil foreign trade reached

more than AED3.5T in 2024, reflecting

steady growth in imports, exports, and

reexports across multiple sectors. As

trade volumes expand, the need for

efficient storage, transportation, and

distribution infrastructure continues

to grow.

Ports and airports play a vital role in

this ecosystem. Major facilities such as

Jebel Ali Port and Al Maktoum International

Airport handle large volumes

of cargo each year, serving as key hubs

for global shipping and air freight networks.

The expansion of these logistics

gateways has increased the demand

for nearby industrial properties that

support freight operations.

Free zones are also contributing to

this growth. Industrial and logistics

clusters within areas such as Jebel Ali

Free Zone and Dubai South are attracting

multinational companies seeking

efficient supply chain operations and

access to regional markets. These zones

provide integrated infrastructure that

includes warehousing, manufacturing,

and distribution facilities.

E-Commerce Reshaping Warehousing

Demand

The growth of e-commerce has transformed

the logistics landscape in the

UAE. Online retail sales have expanded

rapidly over the past decade, encouraging

retailers and logistics providers to

invest in advanced fulfillment centers

and last-mile delivery networks.

Consumers now expect faster delivery

times, often within the same day

or next day. Meeting these expectations

requires strategically located

warehouses that can store inventory

close to major urban centers. As a

result, demand for modern logistics

facilities has increased significantly

across Dubai, Abu Dhabi, and other

key cities.

E-commerce companies are increasingly

seeking large automated warehouses

equipped with advanced inventory

management systems and robotics.

These facilities allow businesses to

process orders more efficiently while

reducing operational costs. Logistics

developers are responding by building

Investing in modern

logistics infrastructure is

essential to supporting the

UAE’s trade growth and

positioning the country

as a global supply chain

hub.”

H.E. Dr. Thani Bin Ahmed Al Zeyoudi, Minister

of State for Trade and Industry, UAE

new generation warehouses designed

specifically for digital commerce and

high-volume distribution.

Rising Investment in Industrial

Real Estate

Investor interest in logistics real estate

has increased sharply in recent

years. Industrial and warehouse assets

are increasingly viewed as stable,

income-generating investments supported

by long-term leases and strong

tenant demand.

Institutional investors, private equity

firms, and property developers

are expanding their portfolios in the

logistics sector. This trend reflects a

broader global shift, where industrial

real estate has become one of the fastest-growing

property segments due to

the expansion of global supply chains.

In the UAE, rental rates for high-quality

logistics facilities have been rising

as vacancy levels decline in prime

industrial zones. Limited availability

of modern warehouse space in certain

areas has further intensified demand

among logistics operators and retailers.

Developers are also introducing

large integrated logistics parks that

combine warehousing, office space,

and transport infrastructure. These

developments are designed to support

complex supply chain operations and

accommodate the needs of multinational

companies operating in the region.

Technology Transforming Logistics

Real Estate

Technology is playing a growing role

in shaping the future of logistics real

estate in the UAE. Automated storage

systems, artificial intelligence, and

digital supply chain platforms are

transforming how warehouses operate.

The expansion of global trade and

e-commerce is reshaping the UAE’s

commercial property landscape, with

logistics real estate emerging as one

of the fastest-growing sectors. Rising

demand for modern warehouses, distribution

centers, and integrated logistics

parks reflects the increasing importance

of supply chain infrastructur. With

strong government investment, technological

innovation, and continued

growth in trade volumes, the UAE is

well positioned to strengthen its status

as a leading global logistics hub while

creating new opportunities within the

industrial real estate market.


Real Estate News

Sharjah Real Estate Hits AED 4.6B, up 71.8% in Ramadan

Sharjah’s real estate sector recorded

strong growth during Ramadan

2026, with total transaction value

reaching AED 4.6 billion, up 71.8%

from AED 2.7 billion a year earlier.

The performance reflects sustained

demand across property segments and

reinforces the emirate’s investment

appeal. A total of 7,299 transactions

were recorded, a 45.3% increase from

5,023 in Ramadan 2025, supported by

a stable regulatory environment and

ongoing infrastructure development.

Official data showed activity across

multiple categories, including 3,596

ownership certificates, 2,464 title

deeds, 969 initial sales contracts, and

270 mortgage transactions, highlighting

a balanced market structure across

sales, registration, and financing segments,

underscoring Sharjah’s growing

attractiveness for property investors.

Dubai Real Estate

Services See Strong

Growth in 2025

Dubai real estate transactions total

$5.6 billion in a week, including

a $24M Business Bay apartment

sale. Dubai’s real estate services sector

witnessed strong momentum in 2025,

underpinned by increased activity

across permits, transactions, and

valuation services.

The growth reflects a more structured

and mature market environment,

supported by regulatory frameworks

and rising demand for specialised real

estate services. The number of permits

issued for real estate advertising and

related activities rose to 26,044, marking

a notable year-on-year increase. This

trend highlights the sector’s expanding

marketing ecosystem and the growing

importance of compliant promotional

practices. Digital channels continued to

dominate advertising activity, accounting

for the majority of permits issued.

Strong Investor Confidence in Dubai, Apartment

Sells for $114.9M

An ultra-luxury apartment in

Dubai has been sold off-plan

for AED 422 million ($114.9

million), highlighting continued investor

confidence in the emirate’s

high-end property market despite

current regional developments. The

31,201-square-foot residence is located

at Aman Residences Dubai on the Jumeirah

Peninsula. The transaction was

confirmed by fäm Properties. According

to DXBinteract, a platform developed

The Abu Dhabi Investment Authority

(ADIA) has committed

capital to a new real estate secondaries

platform launched by Ardian,

strengthening the firm’s strategy in the

secondary property investment market.

The Abu Dhabi sovereign wealth fund

is participating through a fully owned

subsidiary, although the financial terms

and size of the commitment have not

been publicly disclosed.

ADIA noted that the present market

landscape, marked by valuation adjustments

and a rising need for liquidity,

has created favourable conditions

and a wider range of opportunities

for investors. In contrast to primary

real estate investments that typically

involve newly developed properties or

fresh project issuances, the secondary

market enables investors to buy and sell

in partnership with the Dubai Land Department,

the deal values the property

at AED 13,525 per square foot. Firas

Al Msaddi, Chief Executive Officer of

fäm Properties, said the transaction

highlights the structural strength of

Dubai’s real estate market. “The sale

of an ultra-luxury villa at this level is

particularly significant in the current

circumstances, underlining that the

Dubai market is structurally stronger

than ever before.

ADIA Invests in Ardian’s Real Estate Secondaries

Platform

interests in existing real estate assets.


Al Arabi Trustees Sets New Benchmark for Emirati Participation in Real Estate

In a strategic move to strengthen

Emirati leadership in the nation’s key

economic sector, Al Arabi Trustees

has launched a landmark initiative to

decentralize and localize real estate

governance. The new Dubai Land Department

(DLD)-authorized Registration

Trustee Office in Al Khawaneej marks a

significant step in empowering national

talent and enhancing ease of doing

business for the Emirati community.

Dubai Residential

REIT Expands Portfolio

with AED 241M Villa

Acquisition

Dubai Residential REIT has expanded

its real estate portfolio

with the acquisition of Garden

View Villas in a transaction valued at

AED 241 million, supporting its strategic

growth in the residential leasing

sector. The addition comprises 56 villas,

strengthening the REIT’s presence

in well-established, family-focused

communities. The development offers

a mix of three- and four-bedroom

units, catering to increasing demand

for spacious, high-quality housing

in Dubai. This move aligns with the

REIT’s broader objective of scaling its

income-generating assets while maintaining

a diversified portfolio across

key residential locations. Demand

for such properties continues to rise,

driven by population growth and lifestyle

preferences favouring suburban

living. The acquisition is expected to

enhance recurring rental income and

provide long-term value for investors,

reinforcing the REIT’s position within

Dubai’s evolving residential real estate

market.

The center was inaugurated by Sheikh

Mohammed Bin Rashid bin Mana Al

Maktoum, highlighting alignment with

Dubai Government’s vision for a future-ready,

inclusive, and transparent

real estate ecosystem. By providing

specialized registration services at Arabian

Center, Al Arabi Trustees ensures

accessible, high-governance hubs that

directly support local investors and

property owners.

Dubai Luxury Property Sales Hit AED 109.2B in March

Dubai’s luxury property market

delivered a strong performance

in March, with developer sales

reaching AED 109.2 billion, underscoring

sustained investor appetite for high-end

real estate. The surge reflects continued

demand from global high-net-worth

individuals, drawn by the emirate’s investor-friendly

policies, tax advantages,

and premium lifestyle offerings. Luxury

developments, particularly waterfront and

branded residences, remain key drivers

of this momentum, while off-plan projects

continue to attract significant interest.

The market’s resilience is further supported

by Dubai’s strategic positioning

as a global investment hub and its stable

economic environment. Developers have

capitalised on this demand by launching

upscale projects tailored to evolving

buyer preferences, including smart and

sustainable homes. The strong March

figures reinforce Dubai’s standing as

Arada has completed five additional

apartment blocks in the Naseej

District, the creative heart of

Sharjah’s Aljada megacommunity, further

expanding its residential inventory. The

newly delivered Sokoon buildings add

to the growing number of completed

homes, supporting the development’s

vision as an integrated, lifestyle-focused

destination. Designed to foster a vibrant

and culturally rich environment, Naseej

District combines modern living spaces

with creative and educational facilities.

The apartments feature contemporary

layouts and smart home technology,

catering to evolving urban living preferences.

This milestone underscores

one of the world’s most dynamic and

attractive luxury property markets.

Arada Delivers Five More Apartment Blocks in

Aljada’s Creative Hub

Arada’s consistent progress in delivering

one of Sharjah’s largest mixed-use projects.

As Aljada evolves, the community

continues to attract residents seeking a

balanced mix of residential, retail, and

leisure offerings.


Infographic

UAE ISSUES

Electronic Invoicing

Guidelines Ahead of

National Rollout:

Latest Updates

The United Arab Emirates has formally released its national Electronic Invoicing Guidelines (Version 1.0, 23 February

2026), ushering in a landmark phase in its digital taxation and financial infrastructure transformation. This comprehensive

framework, issued by the Ministry of Finance of the UAE in coordination with the Federal Tax Authority, provides the regulatory,

technical, and operational contours of the forthcoming mandatory e-invoicing regime that will form the backbone

of business reporting and compliance across the UAE.

Official Electronic Invoicing Guidelines:

A prescriptive reference document explaining

scope, definitions, obligations,

exclusions, format standards, and the

phased implementation approach.

What the February 2026 Updates Include

Considerations for Selecting an Accredited

Service Provider (ASP):

Guidance to help businesses evaluate

and choose compliant integration partners

critical for e-invoice exchange and

reporting.

Mandatory Field Specifications:

A precise list of required data elements

that every electronic invoice must contain

under the new system.

These publications mark a major milestone

in transitioning from conceptual

policy to detailed execution, clarifying

both legal requirements and practical

expectations for businesses operating

or transacting in the UAE.

Why This Matters

The e-invoicing framework standardizes how invoices are created, exchanged, validated, and archived using structured electronic

formats rather than traditional PDFs or paper copies. It aligns the UAE with global digital tax practices while strengthening

transparency, auditability, and data accuracy.


Pilot Phase Starting 1 July 2026:

Early adopters and selected participants

begin live testing.

Key Timeline Highlights

Mandatory Rollout for Large Businesses

(≥ AED 50 million revenue):

Effective 1 January 2027, with service

provider appointment deadlines ahead.

Phased Expansion Through 2027:

Smaller businesses and government

entities follow staggered deadlines up

to 1 October 2027.

Practical Impacts for Businesses

Structured Data Requirement:

Invoices must be issued in machine-readable

formats (e.g., XML) with specified

mandatory fields.

Accredited Service Providers Integral:

E-invoices flow through certified ASPs

that validate and transmit data to the FTA.

Mandatory Compliance:

Non-compliance carries administrative

penalties, emphasizing that e-invoicing

is enforceable and not optional.

Broad Scope:

Applies to virtually all business transactions

in the UAE, including non-resident

entities conducting taxable activities.

What Businesses Should Do Now

Assess ERP and accounting systems for structured invoice generation

Begin early onboarding discussions with accredited service providers

Standardize master data (TRNs, line items, tax codes) ahead of compulsory reporting

Build internal testing, governance, and compliance workflows

The UAE’s electronic invoicing rollout, backed by detailed February 2026 guidelines, represents

both a compliance imperative and a strategic modernisation opportunity for businesses to

enhance operational efficiency, strengthen tax governance, and future-proof their financial

ecosystems.


Legacy Leadership


Family enterprises in the UAE are strengthening succession planning to ensure leadership continuity and long-term growth

Preparing Family

Businesses for the

Next Generation of

Leadership

Preparing UAE Family Businesses for Generational

Leadership Transition Through Governance and

Innovation

Family businesses have played a pivotal

role in shaping the UAE’s economic

landscape, contributing significantly

to private sector growth, employment,

and investment. Many of the country’s

leading enterprises began as family-led

ventures and have expanded into large

regional conglomerates across multiple

industries. As these businesses mature,

the transition of leadership from founders

to the next generation has become increasingly

important. Effective succession

planning, strong governance structures,

and leadership development are essential

to ensure continuity and long-term stability.

By preparing future leaders with

strategic vision, UAE family businesses

can preserve their legacy while adapting

to evolving economic opportunities.


Family businesses form the backbone

of the UAE’s private sector

and play a vital role in driving

economic growth, employment, and

investment. Many of the country’s

most prominent enterprises began as

family-led ventures that evolved into

large regional conglomerates spanning

sectors such as retail, real estate,

construction, and logistics. As these

businesses mature, the transition of

leadership from founders to the next

generation is becoming an increasingly

important priority.

Across the UAE, thousands of family-owned

companies are entering a

new phase of generational change.

Industry estimates suggest that family

businesses account for around 90 percent

of private companies in the UAE

and contribute nearly 60 percent of the

country’s GDP. As founders step back

from operational leadership, preparing

the next generation to lead effectively

has become essential for ensuring

business continuity and long-term

economic stability.

The Urgency of Succession Planning

in the UAE

Succession planning has become one

of the most pressing challenges facing

family enterprises in the UAE. Many

businesses that were established

during the country’s early economic

expansion in the 1970s and 1980s are

now approaching their second or third

generation of leadership.

Despite this reality, a significant

number of family businesses still lack

formal succession plans. Without clear

leadership structures, companies may

face uncertainty, internal disagreements,

or operational disruptions when

founders retire or step aside.

Recognising this challenge, the UAE

government has introduced new policies

aimed at supporting family enterprises.

The UAE Family Business Law,

introduced in 2023, provides a legal

framework designed to strengthen

governance, improve transparency,

and facilitate smoother generational

transitions. The legislation allows

families to establish formal charters,

define ownership structures, and create

mechanisms to resolve disputes.

These initiatives highlight the importance

of succession planning not only

for individual businesses but also for

the broader stability of the national

economy.

Developing the Next Generation

of Leaders

Preparing the next generation for

leadership requires more than simply

transferring ownership. Future leaders

must develop the strategic, financial,

and operational capabilities necessary

to manage complex organisations operating

in competitive global markets.

Many UAE family businesses are

adopting structured leadership development

programs to prepare younger

family members. These programs often

encourage the next generation to gain

experience outside the family enterprise

before joining the business. Working in

international corporations or pursuing

higher education abroad helps future

leaders develop broader perspectives

and professional credibility.

Mentorship also plays a critical role.

Senior family members frequently guide

younger leaders through the organization’s

culture, values, and strategic

priorities. This process ensures that

Family businesses

are a vital pillar of the

UAE’s economy, and

strengthening governance

and succession planning

will ensure their

sustainability across

generations.”

H.E. Abdulla Bin Touq Al Marri, Minister of

Economy, UAE

the company’s legacy and vision are

preserved while allowing the next

generation to introduce fresh ideas.

Gradual leadership transitions are

often the most effective. Allowing

younger executives to take on increasing

levels of responsibility over time

helps build confidence and ensures

continuity across the organisation.

