National Bank of Fujairah
AADX:NBF4.84
AED
+0.09
(+1.89%)
ISIN
AEN000801011
Return %
Stock
S&P 500
1Y
22.53
14.20
3Y
12.93
81.12
5Y
13.17
68.34
Capital Structure
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Company Description
- CEO
- Adnan Anwar
- Full Time Employees
- 878
- Sector
- Finance
- Industry
- Major banks
- Address
- Fujairah United Arab Emirates
- IPO Date
- Oct 23, 2005
- Website
- nbf.ae
- Similar Companies
- Business
- National Bank of Fujairah PJSC is a United Arab Emirates-based financial institution that provides a comprehensive range of commercial, corporate, retail, Islamic, and treasury banking services. Established in 1982 by royal decree and commencing operations in 1984, the bank is headquartered in the Emirate of Fujairah and operates under the majority ownership of the Government of Fujairah, with its shares publicly traded on the Abu Dhabi Securities Exchange under the ticker symbol NBF. The bank organizes its operations into four core business segments: Corporate and Institutional Banking; Business Banking; Retail Banking; and Treasury, Asset and Liability Management, and Others. Through these divisions and its dedicated Shariah-compliant window, NBF Islamic, the company provides an extensive portfolio of financial products and specialized services, including: Corporate and commercial lending solutions comprising syndicated loans, structured trade finance, working capital facilities, project financing, real estate financing, and equipment leasing; specialized sector financing with tailored solutions for marine, energy, and infrastructure industries; niche bullion and jewelry financing, wherein the bank operates as a prominent bullion bank delivering physical gold and silver financing, consignment facilities, diamond inventory funding, and commodity hedging derivatives; Small and medium-sized enterprise (SME) banking services offering customized business current accounts, invoice discounting, supply chain financing, payroll administration, commercial vehicle loans, and merchant point-of-sale acquiring; Retail banking products encompassing current, savings, and fixed-deposit accounts; residential mortgages and home loans; personal unsecured financing; auto loans; branded credit, debit, and prepaid payment cards; bancassurance policies; and personal wealth management solutions; Islamic banking solutions structured under Shariah-compliant contracts such as Murabaha, Ijara, Wakala, Mudaraba, and Tawarruq, covering retail deposits, auto and home financing, Islamic corporate working capital, and Islamic bullion facilities; Treasury and capital market products encompassing foreign exchange spot, forward, and option contracts; interest rate hedging instruments; money market placements; sovereign and corporate fixed-income trading; and structured liquidity management solutions. The bank delivers its services through an extensive nationwide branch network across the United Arab Emirates, complementary automated teller machines and cash deposit machines, and digital channels powered by its NBF Direct online and mobile banking platforms. The institution also maintains operating subsidiaries, including NBF Financial Services FZC and NBF Markets (Cayman) Limited. In recent operational developments, National Bank of Fujairah has accelerated its digital transformation and ecosystem expansion through several major partnerships and business initiatives. The bank implemented Intellect Global Transaction Banking's cloud-native eMACH.ai platform on Microsoft Azure to modernize its wholesale transaction banking and SME services. To broaden physical and agency banking reach, NBF established a strategic collaboration with LuLu Exchange to deploy automated teller and cash deposit infrastructure across customer engagement centers in the UAE. The bank also entered into an agreement with Network International to provide corporate clients with comprehensive omnichannel digital payment acceptance capabilities. Furthermore, NBF signed a memorandum of understanding with the Sharjah Airport International Free Zone to introduce dedicated banking services and representative support for free zone investors, partnered with Almoe Group to offer specialized technology and digital transformation financing across the MENA region, expanded SME credit access through an alliance with Numou, and initiated an enterprise-wide workforce upskilling program in artificial intelligence and data analytics with Accenture LearnVantage.