What is Emirates NBD Group’s USD 2.25 billion financing deal announced in 2026?

Emirates NBD Group successfully closed USD 2.25 billion in long-term financing, comprising a USD 1.75 billion five-year sustainability-linked syndicated term loan arranged by Emirates NBD and a USD 500 million five-year Club Commodity Murabaha term facility arranged by Emirates Islamic. Together, the facilities represent one of the largest syndicated borrowings in the GCC region.

How was Emirates NBD’s USD 1.75 billion sustainability-linked syndicated loan structured?

The sustainability-linked loan was structured as a five-year syndicated term facility aligned to sustainability performance metrics. Initially launched at USD 1 billion, strong international demand resulted in oversubscription of more than two times, allowing the facility size to be increased to USD 1.75 billion.

Why was Emirates NBD’s sustainability-linked loan oversubscribed by global investors?

The oversubscription reflects strong global investor confidence in Emirates NBD’s credit strength, supported by its solid balance sheet, disciplined financial management, and established track record in accessing international capital markets.

What are the key benefits of this long-term USD financing for Emirates NBD Group?

The transaction strengthens the Group’s liquidity position, diversifies its funding sources, enhances its long-term USD funding profile, and supports the execution of Emirates NBD Group’s strategic growth ambitions while enhancing shareholder value.

How does the USD 1.75 billion sustainability-linked loan support Emirates NBD’s strategy?

The facility supports Emirates NBD’s strategy by providing long-tenor USD funding at competitive pricing, reinforcing the Group’s commitment to sustainable finance and enabling continued investment in long-term growth priorities.

What does the oversubscription of Emirates NBD’s syndicated loan indicate about its credit profile?

The strong oversubscription indicates high levels of international lender confidence in Emirates NBD’s credit quality, resilience, and future prospects despite a challenging regional and global environment.

How did Emirates NBD achieve tight pricing despite volatile market conditions?

Despite global and regional market challenges, the sustainability-linked loan achieved the tightest pricing in Emirates NBD’s history for a syndicated loan, reflecting strong lender appetite, effective execution, and the Group’s standing as a preferred counterparty.

Why do international banks participate in Emirates NBD’s syndicated financings?

International banks participate due to Emirates NBD’s strong balance sheet, transparent governance, and the UAE’s robust regulatory framework, all of which underpin confidence in the Group as a long-term partner.

Is this one of the largest syndicated loan transactions in the GCC banking sector in 2026?

Yes. The combined USD 2.25 billion financing represents one of the largest syndicated borrowings in the GCC region in 2026.

How does this transaction reflect the UAE’s financial sector resilience?

The strong participation from 15 financial institutions across the Americas, Europe, and Asia highlights continued confidence in the UAE’s economic resilience, regulatory environment, and its banking sector’s access to global liquidity.

How does Emirates NBD compare to other regional banks in accessing international capital markets?

The transaction reinforces Emirates NBD’s established presence in international loan markets and demonstrates its ability to consistently access diversified global funding sources at competitive terms.

What is a Club Commodity Murabaha facility?

A Club Commodity Murabaha facility is a Shariah-compliant financing structure commonly used in Islamic banking, where funds are provided through commodity-based transactions in accordance with Islamic principles.

How did Emirates Islamic structure its USD 500 million Club Commodity Murabaha facility?

Emirates Islamic arranged a USD 500 million five-year Club Commodity Murabaha term facility, achieving highly competitive pricing among regional Islamic peers and completing the transaction within an accelerated timeframe.

How does Emirates NBD Group integrate conventional and Shariah-compliant financing?

Through its dual-banking model, Emirates NBD Group combines conventional financing solutions with Shariah-compliant structures via Emirates Islamic, enabling it to serve a broad range of institutional and investor needs.

Why is Emirates NBD Group considered a leader in Shariah-compliant sustainable finance?

The Group has a strong track record in integrating sustainability with Islamic finance, including Emirates Islamic’s issuance of the world’s first sustainability-linked financing sukuk in 2025 and continued leadership in Shariah-compliant funding solutions.

What is a sustainability-linked loan?

A sustainability-linked loan is a financing structure where pricing or terms are linked to the borrower’s achievement of predefined sustainability performance targets, aligning financing with ESG objectives.

How does sustainability-linked financing support long-term banking strategies?

Sustainability-linked financing aligns funding strategies with ESG commitments, supports responsible growth, and strengthens engagement with global lenders increasingly focused on sustainable finance frameworks.

