The UAE banking sector resilience remains strong, according to Khaled Mohamed Balama, Governor of the Central Bank of the UAE (CBUAE).

Balama said the UAE’s banking and financial sector continues to demonstrate high levels of resilience and stability. Banks, financial institutions, and insurance companies across the country are operating normally. They are also delivering services to customers and the public efficiently and without disruption nationwide.

He noted that for more than 53 years, the CBUAE has built a distinguished legacy of achievements. Guided by the vision of the UAE leadership, the Central Bank has played a key role in safeguarding the resilience, strength, and stability of the country’s financial and banking system.

At the same time, Balama said the sector has remained strong despite successive geopolitical developments across the region. According to him, the Central Bank and the UAE’s banking and financial sector have consistently demonstrated resilience, adaptability, and sustained growth.

As a result, this has reinforced the UAE’s position as a trusted and secure destination. It has also strengthened the country’s role as a leading financial hub at both regional and global levels.

He added that this legacy reflects strong foundations built on sound governance, institutional discipline, financial sector diversification, and proactive risk management. In addition, the sector maintains a high level of preparedness to respond effectively to regional developments.

Balama further said the UAE’s banking and financial sector continues to maintain strong levels of capital adequacy and liquidity. Currently, the capital adequacy ratio stands at 17 percent. Meanwhile, the Liquidity Coverage Ratio exceeds 146.6 percent. Both figures remain significantly above regulatory thresholds recommended by international supervisory bodies and global financial institutions.

Moreover, total assets of the UAE banking and financial sector now exceed AED 5.42 trillion. This reflects the scale and strength of financial institutions operating in the country. It also highlights their ability to meet obligations and support economic activity under different conditions.

Balama also confirmed that the UAE’s banking systems, payment systems, and national financial infrastructure continue to operate efficiently and with stability. These systems are supported by advanced operational and technological frameworks that ensure seamless, secure, and uninterrupted banking and financial services.

Furthermore, financial and banking institutions in the UAE implement advanced frameworks for risk identification, risk management, and business continuity. These frameworks align with leading international standards and best practices. As a result, they strengthen the sector’s ability to address potential developments and emerging challenges with agility and resilience.

The CBUAE also maintains close coordination with relevant authorities and financial institutions. According to Balama, this helps closely monitor developments and ensure full operational readiness while maintaining uninterrupted banking and financial services across the country.

In line with its supervisory and regulatory mandate, the Central Bank continuously monitors key indicators of financial stability and liquidity across the sector. It also conducts regular assessments and stress-testing exercises to ensure the continued soundness and resilience of the financial system.

Additionally, the Central Bank maintains a comprehensive framework of prudential and monetary policy tools. These tools allow it to take timely and appropriate action whenever necessary to safeguard financial stability and reinforce confidence in the banking sector.

Balama said the Central Bank has consistently fulfilled this role throughout various regional developments.

In conclusion, he reaffirmed the Central Bank’s commitment to closely monitor developments and maintain full operational readiness. He also highlighted its continued support to safeguard progress achieved over more than five decades. These efforts will continue to strengthen UAE banking sector resilience while contributing to the country’s sustainable development journey.

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