Strengthening Governance and

Professional Management

As family businesses expand, informal

management structures can become

difficult to sustain. Establishing strong

governance frameworks is therefore

essential to maintaining stability and

transparency.

Many UAE family enterprises are

now implementing formal governance

systems that include family councils,

advisory boards, and independent directors.

These structures help separate

family matters from operational decision-making,

ensuring that the business

remains professionally managed.

Professionalization has also become

a key trend. Increasingly, family businesses

are appointing experienced

non-family executives to senior management

roles. This approach allows

organizations to combine family ownership

with professional expertise,

strengthening competitiveness in

fast-evolving industries.

Clear governance structures also

help address potential conflicts among

family members. By defining roles,

responsibilities, and decision-making

processes, businesses can minimize

disputes and maintain operational

stability.

Innovation and Digital

Transformation

The transition to the next generation of

leadership often brings renewed focus

on innovation and technology. Younger

leaders in UAE family businesses are

increasingly driving digital transformation

initiatives aimed at modernizing

traditional operations.

Family businesses have been instrumental

in shaping the UAE’s economic

success, and their continued growth

depends heavily on effective leadership

transitions. Preparing the next

generation requires a combination

of structured succession planning,

leadership development, and strong

governance frameworks.


Interview

The Postgraduate

Paradigm Shift: Why

Knowledge Is No Longer

Enough

Postgraduate (PG) education is entering a period of rapid and structural change.

Driven by rising costs, intensifying global competition, and fast-moving digital technologies,

institutions are being forced to rethink what advanced education is truly

for in today’s economy.

At the same time, students themselves are becoming more selective. Many are

balancing careers, family commitments, and financial pressures, which is increasing

demand for flexible, high-value programs that clearly improve career outcomes. This

is pushing universities to move beyond traditional, campus-bound models toward

more responsive and practical forms of learning.

ification that carries weight in multiple

global markets. It prepares students to

manage projects across different international

contexts, rather than just local ones.

For a university ranked 10th in the Arab

world by Times Higher Education and

first in Dubai, such partnerships further

strengthen academic credibility and reinforce

its position as a globally connected

institution with strong regional impact.

Q: Will digital delivery improve or

fragment the student experience?

While there is a risk of isolation, hybrid

models and global classrooms allow students

to learn from anywhere while continuing

their careers. Flexible pathways

– including block teaching and stackable

credentials – make PG education more

accessible. In the BUiD–Leeds MSc model,

block teaching supported by digital technology

connects students across geogra-

Q: What is the primary catalyst for

the current rethink of postgraduate

education?

The shift is driven by a misalignment between

traditional curricula and the needs

of a world that changes faster than courses

can be updated. Students are now more

selective, often balancing careers, family

commitments, and financial pressures.

They are demanding flexible, high-value

programs that move beyond traditional,

campus-bound models toward more responsive

and practical forms of learning.

This is further reinforced by the growing

expectation that postgraduate education

should deliver clear career outcomes, not

just academic credentials. As a result,

institutions are under increasing pressure

to redesign programs that are more agile,

industry-aligned, and capable of evolving

alongside rapid changes in technology

BUiD’s rise to 10th in

the Arab world and

first in Dubai reflects

a university shaping

the regional agenda

while earning global

recognition.”

and the global economy.

Q: How have employer expectations

evolved regarding advanced degrees?

Subject knowledge alone is no longer the

gold standard. Employers now prioritize

graduates who can solve complex problems,

work across cultures, and adapt

quickly to new tools and environments.

The future of PG education is less about

the accumulation of knowledge and more

about developing core capabilities such

as critical thinking and adaptability.

This reflects a broader shift in the global

workforce, where change is constant and

roles are increasingly interdisciplinary in

nature. As a result, employers are placing

greater value on professionals who can

learn continuously, apply knowledge in

real-time situations, and operate effectively

in uncertain and fast-evolving business

environments.

Q: Why are international partnerships

becoming central to academic

credibility?

Partnerships have shifted from being optional

to central strategic assets. Joint

degrees and co-teaching expose students

to diverse perspectives while aligning

standards across institutions.

A prime example is the British University

in Dubai (BUiD) and University of

Leeds Joint MSc in Project Management.

This model combines UK academic rigor

with regional relevance, offering a qual-

The joint degree with

the University of Leeds

in project management

captures where

postgraduate education

is headed, globally

connected, digitally

flexible, and built for

real-world leadership.”

phies into a single learning experience,

ensuring the program remains coherent

rather than a set of disconnected modules.

This approach also enables greater peer

interaction across regions and industries,

enriching the learning process through

diverse perspectives. At the same time,

it reflects a broader shift in postgraduate

education toward designing delivery models

that balance flexibility with structure,

ensuring accessibility does not come at

the cost of academic continuity or depth.

Q: How is Artificial Intelligence redefining

the classroom and assessment?

AI tools that generate content and analyze

data will fundamentally reshape learning.

However, institutions must now prioritize

AI Literacy – knowing when to rely on

these tools, when to question them, and

how to use them ethically.

Since AI can easily produce answers,


universities are shifting assessment toward

authentic, real-world tasks. Students are

increasingly expected to defend their ideas

orally, present professional portfolios,

and work on live industry projects that

emphasize process and critical thinking

over memorization.

This evolution is also redefining the

role of educators, who are moving from

being primary sources of information to

facilitators of interpretation, judgment,

and applied understanding. In this context,

the classroom becomes less about

content delivery and more about developing

the ability to evaluate, challenge,

and effectively apply AI-generated insights

in professional settings.

Q: What defines the successful postgraduate

program of the future?

The future will be defined by how well

institutions integrate global partnerships,

flexible delivery, and responsible AI use.

In this context, the BUiD–Leeds Joint

MSc in Project Management adds to

the future of postgraduate education by

combining international academic quality,

digital flexibility, and the cross-border

capabilities graduates will need to lead

complex projects in a fast-changing global

economy. The challenge now is to scale

these innovative models while maintaining

quality, trust, and equal opportunity for all.

Abdullah Mohammed

Alshamsi

Vice Chancellor,

The British University in Dubai

(BUiD)


Cover Story

Cover

Story



Cover Story

BEYOND

RESILIENCE:

The UAE’s Sustained Growth Story

As of April 2026, the global economy is navigating a period of transformation

driven by evolving global dynamics, energy shifts, and changing

capital flows. Amid this environment, the United Arab Emirates continues

to demonstrate resilience, adaptability, and strategic clarity, reinforcing

its position as a trusted international economic hub.

While global markets adjust to new realities, the UAE’s approach reflects

a system built not only to withstand change but to move forward with confidence.

Stability here is not incidental – it is the result of coordinated policy,

institutional strength, and a clear long-term vision.

The UAE operates within a framework where policy

clarity and financial strength allow economic

activity to continue with stability, even amid global

shifts.”

Across the global landscape, capital

is becoming more selective, investment

decisions more disciplined, and growth

trajectories more measured. Within this

context, the UAE stands out as a model

of economic resilience and strategic

foresight, where trust is supported by

alignment across government, financial

institutions, and the private sector.

The UAE’s economic response reflects

a deliberate and forward-looking reconfiguration

of its capital and liquidity frameworks.

Regulatory evolution continues

to play a central role, with developments

aimed at enhancing governance, transparency,

and investor confidence.

This direction is supported by a robust

financial resilience framework led by the

Central Bank of the UAE, including a

significant liquidity support program designed

to ensure credit availability and

maintain financial system continuity. The

scale and structure of these measures

highlight a coordinated approach where

liquidity is managed with discipline and

long-term sustainability in mind.

The UAE’s diversified economic base

further reinforces this strength. With non-


The UAE’s economic model reflects a balance of

ambition and discipline–where growth is driven

by vision and sustained through structure.”


Cover Story


oil sectors contributing approximately 75%

of GDP, the economy is well-positioned

to sustain momentum across multiple

industries. This diversification provides

a strong foundation, enabling the country

to balance external pressures while

continuing to drive growth.

UAE Banking and

Financial Sector is

Resilient, Strong, and

Stable.”

H.E. Khaled Mohamed Balama, Governor

of the Central Bank of the UAE

The UAE is not only a destination for

capital – it is a global benchmark for capital

efficiency, governance excellence, and

financial discipline.

The global financial environment is entering

a more structured phase, where

capital allocation is guided by efficiency,

governance, and long-term value. The era

of abundant liquidity is evolving into one

of measured deployment, with investors

prioritising stability, regulatory clarity,

and sustainable returns.

In this environment, capital naturally

gravitates toward markets that offer institutional

strength and policy consistency.

The UAE’s financial ecosystem – anchored

by clear regulation, strong governance,

and access to global markets – positions

it as a preferred destination for long-term

capital allocation.

This shift reinforces the UAE’s role as a

hub where capital is not only deployed, but

also structured, managed, and optimised

within a globally integrated framework.

This structural strength extends across

the financial system.

The UAE’s financial system continues to

demonstrate resilience through proactive

and well-coordinated measures. Rather

than reacting to external developments,

institutions operate within a framework

designed to maintain continuity and confidence.

Liquidity remains well-managed across

the banking sector, supported by strong

capital buffers and prudent risk management

practices. Financial institutions

continue to play an active role in supporting

businesses, particularly SMEs

and supply chain participants, ensuring

that economic activity remains stable and

well-supported.

Leading banks with enhanced operational

flexibility, reflecting a broader

commitment to sustaining momentum

across sectors. This coordinated approach

reinforces confidence across markets

and strengthens the overall financial

ecosystem.

Liquidity in the UAE is increasingly

viewed as a strategic tool, managed with

precision and aligned closely with real

economic activity. Financial institutions

are focusing on efficient allocation, funding

diversification, and disciplined capital

deployment.

The UAE is committed

to fostering global

economic stability.

Our focus remains on

designing innovative

systems that guide our

society and economy

through rapid global

shifts, ensuring we

remain a reliable

partner in a volatile

world.”

For businesses, working capital management

has become central to financial

strategy. Companies are enhancing cash

flow visibility, aligning funding structures

with operational cycles, and strengthening

balance sheets to navigate evolving

market conditions.

Credit allocation remains focused on

financially sound and well-structured entities,

ensuring that capital continues to

support productive sectors while maintaining

system-wide stability. This measured

approach reflects a mature financial

environment where sustainability takes

precedence over short-term expansion.

Across the real economy, sectors are

transitioning into more structured and

sustainable phases. The UAE’s real estate

market is evolving toward a model driven

by long-term value, end-user demand, and

income-generating assets.

The UAE continues to strengthen its

position as a global centre for capital

flows. Financial hubs such as the Dubai

International Financial Centre (DIFC) and

Abu Dhabi Global Market (ADGM) play

a central role in attracting institutional

investors, family offices, and wealth

management platforms.

In a changing global

economy, the UAE

stands as a model of

structured growth and

sustained confidence.”

Growth in assets under management

and the expansion of international financial

institutions reflect increasing longterm

capital allocation within the region.

The UAE is evolving into a destination

where capital is not only deployed, but

also structured and managed.

Supported by regulatory clarity, legal

certainty, and access to global markets,

the UAE remains a key node within international

financial networks.

The UAE’s advanced logistics and

trade infrastructure continues to support

seamless economic activity. Ports,

free zones, and integrated supply chain

networks enable efficient movement of

goods, reinforcing the country’s position

as a global trade hub.

Operational flexibility and diversified

routing strategies ensure continuity across

trade corridors, even as global logistics

systems evolve. This adaptability reflects

a well-coordinated ecosystem that prioritises

efficiency, reliability, and resilience.

The UAE is navigating a dynamic global

environment with clarity, confidence, and

purpose. While conditions continue to

evolve, the country’s strong institutional

framework, disciplined financial management,

and unified national vision provide

a solid foundation for sustained progress.

Across sectors, there is a shared

commitment to continuity, stability, and

growth. Businesses are adapting, financial

institutions are supporting, and capital

continues to flow through structured and

resilient channels.

This alignment reflects more than policy

– it represents a collective strength

that defines the UAE’s position in the

global economy.

The UAE today stands as a symbol of

stability, confidence, and forward momentum.


Trade Finance


Growing international trade is increasing the need for credit protection across the UAE’s export sector

Credit Risk Is Back

in Focus: Why Trade

Finance Insurance

Demand Is Rising

Rising Credit Risks in Global Trade are Driving

Demand for Trade Finance Insurance Across the

UAE

The resurgence of global economic uncertainty

has brought credit risk back into

sharp focus for businesses engaged in

international trade. In the UAE, a major

hub for global commerce and reexports,

companies are increasingly seeking ways

to safeguard transactions and maintain

stable cash flows. Trade finance insurance

is emerging as a critical tool that protects

exporters and suppliers against payment

defaults and political risks. As trade volumes

grow and businesses expand into

new and sometimes higher-risk markets,

demand for credit protection solutions

is rising across the UAE. This shift reflects

a broader effort by companies and

financial institutions to strengthen risk

management while supporting continued

trade growth.


Global trade volatility, supply

chain disruptions, and tightening

financial conditions are

bringing credit risk management back

to the forefront for businesses across

the UAE. Companies engaged in international

trade are increasingly seeking

protection against payment defaults,

delayed settlements, and counterparty

risks. As a result, demand for trade finance

insurance is rising across sectors

such as commodities, manufacturing,

construction, and logistics. In a market

heavily reliant on cross-border

commerce, the UAE’s exporters, importers,

and financial institutions are

turning to credit insurance solutions

to safeguard transactions and maintain

liquidity in an uncertain global economic

environment.

Rising Global Uncertainty Reshapes

Trade Risk

The global trading environment has

become more complex over the past

few years. Geopolitical tensions, shifting

supply chains, and fluctuating

commodity prices are increasing the

financial risks associated with international

trade.

For UAE-based companies that operate

as regional trading hubs, these

uncertainties directly affect payment

reliability and credit exposure. Exporters

frequently extend credit terms

to overseas buyers in order to remain

competitive. While this approach

facilitates trade, it also increases the

risk of delayed payments or defaults.

Trade finance insurance helps mitigate

this exposure by protecting businesses

against non-payment risks. If a

buyer fails to pay due to insolvency, political

instability, or prolonged default,

insurers compensate the seller for the

insured portion of the transaction. This

safety net allows businesses to continue

trading confidently even when dealing

with unfamiliar or high-risk markets.

Growth of Trade Activity in the UAE

The UAE remains one of the world’s

most important re-export and logistics

hubs. Its strategic geographic location

between Asia, Europe, and Africa has

enabled the country to serve as a gateway

for global trade flows.

According to recent government

statistics, the UAE’s non-oil foreign

trade surpassed USD 1 trillion in 2023,

reflecting strong growth in exports,

imports, and re-exports. Dubai alone

handles a significant share of regional

trade through its ports, airports, and

free zones.

As trade volumes expand, financial

exposure naturally increases as well.

Businesses are entering new markets

and working with a broader range of

international buyers and suppliers. This

expansion increases the importance

of risk mitigation tools such as trade

credit insurance.

Banks are also encouraging clients

to adopt insurance-backed trade financing

structures. When transactions

are insured, financial institutions are

more willing to provide working capital

facilities, letters of credit, and export

financing. This strengthens liquidity

for trading companies and supports

continued commercial activity.

Increasing Pressure on Corporate

Liquidity

The current global economic environment

has created additional pressure

on corporate cash flows. High interest

Strengthening risk

management frameworks

is essential to support

sustainable trade growth

and protect businesses

engaged in global

markets.”

H.E. Dr. Thani Bin Ahmed Al Zeyoudi, Minister

of State for Foreign Trade, UAE

rates in many major economies are increasing

borrowing costs and slowing

economic growth in several markets.

When overseas buyers face financial

stress, delayed payments become more

common. For exporters operating on

thin margins, even a single large default

can create significant financial strain.

Trade credit insurance acts as a

financial buffer in these situations.

By protecting accounts receivable, it

allows companies to maintain stable

cash flow and reduce the impact of

unexpected payment disruptions.

For small and medium-sized enterprises

in particular, this protection

can be critical. SMEs often lack the

financial reserves required to absorb

major losses from unpaid invoices.