How is Emirates NBD embedding sustainability into its capital markets activity?

Emirates NBD integrates sustainability considerations across its financing activities, supported by its leadership in sustainability reporting, sustainable finance structures, and ESG-aligned funding instruments.

How many financial institutions participated in the transaction?

The combined transaction attracted participation from 15 financial institutions across the Americas, Europe, and Asia.

Which institutions acted as coordinators on the transaction?

Bank of America, BNP Paribas, DBS Bank Limited, and Emirates NBD Capital Limited acted as Coordinators, Book-Runners, and Sustainability Coordinators on the Emirates NBD transaction. Emirates NBD Capital Limited acted as sole coordinator for the Emirates Islamic transaction.

Why is this transaction strategically important for Emirates NBD Group?

The financing reinforces Emirates NBD Group’s leadership in global and regional loan markets, strengthens liquidity and funding diversification, and supports the Group’s long-term strategic growth objectives.

Emirates NBD elevates digital banking experience with launch of Rewards Hub on ENBD X

3 Min | 10 June 2026

New integrated digital marketplace designed to transform how customers engage with rewards, travel, shopping, gifting and lifestyle experiences

Dubai, UAE, 10 June 2026: Emirates NBD, a leading banking group in the Middle East, North Africa and Türkiye (MENAT) region, launched ‘Rewards Hub’ on its award- winning digital banking platform ENBD X. The newly integrated digital marketplace is designed to revolutionise how customers interact with rewards, travel, shopping, gifting and lifestyle experiences, bringing them all into a single unified ecosystem.

Developed in collaboration with Vernost Marketing Technology Solutions, Rewards Hub consolidates multiple lifestyle and commerce services directly within the ENBD X application, offering customers greater convenience, flexibility and choice.

The launch highlights Emirates NBD’s continued strategic focus on enhancing customer experience through innovation and ecosystem-led digital banking solutions. By seamlessly integrating travel, commerce, rewards and lifestyle offerings into a single experience, it elevates the ENBD X App into a highly personalised and versatile lifestyle companion for its active user base of over one million customers.

Rohit Garg, Group Head of Retail Products and Chief Digital Officer of Retail Banking and Wealth Management at Emirates NBD, said: "The launch of Rewards Hub marks another important step in our journey to transform ENBD X into a comprehensive lifestyle and financial ecosystem. Customers today expect seamless, personalised and value-driven digital experiences, and Rewards Hub has been designed to deliver exactly that through a single integrated platform.”

To celebrate the launch, Emirates NBD is offering exclusive promotional discounts. During the first month of the launch, customers will receive up to 15% off across flights, hotels, Apple Store products and local experiences. Additionally, Emirates NBD is introducing a promotional campaign where customers will stand a chance to win AED 10,000 weekly for 12 weeks.

Rewards Hub introduces a wide range of benefits designed to cater to diverse customer needs:

Seamless flight bookings
Customers can effortlessly search and book domestic and international flights directly through ENBD X with flexible payment options.

Hotel reservations
The platform allows users to book hotels worldwide with competitive rates, map-based discoveries, smart filters and flexible redemption capabilities.

Direct Apple Store integration
Customers can purchase Apple products directly via Rewards Hub using Plus Points, card payments or a combination of both.

Curated lifestyle experiences
The Hub features a dedicated marketplace featuring curated dining, attractions, entertainment and lifestyle experiences that customers can book directly through the platform.

Instant point transfers
The system enables instant conversion of Plus Points into airline miles and partner rewards, expanding redemption flexibility and value.

Digital gift cards
Customers can instantly purchase and redeem digital gift cards across leading retail and lifestyle brands.

Affiliate cashback marketplace
Customers can shop through partnered merchants and earn cashback seamlessly, creating additional value beyond traditional rewards programmes.

Personalised card deals
Customers can browse personalised Credit and Debit Card offers directly within ENBD X for easier access to ongoing merchant promotions and discounts.

To simplify the customer journey, the platform offers multiple flexible payment options. Users can choose to pay entirely by card, redeem accumulated points, use a ‘part payment’ model combining both cards and points or distribute the costs through easy installment plans.

As customer expectations continue to evolve, Emirates NBD remains at the forefront of innovation by creating digitally connected experiences that extend beyond banking, reinforcing ENBD X as one of the region’s leading lifestyle and financial super Apps.