The United Arab Emirates is experiencing a flourishing economic culture characterized by resilience and prudent financial planning, rooted in visionary leadership and stable economic foundations. This environment is fostering a growing commitment to long-term wealth creation among individuals and businesses. The UAE demonstrates that a well-organized economy enhances the confidence of savers and encourages them to adopt a forward-looking approach to financial planning.
In line with this national momentum, National Bonds Corporation, a leading provider of Sharia-compliant savings and investment products in the UAE, has announced its strongest annual performance in two decades. This announcement coincides with the celebration of its 20th anniversary, revealing an investment portfolio exceeding 18 billion dirhams, with a 14% annual growth rate and a profit distribution rate of 4.45% for the year 2025.
The number of regular savers rose by 37% compared to 2024, reflecting a deepening culture of saving and a clear shift towards long-term financial planning. Additionally, corporate liquidity solutions and treasury services saw a remarkable growth of 28%, indicating robust relationships within the business community and an increasing demand for reliable, efficiently managed financial solutions.
Khalifa Al Dabbous, Chairman of National Bonds Corporation, stated, “The UAE continues to establish the highest global standards for economic performance, rooted in its systematic vision for the future. Over the past two decades since the establishment of National Bonds, we have proudly contributed to the overall economic advancement of the nation by fostering a culture of saving built on trust and commitment, aiming to provide long-term added value. The success and growth of our company during this period is reflected not only in our financial results but primarily in the trust bestowed upon us by bondholders, which has reinforced our vital role in supporting the nation’s financial ecosystem.”
Mohammed Qasim Al Ali, CEO of the National Bonds Group, commented on the financial results by saying, “Surpassing a portfolio of 18 billion dirhams confirms the consistent and sustainable growth we achieve, driven by the trust of our customers. Over the years, more than a million clients have utilized our financial and savings solutions, revealing committed and conscious behaviors towards disciplined saving as a foundation for future financial planning. Our distinguishing feature is the deep trust we have gained from individuals, families, and businesses, who continue to select us as a reliable partner for their long-term financial security.”
He added, “Having built this trust over two decades of work, we aspire to expand this impact, embedding regular saving and financial awareness as a deeply rooted culture within all segments of the Emirati society.”
Digital innovation continues to play a crucial role in empowering customers to manage their savings efficiently through the company’s platforms. With a remarkable 72% increase in digital savings services, National Bonds has launched an AI-supported digital guide, becoming the first financial institution in the UAE to integrate platforms like ChatGPT to assist customers in making informed and reliable decisions. This move reinforces the company’s leadership in Islamic banking, financial inclusion, and the adoption of modern technology platforms.
In alignment with the declaration of 2025 as “Year of the Family” in the UAE, company data indicates an increase in trust among women, reflected in their proactive roles in family financial planning. This is evidenced by an annual growth of 11.33% in sales of services to female customers, along with an increase of nearly 290 million dirhams in the client base of that demographic within the company’s portfolio for 2025.
Since its inception, the company has distributed over 4 billion dirhams in profits and bonuses, including more than 830 million dirhams in distributed bonuses alone, and has assisted 232 clients in becoming millionaires, providing compelling evidence that disciplined and regular saving can lead to significant and tangible transformations in individuals’ financial futures.
As National Bonds enters its third decade, it embarks on a renewed strategic clarity that transcends the concept of institutional growth, aiming for a broader and deeper purpose: to contribute to building a financially healthy community.