Insurance solutions therefore enable

smaller exporters to participate in international

trade with greater confidence.

Expanding Role of Insurers in

Trade Finance

The trade finance insurance market in

the UAE has evolved significantly in

recent years. Global insurers, export

credit agencies, and specialised trade

risk providers are expanding their

presence in the region.

These institutions offer a wide range

of coverage options, including whole

turnover policies, single-buyer insurance,

and political risk protection.

Some policies are designed specifically

for exporters operating in emerging

markets where political or economic

instability may increase payment risks.

Technology is also transforming

how trade credit insurance operates.

Digital risk assessment platforms and

data analytics tools allow insurers to

evaluate buyers’ financial stability more

accurately and respond more quickly

to market changes.

For UAE-based businesses that

operate across multiple jurisdictions,

this improved risk visibility is particularly

valuable. Companies can assess

the creditworthiness of international

buyers before entering into large transactions,

reducing exposure to potential

losses. Credit risk management is once

again becoming a priority for businesses

engaged in global trade, and the UAE is

no exception. As companies navigate

economic uncertainty and expand into

new markets, protecting receivables

and ensuring stable cash flow have

become essential.


Banking News

CBUAE Initiatives Reinforce UAE Banking Sector Stability

Recent measures by the Central

Bank of the UAE have strengthened

the resilience and stability

of the financial system, according to

the Group CEO of Abu Dhabi Islamic

Bank. These steps reflect a robust

regulatory framework supported by

strong fundamentals, ample liquidity,

and solid capital across banks. Greater

flexibility ensures financial institutions

can continue lending and support

economic activity despite global and

regional uncertainties. The approach

also boosts confidence among investors

and market participants, reinforcing

the UAE’s position as a stable financial

hub. Overall, the measures help banks

absorb external shocks while maintaining

reliable services and ensuring

the steady functioning of the broader

economy, supporting sustainable growth

in the long term.

CBUAE Foreign Assets

Exceed AED 1.084T by

January 2026 End

The Central Bank of the UAE’s

foreign assets rose to over AED

1.084 trillion at the end of January

2026, up from AED 1.058 trillion a

month earlier, reflecting the continued

strengthening of the UAE’s external

financial position. Most foreign assets

were allocated to investments and deposits

abroad, with AED 740.9 billion

in foreign investments, AED 285.5

billion in current account balances

and deposits with banks abroad, and

AED 58 billion in other foreign assets,

ensuring a diversified portfolio across

liquidity and investment instruments.

The central bank’s total balance sheet

exceeded AED 1.119 trillion during the

period. Liabilities included AED 533.4

billion in current and deposit accounts,

AED 306 billion in monetary bills and

Islamic certificates of deposit, and

AED 177.4 billion in currency notes

and coins issued, highlighting prudent

financial management and continued

stability in the UAE banking system.

UAE Central Bank Approves Emirates NBD’s RBL

Bank Acquisition Deal

RBL Bank announced that Emirates

NBD has secured approval

from the UAE Central Bank for its

proposed purchase of a majority stake

in the Indian lender. The clearance also

includes plans to integrate Emirates

NBD’s existing operations in India with

RBL Bank, although the transaction

remains subject to additional regulatory

approvals. This development

marks a significant step forward in the

cross-border deal, reinforcing Emirates

The UAE Banks Federation stated

that the Financial Institution

Resilience Package, approved

by the Central Bank of the UAE board,

strengthens banking sector stability

amid evolving regional and global

conditions. The decision reflects a

forward-looking policy approach to

reinforce financial system resilience.

Endorsed under the leadership of

NBD’s strategy to expand its footprint

in India’s banking sector. The proposed

merger is expected to streamline the

UAE-based bank’s operations in the

country by consolidating its businesses

under a single entity. Once all approvals

are obtained, the transaction could

enhance RBL Bank’s capital strength

and global connectivity while enabling

Emirates NBD to deepen its presence

in one of the world’s fastest-growing

financial markets.

UAE Banks Federation Supports Central Bank

Resilience Package

Mansour bin Zayed Al Nahyan, the

package helps banks navigate external

economic pressures, enhances institutional

flexibility, and preserves strong

financial fundamentals. It also allows

financial institutions to utilise excess

liquidity, reserve balances, and capital

buffers more effectively, enabling banks

to support customers while maintaining

stability during periods of uncertainty.


CBUAE Maintains Base Rate Unchanged at 3.65%

The Central Bank of the UAE

maintained the Base Rate for

the Overnight Deposit Facility

at 3.65%, aligning with global monetary

conditions. This follows the US

Federal Reserve’s decision to keep

the Interest Rate on Reserve Balances

unchanged, keeping the UAE’s monetary

policy closely linked to US rate

signals. The central bank also left

the short-term liquidity borrowing

UAE Central Bank Assures

Public of Strong Banking

System Stability

The Central Bank of the United

Arab Emirates has reaffirmed

that the country’s banking sector

remains stable, resilient and fully

operational despite ongoing regional

uncertainties. Authorities emphasised

that banks, insurers and financial institutions

continue to function without

disruption, supported by strong capital

and liquidity buffers well above global

regulatory benchmarks. The system’s

capital adequacy ratio stands near 17%,

while liquidity levels exceed 146%,

reflecting a robust financial position.

Total banking assets have surpassed AED

5.42 trillion, highlighting the sector’s

scale and capacity to support economic

activity. Additionally, digital banking

platforms and payment systems are

operating efficiently, ensuring uninterrupted

services nationwide. Regulators

are actively monitoring risks through

stress testing and close coordination

with institutions, reinforcing confidence

and ensuring preparedness to manage

evolving economic conditions.

rate unchanged, set at 50 basis

points above the Base Rate across all

standing credit facilities. As a result,

borrowing costs for banks accessing

central bank liquidity remain at current

levels. The Base Rate, anchored

to the US Federal Reserve’s IORB,

ensures policy alignment between the

two systems and serves as a key indicator

of the UAE’s overall monetary

policy stance.

Wio Bank Posts AED 1.24B Revenue for FY2025

Wio Bank reported a strong

financial performance for

FY2025, driven by robust

customer adoption and the continued

expansion of its digital banking platform

across the United Arab Emirates. In its

third full year of operations, the bank

achieved AED1.24 billion in revenue,

marking a 55% year-on-year increase,

while net profit rose 57% to AED622

million. These results reflect growing

demand from individuals, businesses,

and families choosing Wio as their

Ajman Bank shareholders approved

a cash dividend equivalent to 50%

of net profit for the year ended

31 December 2025, representing 9.18%

of paid-up capital. The resolution was

passed during the Annual General Meeting,

reflecting confidence in the lender’s

earnings trajectory. The approval follows a

record financial performance in 2025. Net

profit before tax reached AED548 million,

marking a 25% year-on-year increase.

primary banking partner. Total assets

reached AED61 billion as of December

31, 2025, up 64% compared to the

previous year, while customer deposits

surpassed AED57 billion, a 66% rise.

Supported by strategic shareholders

including ADQ, Alpha Dhabi Holding,

e&, and First Abu Dhabi Bank (FAB),

Wio Bank continues to expand its

footprint in the UAE’s digital banking

sector, cementing its position as a

leading player and driving innovation

across financial services.

Ajman Bank Approves 50% Net Profit as Dividend

at AGM

Meanwhile, net profit after tax rose to

AED500 million. Total assets expanded

44% to AED32.9 billion. Consequently,

the balance sheet strengthened significantly,

reinforcing capital adequacy and

liquidity buffers. Management highlighted

continued progress in executing strategic

priorities. Moreover, the bank maintained

disciplined growth while strengthening

its capital base.


Interview

MANOJ SUREKA

CEO & Managing Partner,

Synergy Fin. Consulting


How Geopolitics Is

Reshaping UAE Lending

Manoj Sureka is a seasoned expert in banking, finance, and business funding advisory. As the Managing Partner at Synergy

Fin. Consulting, he specializes in raising funds through private equity, debt, and trade finance, while advising on mergers,

acquisitions, buying and selling businesses, and joint ventures. With deep insights into the finance industry, he is a trusted

voice helping businesses navigate complex financial landscapes.

Exclusive Interview

Q: How has the recent geopolitical situation

impacted lending in the UAE?

The impact has been immediate and structural.

The closure of critical trade routes

like the Strait of Hormuz has forced lenders

to shift from growth-focused lending

to risk-controlled lending. Today, financing

decisions are no longer based purely on

financial performance, they are driven by

resilience, sector exposure, and supply

chain stability.

What we are seeing is not a slowdown in

lending, but a recalibration of risk across

the entire ecosystem.

Q: What are the biggest changes businesses

should be aware of?

There are four major shifts defining the

current lending environment:

• Tighter eligibility criteria with longer

track records required

• Reduced funding limits, even for strong

borrowers

• Shorter repayment tenors

• Higher and standardized pricing

This means businesses must now operate

with stronger liquidity discipline and

realistic expectations around funding.

Q: How important has sector classification

become in lending decisions?

Sector classification has become one of

the most critical factors in credit approval

today. Lenders are categorizing businesses

into three broad buckets:

• High-risk sectors where lending is completely

paused

• Moderate-risk sectors where lending

is conditional

• Resilient sectors where funding continues

under stricter norms

This reflects a fundamental shift, lending

is now driven by macro risk exposure,

not just balance sheet strength.

Q: Which sectors are currently facing

the most restrictions?

Sectors heavily dependent on global trade,

tourism, or discretionary spending are

facing the toughest restrictions. These

include tourism, import-heavy trading,

real estate brokerage, construction development,

and shipping-related businesses.

The common factor across these sectors

is their vulnerability to external shocks

and supply chain disruptions.

Q: Are there sectors that are still

attracting funding?

Yes, and this is where the opportunity

lies. Sectors linked to essential services

and domestic demand continue to attract

funding. These include healthcare, supermarkets,

digital services, government

contractors, and local manufacturing.

Q: How have financial eligibility criteria

changed?

Financial discipline has become non-negotiable.

We are seeing zero tolerance for

recent check bounces, higher turnover

thresholds, stricter debt servicing ratios,

and mandatory cash cover requirements.

In simple terms, lenders are prioritizing

liquidity strength over growth projections.

Q: What is happening to loan tenors

and pricing?

Loan tenors have been reduced, and

pricing has been standardized at higher

levels. This reflects the uncertainty

in the market. When visibility reduces,

lenders prefer shorter exposure cycles

and higher risk premiums. For businesses,

this translates into faster repayment

obligations and increased pressure on

working capital.

Q: Has invoice discounting also been

affected?

Yes. Invoice discounting, which was traditionally

considered low-risk, is now being

treated with caution. Lenders are only

accepting top-tier debtors such as government

entities or highly rated corporates.

Additionally, funding limits, tenors, and

concentration exposures have all been

tightened. This shows that counterparty

risk has become a major concern.

Credit has not

disappeared–it has

become selective.”

Q: Are there geographic differences

in lending within the UAE?

Yes, geographic exposure is now a factor.

Dubai continues to remain the primary

hub for lending, while some other emirates

are seeing restricted credit activity. This

is largely due to differences in economic

concentration, trade dependency, and risk

exposure.

Q: What should UAE businesses do to

stay fundable in this environment?

Businesses need to rethink their financial

strategy. The key focus areas should be:

• Strengthening cash flow visibility

• Reducing dependency on volatile external

factors

• Building clean financial records and

banking discipline

• Aligning with essential or resilient

sectors

• Exploring alternative funding sources

beyond traditional banks


Energy


Large-scale renewable projects and strong oil capacity support the UAE’s balanced energy strategy

Energy Security in a

Volatile World: The

UAE Model of Stability

and Innovation

The UAE Strengthens Energy Security Through

Strategic Investments in Hydrocarbons,

Renewables, and Advanced Technologies

Energy security has become a central priority

for nations navigating an increasingly

volatile global environment. Fluctuating

energy markets, geopolitical tensions, and

the accelerating transition toward cleaner

energy sources are reshaping how countries

approach long-term energy planning.

The United Arab Emirates has emerged

as a notable example of how stability and

innovation can coexist within a national

energy strategy. By maintaining strong

hydrocarbon production while investing

heavily in renewable energy, advanced

technologies, and global partnerships,

the UAE is strengthening its energy resilience.

This balanced approach not only

ensures reliable supply but also positions

the country as a forward-looking leader

in the global energy transition.


Energy security has become one

of the most critical global priorities

as geopolitical tensions,

supply disruptions, and the accelerating

energy transition reshape international

markets. Nations across the world are

seeking reliable strategies that ensure

stable energy supply while advancing

sustainability goals. In this evolving

landscape, the United Arab Emirates

has emerged as a model for balancing

energy stability with innovation. By

combining large-scale investments

in traditional energy resources with

aggressive expansion into renewable

energy and advanced technologies, the

UAE is strengthening its position as a

reliable global energy partner while

building a resilient and diversified

energy system for the future.

Balancing Energy Security and

Sustainability

Global energy markets have experienced

significant volatility in recent

years. Conflicts, supply chain disruptions,

and fluctuating demand have

created uncertainty in oil, gas, and

electricity markets. For many countries,

ensuring uninterrupted access to

energy has become a strategic priority.

The UAE has addressed this challenge

by maintaining a balanced approach to

energy development. While the country

continues to invest in hydrocarbon

production to support global supply,

it is also expanding renewable energy

capacity and exploring low-carbon

technologies.

This dual strategy allows the UAE

to maintain stability in energy exports

while preparing for a future where sustainability

and carbon reduction play

a larger role in global energy systems.

The country’s integrated approach

reflects a long-term national vision that

prioritizes both energy reliability and

environmental responsibility.

Strengthening Oil and Gas Capacity

Oil and gas remain essential components

of the UAE’s energy security strategy.

The country continues to invest heavily

in maintaining production capacity and

ensuring reliable global supply.

Major investments in upstream infrastructure,

advanced drilling technologies,

and digital monitoring systems are

helping to increase efficiency across

energy operations. These initiatives are

enabling the UAE to maintain strong

production capabilities while improving

operational performance.

The Abu Dhabi National Oil Company

has played a central role in expanding

production capacity and strengthening

the country’s role in global energy

markets. Strategic partnerships with

international energy companies have

also helped introduce advanced technologies

and improve operational

resilience.

These investments ensure that the

UAE can respond quickly to global

market demands while maintaining its

reputation as a dependable supplier.

Expanding Renewable Energy

Leadership

Alongside traditional energy investments,

the UAE has become a global

leader in renewable energy development.

Solar energy projects in particular

are transforming the country’s

electricity generation landscape.

Large-scale solar facilities such as

the Mohammed bin Rashid Al Maktoum

Solar Park in Dubai have significantly

Ensuring energy security

while accelerating the

transition to cleaner

energy sources is a key

priority for the UAE’s

sustainable economic

future.”

H.E. Suhail Mohamed Al Mazrouei, Minister

of Energy and Infrastructure, UAE

increased renewable energy capacity.

The project is expected to reach a production

capacity of 5,000 megawatts

by 2030, making it one of the largest

solar parks in the world.

Abu Dhabi’s Noor Solar Plant has also

strengthened the country’s renewable

energy portfolio, helping diversify the

national energy mix.

Through Masdar, the UAE has extended

its renewable energy investments

beyond its borders. The company is

involved in clean energy projects across

multiple continents, reinforcing the

country’s influence in global energy

transformation.

These developments demonstrate

how renewable energy is becoming

an integral component of the UAE’s

long-term energy strategy.

Investing in Future Energy

Technologies

Innovation is a key pillar of the UAE’s

approach to energy security. The country

is actively investing in emerging

technologies that will shape the next

generation of energy systems.

Hydrogen has become one of the

most promising areas of development.

The UAE is positioning itself as a major

producer and exporter of both green and

blue hydrogen, which are expected to

play an important role in decarbonising

industries such as shipping, aviation,

and heavy manufacturing.

Carbon capture and storage technologies

are also gaining momentum.

These systems capture carbon emissions

from industrial facilities and store

them underground, helping reduce

the environmental impact of energy

production.

