Corporate Banking in UAE
RAROC profiles and pricing benchmarks for 1 UAE banks, sourced from Pillar 3 disclosures.
Last updated: March 2026 · Data source: public Pillar 3 disclosures
Banks tracked
1
Headquartered in UAE
Total corporate EAD
EUR 264bn
Combined exposure
Avg cost-to-income
30.5%
Operating efficiency
Avg corporate PD
2.40%
Probability of default
Overview
OpenRAROC tracks 1 banks headquartered in UAE with a combined corporate credit exposure of EUR 264bn. The average UAE bank in our dataset has a cost-to-income ratio of 30.5% and an average corporate probability of default of 2.40%. On a representative BBB+ EUR 25M 5-year term loan, these banks generate an average RAROC of 7.18%.
Cheapest vs most expensive in UAE
On the standard sample deal, Emirates NBD is the cheapest lender in UAE, requiring just 248bp to hit a 12% RAROC hurdle. The most expensive is Emirates NBD at 248bp — a difference of 0bp on the same deal. For a EUR 25M facility, that's EUR 0 per year in interest expense.
All 1 banks ranked by RAROC
RAROC computed on a representative BBB+ rated, 5-year, EUR 25M term loan at 150bp spread. Click any bank for its full profile.
| # | Bank | C/I | Avg PD |
LGD | EAD | RAROC | Min spread |
| 1 | Emirates NBD | 30.5% | 2.40% | 45.0% | EUR 264bn | 7.18% | 248bp |
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FAQ: corporate banking in UAE
How many banks in UAE does OpenRAROC cover?
OpenRAROC tracks 1 banks headquartered in UAE, with a combined corporate credit exposure of EUR 264bn reported in their most recent Pillar 3 CR6 disclosures.
Which UAE bank has the tightest corporate credit pricing?
On a representative BBB+ EUR 25M 5-year term loan, Emirates NBD requires the lowest minimum spread to clear a 12% RAROC hurdle (248bp), making it the cheapest lender in the UAE cohort on that specific deal.
What is the average cost-to-income ratio of UAE banks?
The 1 UAE banks in the dataset report an average cost-to-income ratio of 30.5% and an EAD-weighted average corporate probability of default of 2.40%.
How is RAROC calculated for UAE banks?
Each bank is priced on the same BBB+ EUR 25M 5-year term loan, using its own disclosed cost-to-income, effective tax rate, funding spread, and IRB-approach PD/LGD parameters. See the methodology page for the full formula.