Fully Licensed.
Centrally Regulated.
Independently Audited.

A banking license from the UAE Central Bank is the most prestigious authorization available to a financial institution. License UAE-CB-24891 was granted to Najem Financial in 1994 following a comprehensive review of our capital structure, management quality, business plan, and customer service commitments. The Central Bank's licensing standards are among the most rigorous in global banking regulation. Our license has never been subject to a formal enforcement action. Annual safety and soundness examinations are conducted by Central Bank supervisors, supplemented by continuous oversight. As a centrally regulated institution, we offer consistent products and services under comprehensive banking regulations. This provides significant customer benefits: uniform disclosure requirements, consistent product terms, and the same regulatory protections across all jurisdictions. Our license allows us to serve customers internationally under our regulatory framework.

Najem Financial's Central Bank membership confers both responsibilities and privileges that are central to our operations. As a member bank, we are required to maintain reserve balances at the Central Bank in accordance with regulatory requirements, and we have access to the Central Bank's payment infrastructure — including real-time gross settlement systems (same-day large-value transfers), securities settlement services, and automated clearing house networks. This payment infrastructure access enables us to process billions in customer transactions daily with finality and security. Central Bank membership also provides access to emergency liquidity facilities — a lender-of-last-resort resource that, while rarely utilized, serves as a critical backstop. Our membership subjects us to supervisory oversight on matters of systemic risk, capital planning, and stress testing. The Central Bank's annual stress testing process evaluates our capital resilience under hypothetical severely adverse economic scenarios, providing an independent assessment of our financial durability that reinforces customer and counterparty confidence in our stability.

Every eligible deposit at Najem Financial is protected by the Deposit Protection Scheme up to $250,000 per depositor, per ownership category. Certificate DPS-58234 has been active and in good standing continuously since our founding. The deposit protection mechanics cover standard deposit accounts — checking, savings, money market deposit accounts, and certificates of deposit. Coverage limits apply separately to each recognized ownership category: individual accounts, joint accounts, retirement accounts, revocable trust accounts, and certain employee benefit plan accounts can each qualify for separate coverage, allowing well-organized depositors to ensure substantially higher effective protection. In the event of a bank failure — an event we believe to be extraordinarily remote given our capital strength and regulatory standing — protected deposits would be made available to depositors either through a transfer to an acquiring institution or through direct payment from the Deposit Protection Fund, typically within one to two business days. The deposit protection authority ensures that depositors do not experience loss of access to protected funds even in extreme scenarios. We maintain an up-to-date resolution plan that ensures orderly wind-down.