In addition, artificial intelligence

and digital monitoring systems are

increasingly being integrated into

energy operations. These technologies

enhance operational efficiency, improve

predictive maintenance, and optimise

energy management across large-scale

infrastructure.

By investing in these innovations,

the UAE is preparing its energy sector

for long-term global shifts toward

cleaner and more efficient systems.

By maintaining strong hydrocarbon

capabilities while aggressively expanding

renewable energy and advanced

technologies, the country is building a

resilient and diversified energy system

which is going to last long.


Energy News

Binghatti Holding’s USD 500mn Five-Year Sukuk Oversubscribed 4.4 Times

Mubadala Energy has secured

the Southwest Andaman exploration

block in Indonesia,

marking a strategic expansion of its

footprint in the Andaman Sea. The Production

Sharing Contract was awarded

under Indonesia’s Gross Split scheme,

granting the company full ownership

and operatorship of the block. Located

adjacent to its existing assets, the new

acreage strengthens Mubadala Energy’s

integrated position across the basin,

which already includes South Andaman,

Central Andaman and Andaman

II blocks. The award follows a multiyear

evaluation process that began in

2022, progressing through technical

studies and bid submissions. The development

reinforces the company’s

long-term commitment to deepwater

gas exploration and aligns with its

strategy to unlock significant regional

gas resources. Initial drilling is expected

in the later exploration phase, following

comprehensive seismic analysis.

ADNEC and EWEC to

Power Al Ain Venue

with Renewables

ADNEC Group has entered a strategic

collaboration with Emirates

Water and Electricity Company

to supply clean and renewable energy

to ADNEC Centre Al Ain, marking a key

step in advancing sustainable event

operations. Under the agreement, the

venue will be fully powered by renewable

energy, eliminating carbon emissions

from its electricity consumption. The

initiative is expected to significantly

reduce the environmental impact of

large-scale events while supporting Abu

Dhabi’s broader decarbonisation efforts.

Building on existing cooperation, the

partnership reinforces both entities’

commitment to the UAE’s clean energy

transition. With this development, all

ADNEC venues globally are now powered

by renewable energy, supporting

the Group’s long-term objective of

achieving net-zero carbon events by

2045 and setting new benchmarks for

sustainability in the events industry.

Mubadala Joins US-Led Supply Chain Investment

Fund

Abu Dhabi-based Mubadala Investment

Company is reportedly

set to join a US-led global consortium

aimed at strengthening energy

and critical mineral supply chains.

Other participants in the consortium

include SoftBank Group and Temasek

Holdings, according to a report by

Bloomberg, citing Jacob Helberg,

Undersecretary for Economic Affairs

at the US State Department. Helberg

stated that the United States plans to

The Chairman of Abu Dhabi’s Department

of Energy reaffirmed

the robustness and efficiency

of the emirate’s energy and water

ecosystem following a comprehensive

field visit to key infrastructure sites.

During the tour, senior officials assessed

operational workflows, production

systems, and advanced technologies

designed to enhance performance and

ensure consistent supply reliability.

Detailed briefings from frontline teams

highlighted adherence to strict safety

standards and operational protocols,

supporting uninterrupted service

delivery at optimal efficiency levels.

The visit also underscored Abu Dhabi’s

broader commitment to sustainability

and resource security, aligning with

long-term strategic priorities. Officials

commended workforce efforts in

contribute USD250M to the consortium,

which it will oversee and manage. He

added that the fund will prioritise investments

that secure access to energy

resources and rare earth materials for

the US and its strategic partners.

The initiative forms part of the broader

US-led Pax Silica program, which has

recently expanded to include energy

infrastructure projects following disruptions

linked to Iran’s blockade of

the Strait of Hormuz, the report noted.

Abu Dhabi Energy and Water Systems Demonstrate

Readiness and Operational Efficiency

maintaining resilience and operational

excellence across facilities.


Arab Energy Fund Posts USD 282.4M Net Income on Strong Asset Growth

Arab Energy Fund reported a

record net income of USD

282.4 million for 2025, marking

its fourth consecutive year of

peak performance, driven by balance

sheet growth, strong funding activity,

and disciplined cost management.

Earnings increased from USD 265.7

million in 2024, reflecting solid momentum

across business segments.

Total assets rose 23% year-on-year

ADNOC L&S shareholders

approve $325M dividend

for 2025

Shareholders of ADNOC Logistics

& Services approved all agenda

items at the company’s Annual

General Meeting, including a final

dividend of $81.25 million, bringing the

total payout for 2025 to $325 million.

The company confirmed that recent

regional developments have not materially

impacted its global operations,

maintaining strong financial stability

and uninterrupted performance across

all divisions. Dividends for the first

nine months of 2025 reached $243.75

million, and the company plans to increase

payouts by 5 percent annually

from 2026 to 2030, subject to approvals.

ADNOC L&S delivered robust financial

results in 2025, driven by strong demand,

operational efficiency, and expansion

across key segments, reinforcing its

position as a global logistics player.

to USD 13.4 billion, supported by

corporate banking, investments, and

treasury operations. The fund secured

USD 3.8 billion in new financing, enhancing

global capital market access

and liquidity. Asset quality remained

robust, with a non-performing loan

ratio of 0.2%, underscoring the fund’s

diversified business model, operational

efficiency, and focus on sustainable

growth in the energy sector.

MENA Renewables Rise 44% on Energy Transition

Renewable energy capacity across

the Middle East and North Africa

(MENA) recorded a 44% yearon-year

increase in 2025, highlighting

a rapid shift toward low-carbon, more

resilient energy systems. This growth

has been largely driven by utility-scale

solar projects, marking a structural

transition away from hydrocarbon-dependent

energy models. Governments

across the region are accelerating clean

energy deployment to support economic

diversification, enhance energy

ADNOC Logistics and Services

(ADNOC L&S) has announced

the early delivery of Arada, a

liquefied natural gas (LNG) carrier with

a capacity of 175,000 cubic metres, built

by Jiangnan Shipyard in China. The vessel

represents the fifth of six LNG carriers

ordered under the company’s fleet expansion

program, aimed at strengthening

its maritime logistics capabilities and

security, and reduce emissions. Solar

power remains the main growth driver,

benefiting from abundant irradiation

and declining technology costs, making

it one of the most competitive electricity

sources. Wind energy and hybrid

systems with storage are also gaining

traction, improving grid stability and

enabling higher renewable penetration.

Furthermore, growing green hydrogen

investments are positioning MENA as

a key player in the global clean energy

value chain.

ADNOC L&S Takes Early Delivery of LNG Carrier

‘Arada’ from China

international footprint.Following its

handover, Arada has been deployed into

operations, contributing to ADNOC L&S’s

ongoing shipping activities and long-term

strategic objectives. The delivery was

marked at Jiangnan Shipyard in China,

with ADNOC L&S representatives and

crew members joining shipyard officials

to commemorate the occasion.


Infographic

UAE Makes Historic Debut in

Global Top Three Liveability Rankings

For the first time, the United Arab Emirates has secured a position among the world’s

top three most liveable countries, marking a defining moment in its transformation

from a fast-growing economy to a globally benchmarked lifestyle destination.

THE GLOBAL RANKING

According to the latest global liveability assessments by institutions such as the Economist

Intelligence Unit and the IMD World Competitiveness Center, the UAE now stands

shoulder-to-shoulder with traditional leaders, including:

Switzerland Denmark Canada


Safety & Stability

Among the lowest crime rates

globally

Strong governance and

regulatory clarity

WHAT DROVE THE CLIMB?

Healthcare Excellence

World-class hospital

infrastructure

High doctor-to-population ratio

Rapid digital health adoption

Education & Talent Magnetism

International universities

Expanding research hubs

Skilled expatriate workforce

Infrastructure & Mobility

Advanced public transport

systems

Smart city integration

Global aviation connectivity via

Emirates Airlines and

Etihad Airways

Economic Opportunity

Tax-efficient environment

Thriving entrepreneurial

ecosystem

Leadership in fintech, AI, and

sustainability

CITY-LEVEL IMPACT

Both Dubai and Abu Dhabi continue to perform strongly across global indices,

reinforcing the nation’s urban competitiveness.

WHY THIS MATTERS FOR INVESTORS

High liveability is not just a lifestyle metric; it is a capital magnet.

Attracts global

talent

Strengthens real

estate demand

Supports longterm

economic

diversification

Enhances

sovereign brand

equity

For multinational firms and family offices, liveability directly translates

into workforce retention and long-term stability.


Fintech


Digital wallets and contactless payments are rapidly transforming everyday transactions across Dubai

Dubai to Go Cashless

as FinTech Adoption

Surges

Dubai Accelerates its Cashless Economy Vision

as FinTech Innovation and Digital Payments

Transform Financial Transactions

Dubai is rapidly advancing toward a

cashless economy as fintech adoption

accelerates across the emirate. Driven by

government initiatives, digital payment

infrastructure, and growing consumer

confidence in technology, the city is transforming

how financial transactions are

conducted. Mobile wallets, contactless

payments, and digital banking platforms

are becoming the preferred payment methods

for residents and businesses. The

Dubai Cashless Strategy aims to ensure

that the majority of transactions across the

emirate are conducted digitally, strengthening

efficiency and financial transparency.

As fintech innovation continues to

expand, Dubai is positioning itself as a

leading global hub for digital payments

and next-generation financial services.


Dubai is rapidly moving toward a

cashless economy as financial

technology adoption accelerates

across the emirate. Driven by strong

government initiatives, digital infrastructure,

and widespread consumer

acceptance of electronic payments, the

city is transforming how businesses

and individuals conduct financial transactions.

The Dubai Cashless Strategy

aims to ensure that 90 percent of all

transactions in the emirate are conducted

digitally by 2026, positioning Dubai

as one of the world’s most advanced

digital economies.

The shift toward cashless payments

reflects broader changes in the global

financial landscape, where mobile

wallets, contactless payments, and

digital banking are replacing traditional

cash transactions. Dubai’s approach

combines regulatory support, fintech

innovation, and public-private collaboration

to create a seamless digital

payment ecosystem that supports

economic growth, efficiency, and financial

inclusion.

The Vision Behind Dubai’s Cashless

Strategy

Dubai’s transition toward a cashless

economy is anchored in a comprehensive

government strategy designed

to digitize payments across both the

public and private sectors. The initiative

focuses on three core pillars: enabling

advanced digital payment infrastructure,

encouraging widespread adoption

among consumers and businesses, and

strengthening regulatory frameworks

that support financial innovation.

Government entities have already

made significant progress. Nearly 97

percent of Dubai government transactions

were conducted digitally in

2023, reflecting the strong foundation

already in place for a fully cashless

environment.

The strategy is also aligned with

Dubai’s broader economic transformation

agenda, which aims to position the

emirate as a global hub for technology,

fintech, and digital commerce. By reducing

reliance on physical currency,

authorities expect the initiative to enhance

transparency, reduce operational

costs, and increase efficiency across

the financial ecosystem.

Economic projections suggest that

the transition toward a cashless economy

could generate more than AED8B

in additional economic value annually,

highlighting the potential impact of

digital payments on productivity and

financial innovation.

Fintech Innovation Driving Digital

Payments

The rapid growth of fintech companies

in the UAE has played a critical role

in accelerating the adoption of digital

payments. Startups and established

financial institutions alike are introducing

new solutions that simplify

payments, improve accessibility, and

enhance the user experience.

The UAE fintech sector is expanding

quickly, supported by strong regulatory

frameworks and innovation hubs such

as the Dubai International Financial

Centre and Abu Dhabi Global Market.

The national fintech market is projected

to grow significantly over the coming

years as digital banking, payment

technologies, and AI-driven financial

services continue to expand.

Digital payment platforms are increasingly

offering services such as

Digital payments and

advanced financial

technologies are key

drivers of the UAE’s

transition toward a

competitive and futureready

digital economy.”

H.E. Abdulla Bin Touq Al Marri, Minister of

Economy, UAE

instant transfers, QR-code payments,

digital wallets, and contactless card

transactions. These innovations are

making cashless payments more convenient

and secure for both consumers

and businesses.

Mobile wallets are particularly gaining

traction. Nearly 46 percent of

residents now use mobile wallets for

everyday purchases, while contactless

transactions account for a significant

share of payment activity across the

country.

These developments are reshaping

consumer behavior, as residents

increasingly prefer fast, secure, and

digitally enabled payment methods.

Digital Payments Transforming

Consumer Behaviour

The rise of digital payments is fundamentally

changing how people interact

with money in Dubai. Consumers are

increasingly relying on smartphones,

digital wallets, and contactless cards

for everyday purchases, from retail

shopping to public transportation.

The convenience of digital payments

is one of the main drivers behind this

shift. Transactions that once required

cash or physical bank visits can now

be completed instantly through mobile

applications. The integration of

payment systems with e-commerce

platforms has further accelerated the

adoption of digital transactions.

Businesses are also adapting to this

transformation. Retailers, restaurants,

and service providers are increasingly

integrating digital payment options to

meet changing customer expectations.

Contactless payments, QR codes, and

digital point-of-sale systems are becoming

standard features across the

city’s commercial landscape.

Even traditionally cash-dependent

sectors such as remittances and small

retail businesses are gradually adopting

fintech solutions that streamline payments

and improve financial access.

Dubai’s push toward a cashless economy

represents a major milestone in its

broader digital transformation journey.

As the emirate moves closer to its goal

of 90 percent cashless transactions by

2026, Dubai is establishing itself as a

global model for the future of digital

finance. The continued expansion of

fintech solutions will play a central

role in shaping the next phase of the

city’s economic growth.


Fintech News

UAE Fintech Sector Projected to Reach $5.71B by 2029

The United Arab Emirates continues

to reinforce its status as

a global leader in the Financial

Technology (FinTech) sector, driven

by an integrated ecosystem combining

advanced digital infrastructure, flexible

regulatory frameworks, and growing

international investment. These elements

have positioned the country as a hub

for developing innovative financial

solutions, spanning digital payments,

digital banking, embedded finance,

and digital assets. Industry analysts

expect the sector to expand rapidly in

the coming years as FinTech adoption

accelerates. Key financial hubs, including

the Dubai International Financial

Centre (DIFC) and Abu Dhabi Global

Market (ADGM), play a pivotal role in

supporting the growth and international

competitiveness of the UAE’s FinTech

ecosystem.

Emaar Development

Approves USD 1.1B

Dividend as 2025 Profit

Surges

Emaar Development has approved

a dividend distribution of AED4

billion (USD1.1B), equivalent to

100% of its share capital, following a

strong financial performance in 2025.

The company reported a 52% year-onyear

increase in net profit before tax,

reaching AED15.5 billion (USD4.2B),

supported by robust demand and record

property sales. Total sales rose

to AED71.1 billion (USD19.4B), while

revenue climbed 44% to AED27.5 billion

(USD7.5B). Its revenue backlog expanded

to AED125.2 billion (USD34.1B), providing

strong visibility for future earnings.

Growth was further reinforced by over

48 new project launches and strategic

land acquisitions valued at AED120

billion. The performance highlights

sustained momentum in Dubai’s real

estate sector and reinforces investor

confidence in the company’s long-term

development pipeline.

Qatar Central Bank Introduces Liquidity Measures

to Reinforce Financial Stability

Qatar Central Bank has introduced

precautionary measures

to boost liquidity in the domestic

financial system amid evolving geopolitical

conditions. A recent assessment

confirmed the banking sector remains

resilient, supported by strong capital

buffers and adequate liquidity in local

and foreign currencies. To maintain

market stability, the central bank will

The Central Bank of the UAE has

introduced a comprehensive

financial resilience package

backed by assets exceeding AED 1

trillion to reinforce the stability of the

banking sector amid global and regional

uncertainties. The initiative enables

banks to access enhanced liquidity,

including up to 30% of reserve balances,

alongside term funding facilities in

both dirhams and US dollars. It also

provides temporary relief on liquidity

and funding ratios, while allowing

greater flexibility in utilising capital

buffers such as the countercyclical

and conservation buffers. Additional

measures support credit risk management

by permitting flexibility in loan

classification for affected customers.

provide unlimited Qatari riyal repo

facilities backed by eligible securities

and introduce term repo operations of

up to three months. Reserve requirements

on deposits have been reduced,

and banks may offer temporary repayment

deferrals for affected customers.

