The United Arab Emirates continues to strengthen its leadership in developing innovative investment tools, as evidenced by the “Individual Sukuk” initiative launched by the Ministry of Finance in November 2025. This initiative has been yielding significant results, highlighting the robustness of the national economy and the strength of the financial sector. It has successfully established itself as a secure and attractive investment option for individuals. According to the latest figures, the total trading volume in sukuk and segmented bonds reached approximately 10.84 million dirhams, involving 464 investors. This reflects growing confidence in the investment climate of the UAE, even amid global economic challenges.
Sound Fiscal Policies
Younis Haji Al Khoori, Undersecretary of the Ministry of Finance, stated that the achievements of the “Individual Sukuk” initiative showcase the strong economic foundations of the UAE and the resilience of its financial sector. The increasing interest from investors signifies enhanced investment awareness and community trust in government financial instruments. These indicators arise from sound fiscal policies and a strategic vision focused on financial sustainability and income diversification, underpinning the competitiveness of the national economy.
He emphasized that the ministry is committed to developing a comprehensive system that enables individuals to access safe and transparent investment tools, supporting financial inclusion and economic stability for households. He noted that partnerships with national banking institutions have significantly contributed to expanding the initiative’s scope and improving distribution channels, aligning with global best practices and promoting the initiative among various community segments.
He concluded by emphasizing that the “Individual Sukuk” initiative is a vital component in developing public debt frameworks and diversifying the investor base, enhancing the efficiency of local financial markets, bolstering investor confidence, and solidifying the UAE’s status as a regional and global financial center known for its stability and reliability.
Enhancing Investment Culture
Data indicates that new investors accounted for approximately 66% of the total trading value, equivalent to 7.16 million dirhams from 248 investors. This demonstrates the success of the initiative in attracting new tiers and promoting investment culture. Current investors contributed around 3.67 million dirhams (34%) through 216 investors, reflecting ongoing reinvestment activity and rising levels of confidence.
Strength of Partnerships and Distribution Channels
In terms of distribution channel efficiency, Emirates NBD and Emirates Islamic Bank led the investment activities, contributing a total of 6.35 million dirhams (59%) across 275 investors. This illustrates the effectiveness of distribution channels and the expansion of reach. Abu Dhabi Islamic Bank recorded investments amounting to 4.48 million dirhams (41%) from 189 investors, supported by strong participation from new investors (128 investors), confirming the effectiveness of strategic partnerships in enhancing the initiative’s visibility.
Secure and Balanced Investment
The behavior of investors showed a preference for short- to medium-term issuances, with the May 2027 issuance being the most traded at 3.41 million dirhams, followed by the May 2026 issuance at 2.62 million dirhams. This reflects a preference for secure and balanced investments.
Raising Awareness and Partnership
In this context, the Ministry of Finance, in collaboration with participating national banks, continues to implement a comprehensive awareness program that enhances investment culture and empowers individuals to make informed financial decisions. This collaboration exemplifies an advanced model of partnership and integration between the public and private sectors in achieving national objectives through coordinated efforts and complementary roles, contributing to broadening the investor base and promoting sustainable financial stability. It aligns with the broader goals of community cohesiveness and integration while supporting financial stability for families, empowering them economically, and enhancing quality of life on sustainable grounds.