These steps aim to sustain confidence,

ensure smooth credit flow, and support

economic activity.

UAE Central Bank Unveils $1T Resilience

Package

Despite challenging conditions, the

UAE’s banking system remains robust,

supported by strong liquidity levels

and foreign reserves, positioning the

sector to sustain lending, maintain

confidence, and continue contributing

to economic growth.


Starlink Expands to UAE with Satellite Internet Launch

SpaceX’s Starlink has officially

launched in the UAE, offering

satellite-based internet services

for both residents and businesses. The

system uses low-Earth orbit satellites to

provide high-speed connectivity without

relying on traditional fibre or mobile

networks, making it especially useful

in remote or underserved areas. Users

connect via a compact satellite dish

and router, enabling quick installation

and flexible use across multiple locations.

Monthly plans start at competitive

prices, with hardware costs applied

separately. With speeds much higher

than conventional satellite systems and

lower latency, Starlink serves as a strong

alternative for reliable connectivity in

challenging environments. Its launch

is set to enhance digital infrastructure,

support remote operations, and create

new opportunities for sectors needing

high-performance internet across the

UAE.

Presight Backs First

AI Startups Through

$100M PSFI Fund

Presight has announced its first

set of investments in AI startups

under the Presight–Shorooq

Fund I (PSFI), a $100 million early-stage

fund launched in partnership

with Shorooq. The initiative supports

six companies across the United States

and the UAE, targeting advanced

applications such as sovereign AI infrastructure,

financial intelligence platforms,

and edge-based systems. These

startups are focused on building scalable,

real-world AI solutions suited to

complex and regulated environments

where reliability and governance are

critical. By combining capital with

access to advanced infrastructure

and commercial pathways, Presight

aims to accelerate the deployment of

next-generation intelligent systems at

both national and enterprise levels.

The move also reinforces Abu Dhabi’s

ambition to position itself as a global

hub for applied AI innovation and to

drive the commercialisation of emerging

technologies.

Tabby Card Expands UAE Network with Apple

Store Integration

Tabby has further strengthened

its presence in the UAE by integrating

the Apple Store into its

Tabby Card partner network, allowing

customers to purchase Apple products

through flexible, interest-free instalment

plans. The service is accessible

across Apple’s online store, mobile

app, and physical retail locations,

providing a seamless and convenient

omnichannel experience. Under standard

plans, payments can be split into

four instalments, while a limited-time

Dubai’s next phase in property

technology, Proptech 3.0, is projected

to generate around $14.5

billion (AED 53.29 billion) in annual

economic value, marking a significant

evolution in the real estate sector. This

stage emphasises the integration of advanced

technologies, including artificial

intelligence, automation, and data-driven

platforms, to boost productivity, optimise

asset management, and improve

decision-making across the property

lifecycle. Building on previous proptech

developments, it moves beyond digital

listings and transactions towards fully

connected, intelligent ecosystems. As

promotion offers six interest-free

payments, with extended options of

up to eight months for higher-value

purchases. This expansion responds to

growing demand for buy-now, pay-later

solutions, particularly for premium

electronics, making high-end devices

more financially accessible to a wider

audience. With over one million active

cards in the UAE, Tabby continues to

broaden its merchant network and

solidify its leadership in the region’s

evolving digital payments ecosystem.

Proptech 3.0 Set to Generate $14.5B Annually in

Dubai

Dubai advances its smart city initiatives,

Proptech 3.0 is set to enhance efficiency,

attract global investment, and reshape

urban development, reinforcing the

emirate’s status as a leading hub for real

estate innovation.


Technology


Dubai’s skyline reflects the UAE’s ambition to lead global innovation, technology, and digital economy growth.

From Trade Hub to

Tech Leader: The

UAE’s Global Ambition

in 2026

Strategic Investments in Artificial Intelligence and

Startups are Driving the UAE’s Transition from

Trade Hub to Technology Powerhouse

The UAE has long been recognised as

a global trade gateway linking East and

West, but its ambitions are rapidly evolving

beyond traditional commerce. As 2026

unfolds, the nation is positioning itself

as a global technology leader through

strategic investments, innovation-driven

policies, and world-class digital infrastructure.

Government-led initiatives, strong

venture capital activity, and a growing

ecosystem of startups are transforming

the country into a hub for artificial intelligence,

advanced manufacturing, fintech,

and clean technologies. By aligning economic

diversification with cutting-edge

innovation, the UAE is strengthening its

global competitiveness while attracting

international talent, and investors seeking

a dynamic and future-focused market.


The United Arab Emirates has

long been recognized as a global

trade gateway connecting Asia,

Europe, and Africa. Built on a foundation

of logistics strength, world-class

infrastructure, and an open economic

model, the country established itself as

one of the most important commercial

hubs in the Middle East. However, the

UAE’s vision today goes far beyond

trade. By 2026, the nation is accelerating

its transition toward becoming a

global technology powerhouse, leveraging

innovation, artificial intelligence,

advanced manufacturing, and digital

finance to drive its next phase of economic

growth.

This shift reflects a broader national

strategy to diversify the economy beyond

hydrocarbons while positioning

the UAE as a global center for innovation,

investment, and future technologies.

Strategic government initiatives,

robust digital infrastructure, and an

increasingly vibrant startup ecosystem

are transforming the country into a

technology-driven economy capable

of competing with global innovation

leaders.

A Strategic Shift toward a Knowledge

Economy

The UAE’s technology ambitions are

closely linked to its long-term economic

vision. Government strategies such

as the UAE Digital Economy Strategy

aim to double the contribution of the

digital economy to the country’s GDP

in the coming years. This transformation

is being supported by significant

investments in digital infrastructure,

artificial intelligence, and emerging

technologies.

Artificial intelligence has become a

cornerstone of the country’s innovation

agenda. The UAE was among the first

nations to appoint a Minister of State

for Artificial Intelligence and has introduced

a national AI strategy focused

on integrating intelligent technologies

across sectors including healthcare,

logistics, transportation, and financial

services. These initiatives are designed

to enhance productivity, create new

industries, and attract global talent.

Digital government services also play

a crucial role in this transformation.

The UAE has consistently ranked

among the world’s leading countries

in e-government adoption, enabling

businesses and residents to access

public services through integrated digital

platforms. This approach not only

improves efficiency but also reinforces

the country’s reputation as one of the

most digitally advanced economies in

the region.

Technology Ecosystems Gaining

Momentum

A major driver behind the UAE’s technology

transformation is the rapid

expansion of its innovation ecosystem.

Cities such as Dubai and Abu Dhabi are

becoming attractive destinations for

global technology companies, venture

capital firms, and entrepreneurs.

Free zones dedicated to technology

and innovation are supporting this

growth by offering flexible regulations,

Our priorities are the

development of the

digital economy that will

contribute to our national

economy, reinforce

the country’s smart

infrastructure, ensure

our digital readiness and

maintain the continuity

of business of the UAE

Government under all

circumstances.”

H.H. Sheikh Mohammed bin Rashid Al Maktoum,

Vice President and Prime Minister of

the UAE and Ruler of Dubai

world-class infrastructure, and strong

connectivity to global markets. These

hubs are attracting startups working

in sectors such as fintech, artificial

intelligence, blockchain, climate technology,

and digital health.

Investment in startups has also

accelerated in recent years. Venture

capital activity across the UAE and the

wider GCC region continues to grow

as investors look for opportunities in

emerging technologies and scalable

digital businesses. Government-backed

accelerators, innovation labs, and funding

programs are helping early-stage

companies scale their operations and

access international markets.

The country’s strategic geographic

location further strengthens its role

as a technology hub. Positioned at

the crossroads of major global trade

routes, the UAE offers companies access

to markets across the Middle East,

Africa, South Asia, and beyond. This

connectivity enables technology firms

to expand rapidly while maintaining

strong links with global supply chains.

Building Leadership in Advanced

Industries

Beyond software and digital services,

the UAE is also investing heavily in

advanced industries and high-tech

manufacturing. Sectors such as aerospace,

clean energy, robotics, and

semiconductor research are gaining

increasing attention as the country

builds a diversified industrial base.

The UAE’s space program has become

one of the most visible symbols

of this ambition. National initiatives

have placed the country among a select

group of nations actively investing in

space exploration, satellite technologies,

and advanced scientific research.

These programs not only enhance

technological capabilities but also

inspire a new generation of engineers

and scientists.

Clean technology is another area

where the UAE is seeking global leadership.

Investments in renewable energy,

hydrogen, and sustainable infrastructure

are helping the country position

itself at the forefront of the global

energy transition. These initiatives

align closely with the UAE’s broader

commitment to climate innovation and

sustainable development.UAE evolves

strategically into resilient global technology

and innovation leader.


Global News

Global Fraud Losses

Exceed $442 Billion

in 2025

Global losses linked to financial

fraud reached an estimated

$442 billion in 2025, according

to the 2026 Global Financial Fraud

Threat Assessment by INTERPOL. The

agency classified the overall global

risk of financial fraud as “high”, warning

that the scale of criminal activity is

expected to increase significantly over

the next three to five years.

The report highlighted the growing

role of Artificial Intelligence in

enabling more sophisticated fraud

schemes. AI-enhanced fraud is now estimated

to be 4.5 times more profitable

than traditional methods. Particularly

notable is the emergence of “agentic

AI”, which can autonomously plan

and execute entire fraud operations

— from reconnaissance to issuing ransom

demands — with minimal human

intervention. Low barriers to entry and

the availability of cost-effective digital

tools have further accelerated the

expansion of financial crime globally.

UAE and U.S. Presidents Discuss Latest Regional

Developments

Mohamed bin Zayed Al Nahyan

held a phone call with Donald

Trump to review recent

regional developments, particularly

ongoing Iranian attacks targeting the

UAE and neighbouring countries.

During the discussion, both leaders

assessed the broader implications

of these incidents on regional and

international security frameworks.

They jointly condemned the attacks as

clear violations of national sovereignty

and international law. The conversation

also highlighted concerns over

escalation risks and their potential to

disrupt economic stability and global

trade flows. Both sides stressed the

importance of coordinated diplomatic

efforts to de-escalate tensions and

safeguard critical infrastructure, while

emphasising the need for collective

international action to uphold security,

deter aggression, and maintain Middle

East stability.

Rosatom, DP World Plan Logistics Joint Venture

in Russia

Russia’s state nuclear group Rosatom

said it has agreed with

DP World to establish a logistics

joint venture. Moreover, the partnership

reflects Rosatom’s broader strategy

to expand its presence in global

cargo transport and strengthen trade

corridors. Under the proposed structure,

Rosatom will hold 51% of the

joint venture, while DP World will take

a 49% stake, according to a company

spokesperson. Additionally, Rosatom

will contribute its 92.4% stake in Russian

transport group FESCO, which

specialises in container logistics. DP

World will contribute cash funding.

However, the amount will depend on

the market valuation of FESCO, the

spokesperson said. As a result, the

final transaction size remains subject

to valuation outcomes.

UAE Joins Extraordinary EU–GCC Foreign Ministers Meeting

The United Arab Emirates took

part in an extraordinary meeting

of Foreign Ministers from

the Gulf Cooperation Council and the

European Union, held via videoconference

on 5 March 2026, to discuss

Iran’s aggression against GCC member

states. The meeting was jointly

chaired by Abdullatif bin Rashid Al

Zayani, Minister of Foreign Affairs of

the Kingdom of Bahrain and Chair of

the current session of the GCC Ministerial

Council, and Kaja Kallas, High

Representative of the European Union


for Foreign Affairs and Security Policy

and Vice-President of the European

Commission. During the session, Lana

Nusseibeh, UAE Minister of State

at the Ministry of Foreign Affairs,

expressed appreciation to European

partners for condemning Iran’s unjustified,

unprovoked and unlawful attacks,

as well as for their strong messages of

solidarity and support.

UAE Strengthens Trade Ties, Capturing 30% of Ecuador’s Arab & Africa Trade

Dr. Thani bin Ahmed Al Zeyoudi

said the Comprehensive Economic

Partnership Agreement (CEPA)

between the United Arab Emirates and

Ecuador represents a strategic milestone

in advancing bilateral trade and investment

ties, aligned with sustainable development

priorities and deeper integration into

global markets. Al Zeyoudi noted that

non-oil trade between the two countries

reached US$373.6 million in 2025,

reflecting growth of 3.2% compared to 2024

and more than triple the level recorded in

2019. This demonstrates that trade flows

are driven by structural expansion rather

than cyclical gains. He added that the

UAE is Ecuador’s largest trading partner

in the Arab world and Africa, accounting

for around 30% of total trade with those

regions, and that the CEPA is expected

to further consolidate this position and

expand cross-regional supply chains.

DEWA, Germany’s Saarland

Explore Clean Energy

Cooperation

Saeed Mohammed Al Tayer, MD and

CEO of Dubai Electricity and Water

Authority (DEWA), received Jürgen

Barke, Minister of Economics, Innovation,

Digitalisation and Energy and Deputy

Prime Minister of the German state of

Saarland, to explore cooperation in

renewable and clean energy. Senior DEWA

officials attended the meeting, including

Marwan bin Haidar and Dr. Yousef Al

Akraf. Moreover, discussions focused on

strengthening bilateral collaboration in

innovation, digitalisation and sustainable

energy systems. Both sides underscored

the shared commitment of the UAE and

Germany to accelerating the global energy

transition. In addition, they highlighted

the importance of advancing clean

technology innovation and reinforcing

partnerships that support climate action

and sustainable economic growth.

UAE and Ecuador Announce Comprehensive

Economic Partnership

Khaled bin Mohamed bin Zayed

Al Nahyan arrived at Carondelet

Palace in Quito for official

talks with Daniel Noboa, marking an

important step in advancing UAE-Ecuador

economic relations. The visit

culminated in announcing a Comprehensive

Economic Partnership

Agreement (CEPA), reinforcing trade

and investment ties between the two

nations. The CEPA framework aims to

reduce tariffs and eliminate barriers

to bilateral trade. It is expected to

enhance market access and strengthen

collaboration between public and

private sectors across key industries,

including clean and renewable energy,

advanced technology, mining, logistics,

and agriculture. The agreement also

promotes food security, sustainable

agriculture, and broader economic

diversification initiatives.

ESCWA Forecasts 3.7% Arab Region Growth in

2026

The United Nations Economic and

Social Commission for Western

Asia (ESCWA) has projected a

gradual economic recovery across

the Arab region despite ongoing geopolitical

and financial pressures. In

its report, “Macroeconomic Outlook

in the Arab Region,” ESCWA forecasts

regional growth to rise from

2.9 percent in 2025 to 3.7 percent in

2026. The outlook remains affected

by escalating geopolitical tensions

and global financial uncertainty, which

could impact sustainable and inclusive

growth. Regional inflation is expected

to ease from 8.2 percent in 2025 to

5.4 percent by 2027, supported by

moderating commodity prices and

the normalisation of global supply

chains. Total exports are also projected

to expand, driven by stronger

non-oil trade. Acting ESCWA Secretary

Mourad Wahba noted that recovery is

supported by economic diversification,

fiscal reforms, and higher investment

in non-hydrocarbon sectors.


Garmin

Fenix 8 Pro:

Built For

Extremes

Garmin pushes the boundaries of rugged smartwatches

with the Garmin Fenix 8 Pro, a flagship multisport device

engineered for athletes, explorers, and endurance

enthusiasts. Designed to operate independently from

a smartphone, it combines advanced fitness tracking

with next-generation connectivity, making it one of

the most capable outdoor wearables available.

Expected Specs: Performance Meets Connectivity

Design

Titanium bezel with sapphire

crystal, rugged military-grade

durability

Display

1.4-inch AMOLED with optional

MicroLED variant

Connectivity

LTE, Bluetooth, Wi-Fi, GPS,

satellite messaging

Water Resistance

10 ATM, suitable for diving

up to 40 metres

Battery

Up to 27 days depending

on usage

Brightness Levels

Up to 4,500 nits on premium

model

Storage

Onboard maps, music storage,

app support

Sensors

Advanced heart rate monitoring,

Pulse Ox, GPS tracking

+ Smart Features

Contactless payments, notifications,

voice and messaging

support


Performance & Smart

Features: What Users

Can Expect

The Garmin Fenix 8 Pro stands out for its ability to

function independently, thanks to built-in LTE and

satellite connectivity. Users can send messages, share

live location, or trigger SOS alerts even in remote

environments, making it highly reliable for outdoor

adventures. Its MicroLED display delivers exceptional

brightness and visibility, ensuring clarity even under

direct sunlight. The AMOLED option provides a

balance between vivid visuals and power efficiency,

catering to different user preferences.

Pros

Fully functional without needing a smartphone

Exceptional tracking for outdoor and

endurance sports

High visibility display in any environment

Accurate navigation and health monitoring

Durable construction for long-term use

Performance Highlights

LTE and Satellite Connectivity for phone-free communication

Ultra-bright display for all lighting conditions

Rugged build designed for extreme environments

Advanced fitness tracking with detailed performance

insights

Cons

Expensive compared to mainstream smartwatches

Larger size may not suit all users

Some features may require subscriptions

Not designed for casual or basic use

Premium pricing expected in the high-end segment

Bulkier design due to added hardware

Battery performance varies with feature usage

Final Thoughts

The Garmin Fenix 8 Pro is more than a smartwatch. It is a performance-driven tool built for demanding environments and

serious users. Combining durability, connectivity, and advanced tracking, it delivers a comprehensive experience for athletes

and explorers alike.

While the price and size may limit its appeal for everyday users, those who prioritise performance and reliability will find it to

be one of the most capable wearables on the market.


Healthcare


Smart wearable devices enable real-time health monitoring, supporting the UAE’s rapidly evolving digital healthcare ecosystem.

Wearable Health

Technology: The Next

Wave Of Patient Care In

The UAE

Wearable Health Technologies are Transforming

Patient Monitoring and Preventive Healthcare

Across the UAE

The UAE is rapidly embracing digital

health innovations to enhance the efficiency

and accessibility of its healthcare

system. Among the most promising advancements

is wearable health technology,

which enables real-time monitoring of

vital health indicators outside traditional

clinical environments. Devices such as

smartwatches and connected biosensors

allow patients and healthcare providers

to track important metrics including heart

rate, physical activity, and sleep patterns.

By integrating these technologies with

telemedicine and artificial intelligence

platforms, the UAE is strengthening its

approach to personalized healthcare.

Wearable tech is therefore emerging as

a key component in the country’s vision

for patient-centered healthcare ecosystem.


Healthcare in the United Arab

Emirates is rapidly evolving

as digital technologies reshape

how medical services are delivered and

managed. Among the most transformative

innovations is wearable health

technology, which enables real-time

monitoring of vital signs and health

indicators. Devices such as smartwatches,

biosensors, and connected medical

wearables allow patients and healthcare

providers to track critical health metrics

beyond traditional hospital settings. As

the UAE continues to invest heavily

in digital health infrastructure and

smart healthcare systems, wearable

technologies are becoming an integral

part of patient care, supporting early

diagnosis, preventive medicine, and

more personalized healthcare delivery.

The Rise of Digital Health in the UAE

The UAE has positioned itself as a regional

leader in healthcare innovation

by integrating advanced technologies

into its medical systems. National

strategies focused on digital transformation

have accelerated the adoption

of artificial intelligence, telemedicine,

and data-driven healthcare solutions.

Wearable health technology fits

naturally within this broader vision.

Hospitals, clinics, and research institutions

across the country are increasingly

exploring ways to integrate wearable

data into healthcare platforms. These

devices can continuously track metrics

such as heart rate, sleep quality, physical

activity, blood oxygen levels, and

stress patterns.

By capturing real-time data, wearable

technologies allow healthcare professionals

to gain deeper insights into

patient health between medical visits.

This shift is helping the UAE transition

from reactive treatment models toward

preventive and personalized care.

Supporting Remote Patient

Monitoring

One of the most significant benefits

of wearable health technology is

the ability to support remote patient

monitoring. This approach enables

healthcare providers to track patients’

health conditions from outside clinical

environments.

Remote monitoring is particularly

useful for individuals managing chronic

illnesses such as cardiovascular disease,

diabetes, or respiratory conditions.

Wearable devices can send health data

directly to digital platforms used by

doctors, allowing clinicians to detect

unusual patterns or potential health

risks early.

In the UAE, hospitals and healthcare

providers are increasingly integrating

remote monitoring systems into telehealth

services. Patients can share

health data during virtual consultations,

enabling doctors to assess conditions

more accurately without requiring

in-person visits.

This model improves healthcare accessibility

while reducing pressure on

hospitals and emergency departments.

Encouraging Preventive Healthcare

Preventive healthcare is a key priority

within the UAE’s long-term healthcare

strategy. Wearable devices support this

objective by empowering individuals

to take a more active role in managing

their health.

Real-time feedback from wearable

devices helps users monitor their daily

physical activity, sleep patterns, and

Digital health solutions

and advanced

technologies are essential

to improving healthcare

outcomes and patient

experiences.”

H.E. Abdulrahman Bin Mohamed Al Owais,

Minister of Health and Prevention, UAE

stress levels. This information can motivate

healthier lifestyle choices, including

increased exercise, improved sleep

habits, and better stress management.

Early detection is another major

advantage. Wearable devices capable

of identifying irregular heart rhythms

or sudden health changes can prompt

individuals to seek medical attention

sooner.

By encouraging proactive health

management, wearable technologies

contribute to reducing the long-term

burden of chronic diseases.

Integration with Artificial Intelligence

and Smart Health Platforms

The UAE’s advanced digital infrastructure

is enabling wearable technologies

to integrate seamlessly with artificial

intelligence and smart healthcare

platforms. AI-powered systems can

analyze large volumes of biometric

data generated by wearable devices

to identify patterns that may indicate

potential health concerns.

These insights can assist doctors

in diagnosing conditions earlier and

tailoring treatment plans based on

real-time patient data. Predictive analytics

tools can also help healthcare

providers anticipate complications

before they occur.

Hospitals and research centres across

the UAE are exploring how wearable

data can enhance clinical research

and population health monitoring.

Aggregated data from wearable devices

may provide valuable insights into

lifestyle trends, disease patterns, and

public health risks. Such capabilities

strengthen the UAE’s ambition to build

a highly connected and data-driven

healthcare system.

Expanding the Digital Health

Ecosystem

Technology companies and healthcare

providers in the UAE are collaborating

to develop innovative digital health

ecosystems that incorporate wearable

devices. Wearable health technology is

redefining how healthcare is delivered

in the UAE by enabling continuous

monitoring, personalized treatment

strategies. By integrating wearable

devices with artificial intelligence,

telemedicine, and smart health platforms,

the country is creating a more

connected and proactive healthcare

ecosystem.


Healthcare News

Burjeel Opens New

Dubai Centre

Burjeel Holdings has launched a

new medical centre at Silicon

Central Mall in Dubai Silicon

Oasis, further strengthening its network

of community-focused healthcare

facilities across the UAE. Designed as

a smart, digital-first outpatient facility,

the centre integrates consultations,

diagnostics, pharmacy services, and

follow-up care through connected

systems to enhance patient experience

and accessibility. It will initially offer

specialties such as internal medicine,

paediatrics, obstetrics and gynaecology,

and pulmonology, alongside diagnostic

services including X-ray, ultrasound,

and laboratory testing. As part

of the launch, Burjeel also introduced

an AED1 million community health

initiative, providing 1,000 residents

with AED1,000 in health credits for

services at the centre. The facility is

fully linked to Burjeel’s wider hospital

network, ensuring seamless access to

specialised care when required.

Wellfit Expands to Abu Dhabi with First Fitness

Hub Opening Summer 2026

Wellfit, part of the UAE-based

fitness collective Formative,

has announced plans to

launch its first fitness centre in Abu

Dhabi, marking its sixth location nationwide.

Scheduled to open at Reem

Mall in summer 2026, the flagship

facility will focus on strength and

conditioning while offering a comprehensive

wellness experience for

individuals and families. The centre

will feature HYROX-certified coaching,

specialised training programs, and performance

zones with advanced equipment

including sleds, air runners, and

BikeErgs. Additional amenities include

group exercise studios, a 22-bike spin

studio, recovery facilities like saunas

and cold plunges, and family-oriented

programs for children. This expansion

highlights Wellfit’s growth strategy

and commitment to inclusive, community-driven

health and wellbeing

across the UAE.

Abu Dhabi Pioneers UAE’s First Gene Therapy Clinical

Trial

Abu Dhabi has announced the

launch and funding of the

UAE’s first clinical trial focused

on a novel gene therapy targeting

MerTK-related retinitis pigmentosa, a

rare inherited eye disorder that leads

to progressive vision loss and eventual

blindness. Developed by Opus Genetics,

the therapy aims to address a condition

that currently has no approved

treatment options. The initiative is led

by the Department of Health – Abu

Dhabi in collaboration with the Authority

of Social Contribution – Ma’an,

alongside key partners including M42

and Cleveland Clinic Abu Dhabi, which

will serve as the trial site. The study

will evaluate both the safety and effectiveness

of the treatment, which uses

adeno-associated viruses to deliver

functional genes to affected retinal

cells. Clinical development is expected

to begin in 2026, reinforcing Abu

Dhabi’s role in advancing innovative

healthcare solutions.

Dubai Health Opens Paediatric Cardiac ICU at Al Jalila Hospital

Dubai Health has inaugurated

a paediatric cardiac intensive

care unit (ICU) at Al Jalila

Children’s Hospital, enhancing care

for children with complex heart conditions.

Developed through the Al

Jalila Foundation’s Hope Fund and

supported by donor Mohammed Abdullah

Saleh, the facility features 10

fully equipped beds for advanced

cardiac critical care. The unit strengthens

the hospital’s existing services,

which include around 200 paediatric

heart surgeries and over 300 cardiac

catheterisation procedures annually.

Designed with a family-centred care

approach, the ICU allows parents

to stay close to their children, offering

bedside accommodations and a

dedicated family area. This initiative

reflects Dubai Health’s ‘Children First’

commitment, combining specialised

clinical expertise with supportive

infrastructure to improve patient outcomes,

enhance recovery experiences,

and provide a holistic, compassionate

environment for young patients and

their families.


Al-Futtaim Health Offers Free Mental Health Consultations in the UAE

Al-Futtaim Health has launched

free mental health consultations

across the UAE through its

HealthHub clinic network, aiming to

boost community wellbeing and improve

access to professional care. The initiative

acknowledges that individuals and

families may face stress, anxiety, and

emotional challenges at different life

stages and provides timely support in a

safe, confidential environment. Patients

can receive guidance on managing stress,

sleep issues, and emotional wellbeing

from qualified specialists, including

licensed psychiatrists. The program also

promotes open conversations around

mental health while reducing barriers to

seeking help. Appointments are available

at HealthHub clinics across Dubai or via

dedicated channels, reflecting Al-Futtaim

Health’s commitment to holistic physical

and mental care.

Saudi German Hospital

Dubai Reports Ramadan

Surge in Home Healthcare

Saudi German Hospital Dubai has

reported a notable increase in

demand for home medical care

services during Ramadan, reflecting a

broader shift towards convenient, athome

treatment options. According to

SGH Homecare data, medical inquiries

rose by 28–35% compared to non-fasting

months, while overall demand increased

by 22% versus Ramadan 2025. A key

trend has been a 40% rise in requests for

hydration and multivitamin IV therapies,

as individuals seek support to manage

fatigue and dehydration during extended

fasting hours. The hospital’s homecare

program offers services such as doctor

consultations, nursing care, diagnostics,

and medication delivery at home, enabling

patients to maintain their health without

disrupting fasting routines. This growth

highlights evolving patient preferences

and the increasing reliance on flexible

healthcare delivery models.

Dubai Health Reports 46% Increase in Kidney

Transplants in 2025

Dubai Health recorded a 46%

increase in kidney transplant

procedures in 2025, reflecting

growing awareness and participation

in organ donation initiatives across

the UAE. Successful transplants rose

to 73, up from 50 in 2024, demonstrating

progress in expanding access

to critical, life-saving treatments.

The procedures were conducted under

the national organ donation and

C37, a private medical workspace

operated by Dubai Healthcare

City, has entered a strategic

collaboration with the Institute of

Vascular and Endovascular Sciences

at Sir Ganga Ram Hospital in India.

The partnership seeks to enhance

specialised vascular care services in

the UAE by integrating international

clinical expertise into the local healthcare

ecosystem. Under the agreement,

experienced vascular and endovascular

surgeons will join C37 to provide

advanced treatments for complex

arterial and venous conditions, including

minimally invasive procedures

and limb salvage interventions. The

initiative also fosters knowledge exchange

and professional collaboration

transplantation program, ‘Hayat’,

which promotes donor registration

and strengthens transplant capabilities

nationwide. The announcement

coincided with World Kidney Day,

highlighting the importance of early

diagnosis and treatment of kidney conditions.

This milestone underscores

the impact of coordinated efforts by

healthcare providers and authorities

in advancing specialised care.

DHCC’s C37 Partners with India’s Vascular

Sciences Institute to Enhance Care

in a regulated clinical environment. By

combining global expertise with local

delivery, it aims to improve patient

access, support innovation, and meet

rising demand for advanced medical

services in the UAE.


Technology


Major gaming festivals and esports tournaments are attracting young competitors and global audiences to the UAE.

Esports And Digital

Competition: The

UAE’s New Arena For

Youth Engagement

Esports and Digital Gaming are Emerging as

Powerful Platforms for Youth Engagement and

Innovation in the UAE

The United Arab Emirates is rapidly

emerging as a regional hub for esports

and digital competition, reflecting a broader

national focus on youth engagement,

innovation, and the digital economy. Investments

in gaming infrastructure, dedicated

esports arenas, and international

tournaments are positioning the UAE as

a key destination for competitive gaming

in the Middle East. Government-backed

initiatives and private sector partnerships,are

encouraging young talent to

explore opportunities. Beyond entertainment,

esports is increasingly recognised

for its potential to build digital skills, and

support creative industries. As the sector

grows, the UAE is shaping a dynamic

platform where technology, competition,

and youth development converge.


Esports and digital gaming have

rapidly evolved from niche entertainment

into a global competitive

industry attracting millions of

players and spectators worldwide. In the

United Arab Emirates, this transformation

is creating new opportunities for

youth engagement, digital entrepreneurship,

and technology-driven careers.

Supported by government initiatives,

advanced digital infrastructure, and

a young tech-savvy population, the

UAE is emerging as a regional hub for

esports and competitive gaming. By

investing in tournaments, education

programs, and gaming ecosystems, the

country is positioning esports as both

a platform for youth participation and

an increasingly important component

of the digital economy.

A Rapidly Expanding Gaming

Ecosystem

The global esports industry has grown

significantly over the past decade, with

professional leagues, streaming platforms,

and major tournaments drawing

audiences comparable to traditional

sporting events. The UAE is actively

capitalising on this momentum by developing

an ecosystem that supports

competitive gaming, content creation,

and game development.

Dubai has taken a leading role through

the Dubai Program for Gaming 2033,

which aims to position the city among

the world’s top gaming hubs. The initiative

is expected to create around 30,000

jobs and contribute approximately

USD1B to Dubai’s GDP over the next

decade, highlighting the economic

potential of the sector.

Government-backed initiatives are attracting

gaming companies, developers,

and esports organisations to establish

operations in the region. These efforts

are helping transform gaming from a

recreational activity into a structured

industry that contributes to innovation,

employment, and entrepreneurship.

Major Events Driving Industry

Growth

Large-scale gaming events have become

central to the UAE’s esports ecosystem.

One of the most prominent is the Dubai

Esports and Games Festival, which has

evolved into one of the region’s largest

gaming events.

Recent editions of the festival attracted

millions of participants and

gaming enthusiasts, featuring more

than 90 tournaments and over 130

gaming titles. The event also brought

together developers, startups, and

international gaming companies to

showcase emerging technologies and

creative projects.

The festival includes professional

competitions, community tournaments,

cosplay contests, and industry conferences.

These activities bring together

gamers, developers, investors, and

content creators, strengthening the

UAE’s position as a regional center

for gaming innovation.

Educational programs linked to the

festival have also engaged thousands

of students across the country, introducing

young participants to potential

careers in esports, game development,

and digital media.

Youth Development and Education

Initiatives

Youth engagement lies at the heart of

the UAE’s esports strategy. Competitive

gaming is increasingly recognised as

Investing in the gaming

and esports sector

supports the UAE’s vision

of building a competitive

digital economy driven

by innovation and youth

talent.”

H.E. Omar Sultan Al Olama, Minister of

State for Artificial Intelligence, Digital

Economy and Remote Work Applications,

UAE

a platform where young people can

develop valuable skills such as strategic

thinking, teamwork, and digital

communication.

Educational institutions across

the UAE are beginning to integrate

gaming-related programs into their

curriculum. Courses in animation,

game design, esports management, and

digital content creation are preparing

students for careers within the rapidly

expanding gaming industry.

Recent initiatives are also focused on

developing local talent. For example, a

collaboration between the Abdulla Al

Ghurair Foundation, the United Nations

Development Program, and technology

partners launched the UAE’s first game

development bootcamp, designed

to train around 500 Emirati youth in

gaming and esports management skills.

Such programs aim to equip young

participants with technical, entrepreneurial,

and leadership capabilities that

can support the growth of the region’s

digital entertainment industry.

Professional Leagues and Competitive

Platforms

The UAE is also expanding its professional

esports infrastructure. New

leagues and competitions are being

introduced to provide structured pathways

for aspiring professional players.

One major development is the

creation of the E-Gaming League, a

franchise-based esports competition

designed to operate similarly to traditional

sports leagues. The initiative

introduces draft systems and structured

teams competing across multiple

gaming genres, including multiplayer

online battle arena games, first-person

shooters, and sports simulations.

Such initiatives help professionalise

the esports ecosystem by creating clear

career pathways for players, coaches,

analysts, and broadcasters.

At the same time, regional and international

tournaments hosted in the UAE

are attracting top global players, further

elevating the country’s reputation as

a destination for competitive gaming.

Esports is rapidly transforming the

way young people engage with technology.

In the UAE, strong government

support, world-class infrastructure,

and a vibrant youth population are

creating the conditions for a thriving

gaming ecosystem.


Sports News

Saffie Osborne

Targets Dual Ride at

Dubai World Cup

Night

British jockey Saffie Osborne

is set to compete in two races

during the prestigious Dubai

World Cup meeting, expressing excitement

about participating in one of

global horse racing’s premier events.

She will ride “Heart of Honor” in the

main Dubai World Cup and “Brotherly

Love” in the UAE Derby. Osborne

highlighted that “Heart of Honor” has

shown strong performance in training,

with new headgear introduced to enhance

focus during races. Meanwhile,

“Brotherly Love” has demonstrated notable

improvement following its recent

victory in the Road to Kentucky Derby,

appearing race-ready despite modest

expectations. Osborne acknowledged

the competitive field, including leading

contenders such as “Forever Young,”

but remains optimistic about her

chances. She emphasised that both

horses possess the capability to outperform

predictions with the right race

conditions.

Nakheel Renews Dubai World Cup Sponsorship

for Milestone 30th Edition

Nakheel has reaffirmed its role as

an official sponsor of the 2026

Dubai World Cup, continuing

its long-standing association with one

of the world’s most prestigious horse

racing events. The renewed partnership

also includes sponsorship of the

USD2 million Dubai Golden Shaheen,

a key highlight on the race card.

Scheduled for 28 March at Meydan

Racecourse, this year’s event marks

the 30th anniversary of the Dubai

World Cup, celebrating three decades

of global sporting excellence and

Dubai’s rise as an international hub

for culture and lifestyle. Nakheel’s

continued involvement underscores

its commitment to supporting major

events that shape the emirate’s global

identity. The Dubai Golden Shaheen, a

premier sprint race, remains a standout

attraction, drawing elite international

contenders and reinforcing the

event’s global appeal.

Facteur Cheval Owner Travels From New York For

Dubai Turf Bid

Bart Siegel, part-owner of the

celebrated racehorse Facteur

Cheval, has travelled from New

York to Dubai to support the gelding’s

attempt to reclaim the Dubai Turf title

at Meydan. A member of the prominent

Team Valor syndicate, Siegel

has followed the horse across global

racing destinations, underscoring his

deep commitment to the sport. This

marks his fourth visit to Dubai, as he

backs the seven-year-old who secured

a memorable Group 1 victory at the

venue in 2024. Trained in France by Jerome

Reynier, Facteur Cheval has built

an international profile, competing at

elite levels across multiple countries.

Despite facing strong competition,

Siegel remains optimistic, emphasising

the horse’s consistency and resilience.

His journey highlights the global appeal

of the Dubai World Cup meeting,

attracting top talent and passionate

stakeholders from around the world.

UAE Strengthens Global Golf Standing as Chris Wood Clinches MENA Tour Title

The UAE has solidified its status

as a premier global golf destination

following Chris Wood’s outstanding

performance in the 2025–2026

MENA Golf Tour season. The English

golfer claimed the top spot on the

Order of Merit with 59,320 points,

marking a significant milestone in his

career while highlighting the rising

competitiveness of the tour. Spain’s

Juan Salama finished second, followed

by France’s Pierre Pineau and Wales’

Jack Davidson, showcasing the international

talent competing across the

region. Wood’s success was fueled by

three wins in multiple countries, reflecting

his strong return to form after

competing at elite levels, including

the Ryder Cup. His achievement also

grants him status on the HotelPlanner

Tour for the remainder of 2026. Beyond

individual accomplishments, the

MENA Golf Tour plays a crucial role

in nurturing emerging talent, boosting

sports tourism, and enhancing the

UAE’s reputation as a world-class

sporting hub, attracting players, fans,

and global attention alike.


UAE Football Association Extends Congratulations to Manchester Club

The UAE Football Association has

extended its congratulations to

Manchester City following the

club’s latest international milestone.

The association praised the team’s

exceptional performance, emphasizing

tactical discipline, consistency, and

composure under pressure in high-stakes

competitions. It also highlighted the role

of visionary leadership, squad depth,

and long-term development strategies in

achieving sustained success. The message

underscores the UAE’s commitment

to strengthening ties within the global

football community and recognising

excellence in the sport. By celebrating

such achievements, the association

honours elite performance while inspiring

emerging talent and promoting the

values of dedication, teamwork, and

sporting integrity across regional and

international football.

Zayed bin Saif bin Zayed

Al Nahyan Attends Launch

Of World Airsoft Games

Zayed bin Saif bin Zayed Al Nahyan

attended the launch of the World

Airsoft Games in Abu Dhabi, a

major international sporting event

bringing together around 60 teams

from more than 20 countries. During

his visit, he reviewed the progress and

praised the high level of organisation and

professionalism demonstrated by the

organising committees. He highlighted that

hosting such a large-scale event reflects

the UAE’s growing stature as a global hub

for modern and emerging sports. He also

emphasised the importance of airsoft

as a discipline that promotes tactical

thinking, teamwork, and physical fitness,

particularly among youth. The event

underscores the nation’s commitment

to developing diverse sporting platforms

while enhancing its international presence

and competitiveness in the global sports

arena.

UAE Team Emirates-XRG Clinches Milano-Sanremo

Victory

UAE Team Emirates-XRG secured

a landmark victory at the

prestigious Milano-Sanremo

race in Italy, with Slovenian cyclist

Tadej Pogačar delivering an exceptional

performance. The win marks

a significant achievement in one of

cycling’s oldest and most demanding

one-day classics, covering nearly

300 kilometres. Pogačar showcased

remarkable resilience and tactical brilliance,

overcoming challenges during

the race to claim the title in a thrilling

finish. His triumph not only reinforces

his standing among the sport’s elite

riders but also highlights the team’s

strategic strength and depth. The victory

further cements the UAE team’s

growing prominence on the global

cycling stage, reflecting its continued

investment in world-class talent and

competitive excellence across major

international competitions.

Course Routes Revealed For Modon World

Triathlon Abu Dhabi

The Abu Dhabi Sports Council,

in collaboration with World Triathlon,

has unveiled the course

routes for the Modon World Triathlon

Championship Series Abu Dhabi 2026,

set to take place at Hudayriyat Island.

The race will feature a swim segment

in the Arabian Gulf, followed by a

fast and smooth cycling course, and

a run segment offering scenic views

of Abu Dhabi’s skyline. Designed

entirely within the island, the routes

aim to deliver a dynamic and engaging

experience for athletes and spectators

alike. Enhancements to the cycling and

running sections will improve accessibility

for spectators, creating a more

vibrant atmosphere. The event will

also include multiple race categories,

encouraging broad community participation

across different age groups

and abilities.


Infographic

UAE Travel &

Visa Snapshot

Early 2026

Visa-Free Entry Expands to Key European Markets

France, Italy, Germany, Spain, Switzerland, Belgium, and Croatia now enjoy short-stay visa-free entry to the UAE for

up to 30 days. This policy aims to boost both leisure and business travel from Europe, strengthening the UAE’s position

as a global hub.

UK Travel Goes Fully Digital

From 25 February 2026, all UAE travelers heading to the UK must obtain a UK ETA or e-Visa before departure. This

requirement applies even to those who were previously visa-exempt. Airlines will deny boarding to passengers without

a valid ETA, so travellers are advised to secure theirs in advance.


UAE Entry Rules at a Glance

GCC Nationals: Visa-free access.

Other Countries: Visa-on-arrival for 30–90 days, depending on nationality.

Travel Tip: Always consult the Ministry of Economy & Tourism for the latest updates before travelling.

2025 Visitor Numbers: Growth in Motion

The UAE continues to see strong tourism growth:

Total visitors: Dubai H1: Dubai Jan–Dec: UAE Hotel Occupancy:

32.3 9.88 19.6 79.5%

million (+9% YoY) million (+6%) million (+5%)

Visitor Origins: Understanding Source Markets

The UAE attracts a diverse international audience:

Western Europe: GCC & MENA: South Asia: CIS & Eastern Europe:

22% 26% 15% 15%

of visitors – the largest

single source region

reflecting strong regional

travel links

combined


Travel News

Filipino Travel

Demand For UAE

Remains Strong

Travel demand from the Filipino

community to the UAE

continues to remain resilient,

according to Pinoy Tourism, despite

ongoing global uncertainties and

regional disruptions. The company

noted that visa enquiries and travel

planning activity have remained

steady, reflecting sustained interest

in the UAE as a preferred destination

for both leisure and visiting family.

This consistent demand is supported

by strong cultural ties, a large Filipino

expatriate population, and the UAE’s

diverse tourism offerings, ranging from

retail and entertainment to hospitality

experiences. Industry insights also

suggest that improved connectivity and

streamlined visa processes are further

encouraging travel flows. Looking

ahead, stakeholders remain optimistic

that this steady interest will translate

into increased bookings, reinforcing

the UAE’s position as a key outbound

travel destination for Filipino travellers

in the coming months.

Arabian Travel Market 2026 Rescheduled to August

in Dubai

The 2026 edition of the Arabian

Travel Market (ATM) has been

rescheduled and will now take

place from 17 to 20 August at the

Dubai World Trade Centre, instead of

its previously announced May dates.

Organisers stated that the move aims

to ensure the safety and well-being

of all participants while offering

greater flexibility for international

exhibitors and visitors. As one of the

Middle East’s most prominent travel

and tourism events, ATM plays a vital

role in bringing together destinations,

hospitality groups, airlines and travel

technology providers under one platform.

The upcoming edition, marking

its 33rd year, is expected to attract

a strong global presence, enabling

industry leaders to network, share

insights, and explore new business

opportunities that are shaping the

future growth and resilience of the

global tourism sector.

Ajman Tourism Partners With Coral Travel To Boost

European Reach

The Ajman Department of Tourism,

Culture and Media has

signed a cooperation agreement

with Coral Travel to strengthen

the emirate’s presence across key

European markets, including Germany,

Austria and Switzerland. The

partnership is designed to enhance

Ajman’s visibility as a preferred travel

destination through targeted marketing

campaigns and tailored travel packages

aligned with European traveller

preferences. The agreement also focuses

on expanding the emirate’s footprint

in high-value tourism segments while

diversifying its international source

markets. Both entities will collaborate

on analysing travel trends and

demand patterns to develop flexible,

market-responsive tourism offerings.

This strategic move supports Ajman’s

broader objective of driving sustainable

tourism growth, increasing visitor

numbers, and positioning the emirate

as a competitive destination known for

its cultural appeal, beachfront experiences

and family-friendly environment.

UAE Strengthens Global Leadership in Aviation and Tourism

The UAE has further reinforced

its position as a global leader

in aviation and tourism in 2025,

driven by strong passenger growth,

expanded airline networks and continued

infrastructure investment.

The aviation sector remains a central

pillar of the country’s tourism strategy,

supporting increased visitor flows

from key international markets. Major

carriers have significantly widened

their global reach, while airports

across the UAE have recorded notable

growth in passenger traffic and flight

movements. Enhanced connectivity,

coupled with the adoption of advanced

technologies such as artificial intelligence

and self-service platforms, has

improved operational efficiency and

passenger experience. Airports have

also received international recognition

for excellence in safety, sustainability

and service standards. These developments

collectively highlight the UAE’s

commitment to strengthening its global

competitiveness and maintaining

its status as a leading hub for travel,

tourism and aviation innovation.


Ajman Tourism Signs MoU with Horizon University College

The Ajman Department of Tourism,

Culture and Media has signed a

Memorandum of Understanding

with Horizon University College to

enhance collaboration in education,

tourism, and cultural development.

The agreement focuses on knowledge

exchange, sustainable development

initiatives, and strengthening the skills of

national talent within the emirate. Both

entities will collaborate on academic

and training programs tailored to the

evolving needs of the tourism sector,

while promoting research and innovation.

This partnership underscores Ajman’s

commitment to strategic alliances

with academic institutions, integrating

education with industry requirements,

developing a skilled workforce, and

supporting the emirate’s long-term tourism

growth and its position as a competitive,

culturally rich destination.

UAE Waives Visa Overstay

Fines for Travellers

Affected by Flights

The UAE has waived visa overstay

fines for travellers who were

unable to leave the country due

to flight suspensions and regional

airspace disruptions triggered by ongoing

geopolitical tensions. Authorities

confirmed that the exemption applies

to fines accumulated from February 28,

2026, when widespread travel disruptions

began affecting departures across the

region. The move is intended to support

travellers who were forced to remain in

the UAE after flights were cancelled or

delayed following airspace restrictions

in parts of the Middle East. The waiver

applies to visitors on tourist or visit

visas, individuals holding exit permits,

as well as residents who had cancelled

their residency visas in preparation for

departure but were unable to leave the

country. Typically, travellers who remain

in the UAE beyond their permitted stay

are required to pay daily overstay fines.

Abu Dhabi Opens $122M Al Reem Bridges, Cutting

Travel Time by 60%

Abu Dhabi has inaugurated two

new marine bridges connecting

Al Reem Island to Sheikh

Khalifa Bin Zayed Highway (E-12),

significantly enhancing the emirate’s

transport infrastructure and improving

connectivity across key districts. The

AED 450 million ($122 million) project

is expected to cut peak travel times by

up to 60%, reducing average commutes

to around 15 minutes while optimizing

Abu Dhabi has launched a new

initiative to support hotel renovations

in Al Ain, offering

financial incentives to property owners

as part of efforts to enhance tourism

infrastructure. The scheme, led by the

Department of Culture and Tourism,

provides a capital expenditure rebate

of up to 12 per cent on renovation

investments, along with an additional

5 per cent premium for projects that

upgrade hotel standards, convert properties

into branded establishments,

or restore heritage sites. The move

comes amid steady growth in Al Ain’s

tourism sector, which recorded over

473,000 visitors in 2025, marking a rise

of more than 9 per cent year-on-year.

Improved occupancy rates and rising

overall traffic flow. Designed to handle

heavy traffic, the bridges can accommodate

approximately 7,200 vehicles

per hour, strengthening access between

Al Reem Island and surrounding

areas while alleviating congestion.

This development is part of broader

efforts to upgrade road networks,

boost urban mobility, and enhance

transport efficiency in line with Abu

Dhabi’s long-term strategic goals.

Abu Dhabi Introduces Hotel Upgrade Initiative

in Al Ain

revenue per room further highlight

increasing demand, reinforcing the

need for upgraded hospitality offerings

to attract diverse travellers.


Wheels

THE FUTURE OF LUXURY ELECTRIC SUVS

250 km/h

Top Speed

700 Nm

Torque

500 hp

Horsepower


Genesis introduces its flagship electric SUV, redefining

premium mobility through innovation, design, and sustainability.

The all-new Genesis GV90 marks a defining step in the brand’s

evolution as it advances into the ultra-luxury electric vehicle

segment. As Genesis’ flagship SUV, the GV90 blends refined

craftsmanship with cutting-edge electric performance, positioning

itself as a strong contender among global premium EV

offerings. Designed to deliver both efficiency and power, it caters

seamlessly to urban mobility while remaining capable of

long-distance travel.

The exterior embodies Genesis’ signature design language,

featuring a sleek silhouette, distinctive two-line LED lighting,

and aerodynamic detailing that enhances both performance and

visual appeal. Its bold stance is complemented by a spacious

three-row layout, offering practicality without compromising

on elegance. The clean, modern design reflects a commitment

to sophistication and innovation.

Inside, the GV90 presents a lounge-inspired cabin that prioritises

comfort and advanced technology. Premium materials,

ambient lighting, and expansive digital displays create an

immersive driving environment. Integrated AI-driven systems

and advanced driver assistance features ensure a seamless and

intuitive user experience, elevating both safety and convenience.

Built on a next-generation electric platform, the GV90 is expected

to deliver strong performance through a dual-motor allwheel-drive

system. Fast-charging capabilities and an extended

driving range reinforce its practicality, while its quiet, refined

ride enhances overall comfort. Genesis continues to push the

boundaries of sustainable luxury, positioning the GV90 as a

benchmark for future electric SUVs.


Business News

Dubai Chambers, Customs, DP World Discuss Supply Chain Efficiency

Dubai Chambers convened a high-level

meeting with Dubai Customs

and DP World to assess logistics

requirements across key sectors amid

evolving global conditions. Moreover,

the session brought together 100 private

sector representatives to address operational

challenges and identify solutions.

The meeting focused on gathering firsthand

insights into sector-specific logistics

ADIA Backs Private

Credit Firm

Dignari

A

unit of Abu Dhabi Investment

Authority (ADIA) has invested in

Dignari Capital Partners (DCP), a

Hong Kong-based private credit investment

manager, as part of its strategy to expand

exposure to real estate-linked private

credit opportunities. The wholly owned

subsidiary of the sovereign wealth fund

committed capital to Dignari’s Asia

Pacific Developed Markets Private

Credit Strategy, a fund focused on

financing opportunities linked to the real

estate sector. The financial terms of the

investment were not disclosed. According

to Dignari, the fund will provide financing

to developers, construction companies

and related sectors across developed

markets in the Asia-Pacific region, with

a particular focus on Hong Kong. The

initiative is designed to support real

estate projects while offering investors

exposure to private credit opportunities

in established property markets.

needs. Additionally, participants engaged

in discussions on challenges affecting

shipping and logistics amid current

regional developments. Furthermore,

stakeholders explored practical solutions

in coordination with relevant partners

to ensure the smooth flow of goods. As

a result, the initiative aims to enhance

supply chain resilience and operational

efficiency across industries.

Business Leaders Highlight Dubai Resilience,

Investor Confidence

Business council leaders operating

under the Dubai Chamber of

Commerce said Dubai continues to

reinforce its status as a global benchmark

for economic resilience and agility.

Moreover, they attributed this position

to a well-integrated economic model

supported by proactive policies, strong

institutions, and close public-private

collaboration. Council representatives

highlighted the emirate’s diversified

economy, advanced infrastructure, and

institutional readiness as key strengths.

Additionally, they noted that openness to

global trade and investment continues to

sustain business confidence. Furthermore,

effective government communication and

ongoing engagement with the private

sector play a central role in fostering trust

and transparency. As a result, businesses

benefit from a stable environment that

supports continuity and long-term growth.

TAQA Confirms Normal Operations Across UAE

Entities

Abu Dhabi National Energy Company

confirmed that operations across

its UAE entities continue to

run normally despite current regional

developments. The company stated

that its core utility services remain

stable and fully operational. Moreover,

electricity generation, water desalination,

transmission, distribution and wastewater

services continue without disruption.

TAQA said it activated its risk management

and business continuity frameworks in

coordination with key stakeholders. As

a result, the company has maintained the

resilience of critical power and water

infrastructure across the United Arab

Emirates. The company added that these

measures ensure continued reliability

of essential utilities while monitoring

developments in the region.


Mubadala Energy Expands Indonesia Presence With Andaman Block

Abu Dhabi-based Mubadala Energy

has secured a fourth exploration

block in Indonesia’s

Andaman Sea, reinforcing its presence

in a region seen as a promising gas

basin in Southeast Asia. The newly

awarded Southwest Andaman block,

granted in Indonesia’s 2025 bid round,

will be operated by the company with

a 100% participating interest. It sits

alongside its existing South Andaman,

Central Andaman, and Andaman II

DP World Expands Jeddah

Capacity With Three New

Quay Cranes

DP World has strengthened its

operations at Jeddah Islamic

Port by installing three new

semi-automated quay cranes, enhancing

its ability to manage rising cargo volumes

along the Red Sea trade corridor.

Each crane, with a lifting capacity of

65 tonnes, is designed to improve berth

productivity and enable the handling

of larger container vessels more efficiently.

The addition increases the

terminal’s ship-to-shore crane fleet

and supports faster vessel turnaround

times. This expansion comes as shipping

activity in the region recovers,

with trade flows gradually stabilising

despite ongoing geopolitical challenges.

The move is part of a broader USD 800

million modernisation program aimed

at boosting capacity and operational

performance, positioning Jeddah as a

key logistics hub linking Asia, Europe,

and Africa while ensuring resilient and

reliable supply chain operations.

assets. The award follows several

years of technical and commercial

evaluation, reflecting Mubadala’s early

entry approach. Recent gas discoveries

in nearby areas add to the basin’s

potential, supporting the company’s

growth plans while contributing to

Indonesia’s energy security and future

upstream development. Appraisal work

is expected to clarify resource size

and timelines. exploration potential

in the basin.

Emaar Shareholders Greenlight USD 2.4B

Dividend Distribution

Emaar Properties shareholders

approved a full dividend payout

of AED 8.8 billion (USD 2.4

billion) at its Annual General Meeting,

in line with its dividend policy.

The meeting also endorsed board and

auditor reports for 2025. The company

reported record property sales of AED

80.4 billion, while backlog reached

AED 155 billion. Total revenue stood

at AED 49.6 billion, with steady growth

across operations.

Qatar’s Estithmar Holding Raises $29mln

Through Sukuk Issuance

Qatari investment firm Estithmar

Holding has launched the fourth

tranche of its sukuk program,

part of a broader QAR 3.4 billion ($93

million) issuance plan. The latest

tranche is valued at QAR 105 million

and has been listed on the London Stock

Exchange, reinforcing the company’s

access to international capital markets.

Estithmar, which operates across real

estate, tourism, and healthcare sectors

in more than 10 countries, continues

to expand its funding base through

diversified instruments. The program

began in August 2024 with an initial QAR

500 million issuance denominated in

Qatari riyals, offering an annual profit

rate of 8.75%. The continued rollout

of sukuk tranches reflects sustained

investor confidence and supports

the company’s long-term growth and

cross-border investment strategy.


Corporate Results

Saudi Aramco

FY’25 Net Profit: $93.4 Billion

Saudi Aramco reported a FY25 net

income of $93.4 billion, reflecting a

12% year-over-year decline attributed

to lower average crude prices of $69.2

per barrel. Demonstrating remarkable

cash generation, free cash flow reached

$85.4 billion, fully supporting a massive

$85.5 billion shareholder distribution.

Capital investments of $52.2 billion advanced

long-term capacity expansions,

while the gearing ratio improved to

3.8%. Operationally, Aramco realized

$5.3 billion in value from AI and digital

integration, optimized upstream

flaring to 6.07 scf/boe, and maintained

total liquids production at 10.3 million

barrels per day.

SABIC

FY’25 Net Profit: SAR (25.78)

Billion

SABIC recorded a statutory net loss

of SAR 25.78 billion for FY25, a stark

contrast to the prior year’s profit, driven

primarily by SAR 15.2 billion in non-cash

losses related to the strategic divestment

of European and global thermoplastic

assets. Furthermore, deferred tax asset

derecognitions impacted results by SAR

2.1 billion. Adjusting for these transformational

restructuring costs, net income

stood at a positive SAR 2.1 billion. Annual

revenue reached SAR 116.53 billion,

yielding an adjusted EBITDA margin of

14%. Despite the statutory loss, brand

value increased 5.4% to $5.19 billion.

e& (Etisalat Group)

FY’25 Net Profit: AED 14.4

Billion

e& delivered a record consolidated net

profit of AED 14.4 billion in FY25, marking

an exceptional 34% year-over-year

surge. Consolidated revenue expanded

by 23% to AED 72.9 billion, supported

by an aggregate subscriber base reaching

244.7 million. This massive growth

was fueled by the 100% acquisition of

Telenor Pakistan and strategic European

entries via Serbia Broadband and

UPC Slovakia. Undergoing a major

leadership transition with Masood M.

Sharif Mahmood appointed CEO, e&

advanced its transformation into a

global digital conglomerate, launching

5.5G networks and deploying enterprise

AI solutions.

stc (Saudi Telecom Company)

FY’25 Net Profit: SAR 14.83

Billion

stc group achieved its highest-ever

historical revenues of SAR 77.82 billion

in FY25, reflecting a 2.5% increase

driven by commercial and wholesale

segment momentum. Although statutory

net profit dropped 39.9% to SAR 14.83

billion due to a non-recurring SAR

13.97 billion gain from the previous

year’s TAWAL sale, underlying operational

profit expanded by 12.5%. The

operator significantly broadened its

digital footprint, deploying over 10,800

5G sites and executing a massive SAR

32.64 billion government infrastructure

contract. stc also achieved a critical

fintech milestone with the official

launch of STC Bank.

First Abu Dhabi Bank (FAB)


Billion

First Abu Dhabi Bank posted a record

FY25 net profit of AED 21.11 billion,

a 24% year-over-year surge, alongside

operating income of AED 36.68 billion.

Total assets climbed to AED 1.40 trillion

as lending grew 17% and customer deposits

rose 7%. Asset quality remained

highly resilient; the non-performing loan

ratio sat at 2.2% with a 108% provision

coverage, while the cost of risk dropped

to an impressive 57 basis points. Bolstered

by robust cross-border flows

and a 19.2% return on tangible equity,

FAB proposed an unprecedented cash

dividend of 80 fils per share.

Emirates Group


Billion

Emirates Group retained its status as

the world’s most profitable aviation

entity, generating a record profit before

tax of AED 22.7 billion and a post-tax

profit of AED 20.5 billion. Revenues

swelled 6% to an all-time high of AED

145.4 billion. This performance was

underpinned by a massive AED 14.0

billion capital injection driving Airbus

A350 inductions and a $5.0 billion

full-cabin retrofit program encompassing

219 aircraft. The dnata division

also achieved record profitability of

AED 1.6 billion, while total Group cash

reserves ballooned 13% to a historic

AED 53.4 billion.


QNB Group

FY’25 Net Profit: USD 4.77

Billion

QNB Group demonstrated formidable

resilience, posting a FY25 net profit of

USD 4.77 billion (QAR 18.4 billion before

pillar two taxes), representing a 10% yearover-year

increase. Operating income expanded

by 8% to USD 12.3 billion, sustained

by a 7% expansion in total assets

to USD 382 billion. Executing disciplined

risk management, QNB constrained its

non-performing loan ratio to 2.6% while

retaining a 100% coverage ratio. Maintaining

a highly robust capitalization profile,

the bank’s Capital Adequacy Ratio stood

at 19.3%, with a Liquidity Coverage Ratio

of 144%, comfortably exceeding global

regulatory thresholds.

Al Rajhi Bank


Billion

Al Rajhi Bank continued its systemic expansion,

delivering an FY25 net income

of SAR 24.79 billion, a 26% year-overyear

increase. Total operating income

surged 22% to SAR 39.09 billion, driven

by a 20% rise in net yield income and a

25% escalation in banking service fees.

The financing portfolio climbed 9% to

SAR 753 billion. Operational efficiency

reached market-leading levels, with

the cost-to-income ratio dropping to

23.3%. Enhanced digital infrastructure

successfully expanded the active customer

base to 20.6 million, prompting

the board to approve a capital increase

from SAR 40 billion to SAR 60 billion.

Emaar Properties


Billion

Emaar Properties capitalized on unparalleled

domestic demand, achieving

record FY25 property sales of AED

80.4 billion, a 16% annual increase.

Total revenue skyrocketed 40% to AED

49.6 billion, while net profit before tax

escalated 36% to AED 25.7 billion. A

pivotal metric of future stability, the

revenue backlog expanded by 39% to

AED 155 billion. Concurrently, Emaar’s

recurring revenue portfolio—including

hospitality and malls operating at 98%

average occupancy—generated AED

10.5 billion. Supported by significant

international sales growth of 124%,

the developer successfully launched

major civic assets like the Dubai Mall

Exhibition Centre.

Qatar Airways

FY’25 Net Profit: USD 2.15

Billion

Qatar Airways achieved the strongest

financial results in its history for FY24-

25, recording a net profit of USD 2.15

billion, a 28% year-over-year surge.

The carrier transported 43.1 million

passengers, while its industry-leading

cargo division reported a 17% revenue

increase. Propelled by its ‘Qatar Airways

2.0’ strategy, the group executed aggressive

geopolitical expansion, acquiring

strategic 25% minority stakes in Virgin

Australia and South African regional

carrier Airlink. Augmented by the Hamad

International Airport expansion

to a 65 million passenger capacity, the

airline actively integrated cutting-edge

technology, including Starlink WiFi and

AI-powered cabin crew.

Saudi National Bank (SNB)


Billion

Saudi National Bank entrenched its

status as the Kingdom’s premier financial

institution, realizing a record

FY25 net income of SAR 25.01 billion,

an 18% annual increase. Operating

income advanced 9%, propelled by an

11% expansion in total financing that

drove total assets to SAR 1.21 trillion.

Operational excellence was highlighted

by a peer-leading cost-to-income ratio

of 15.0%. SNB maintained pristine

capitalization and liquidity, reporting

a Tier 1 Capital Adequacy Ratio of

21.2% and a Liquidity Coverage Ratio

of 285.1%, ensuring robust bandwidth

to finance the Kingdom’s massive

Vision 2030 infrastructure and digital

transformation mandates.

Kuwait Finance House (KFH)

FY’25 Net Profit: KD 632.1

Million

Kuwait Finance House maintained its

dominance in the domestic market,

posting an FY25 net profit of KD 632.1

million, a 5% year-over-year increase

that ranks as the sector’s highest. Total

operating income expanded 10.7%

to KD 1.2 billion, with net financing

income reaching KD 1.3 billion. Total

assets grew by 16.5% to KD 42.8 billion,

anchored by a Capital Adequacy Ratio

of 19.81%. The bank executed highly

strategic financing mandates, including

a KD 1.5 billion deal with Kuwait Petroleum

Corporation, and successfully

issued $1 billion in Sukuk to strengthen

its long-term funding profile.


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Finance World Magazine | Edition: April 2026

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Finance World Magazine | Edition: April 2026

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