Al Masraf

What Al Masraf does

Al Masraf (Arab Bank for Investment and Foreign Trade PJSC) is a UAE-based wholesale and corporate bank founded in 1975 and headquartered in Dubai. The bank provides corporate banking, corporate financing, transaction banking, and SME banking services, operating as a Public Joint Stock Company incorporated in the United Arab Emirates. Its primary customer segment is corporate and institutional clients, distributed through direct relationship banking rather than retail channels.

The bank's business model is structured around traditional wholesale banking revenue streams — net interest income from corporate and SME lending, transaction banking fees, and increasingly, capital-markets activity. In January 2026, Al Masraf executed its debut $500 million five-year bond issuance (5.113% coupon) under a $5 billion EMTN Programme, dual-listed on Nasdaq Dubai and the London Stock Exchange. The issuance was oversubscribed 2.6 times with orders exceeding $1.3 billion, marking Al Masraf's first entry into international debt capital markets during its Golden Jubilee year.

Al Masraf employs between 251 and 500 staff and is led by CEO Fuad Mohamed. In February 2026, the bank appointed Moataz Khalil as Chief Wholesale Banking Officer, recruiting from First Abu Dhabi Bank where he served as Managing Director and Global Head of the Diversified Industrials Group, signaling a deliberate build-out of the corporate and investment banking platform. No subsidiaries, parent company, or detailed ownership structure are disclosed in the available data.

Name

Al Masraf

Legal name

Arab Bank for Investment and Foreign Trade PJSC

Website

https://almasraf.ae

Company type

Public

Founded year

1976

Operating status

Operating

Headcount range

251–500 employees

Short description

Al Masraf (Arab Bank for Investment and Foreign Trade PJSC) is a UAE-based wholesale and corporate bank, founded in 1975, serving corporate, institutional, and SME clients with corporate banking, financing, and transaction banking services, and recently entered international debt capital markets.

Ownership category

akta.pro rank

Product category

Wholesale Banking

NAICS

Depository Credit Intermediation (5221), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Islamic Corporate Banking (FSABAGAC)

akta.pro secondary industries

Islamic SME & Commercial Banking (FSABAGAB), Islamic Investment Banking & Capital Markets Services (FSABAGAG)

Keywords

• Corporate banking services
• Transaction banking
• SME banking
• Foreign trade finance
• Debt capital markets

Headquarters

HQ city

Abu Dhabi

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Distribution channels1 record

Core offering

Al Masraf (Arab Bank for Investment and Foreign Trade PJSC) is a banking firm that provides corporate banking, corporate financing, transaction banking, and SME banking services to business clients in the United Arab Emirates. It complements its traditional lending and deposit franchise with access to international debt capital markets, recently launching a $500 million debut bond under a $5 billion EMTN programme.

Differentiator

Problem solved

Functional benefit

Products and services

• Corporate Banking Banking services for corporate clients, including lending, deposits, and relationship-based financial solutions for businesses operating in the UAE.
• Corporate Financing Financing solutions extended to corporate borrowers to support working capital, capex, and other corporate funding requirements.
• Transaction Banking Cash management, payments, and transaction processing services provided to corporate and institutional clients.
• SME Banking Banking products and services tailored to small and medium-sized enterprises, including financing and deposit solutions.
• Debt Capital Markets — $5B EMTN Programme A $5 billion Euro Medium Term Note (EMTN) Programme enabling the bank to issue and list bonds in international capital markets. Inaugural issuance was a $500 million, 5-year bond at a 5.113% coupon, listed on Nasdaq Dubai and the London Stock Exchange, which was oversubscribed 2.6 times.
• Foreign Trade Finance Trade-related banking services supporting foreign trade activity for corporate clients, reflecting the bank's founding mandate as the Arab Bank for Investment and Foreign Trade.

Quantifiable outcome

• Achieved 2.6x oversubscription rate on debut $500M bond issuance

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

Direct peers

• National Bank of Fujairah (NBF): UAE wholesale and corporate bank with similar focus on trade finance, treasury, and corporate banking services. Comparable in size and product mix to Al Masraf.
• Mashreq Bank: UAE-headquartered bank providing corporate banking, transaction banking, and capital markets services with strong regional presence. Comparable to Al Masraf in its focus on wholesale and corporate clients across the GCC.
• Abu Dhabi Commercial Bank (ADCB): UAE-based commercial bank offering corporate, SME, and transaction banking services to a similar institutional and corporate client base in the UAE. Comparable in scale range and product mix to Al Masraf's wholesale banking franchise.
• Commercial Bank of Dubai (CBD): UAE commercial bank focused on corporate, institutional, and SME banking services with similar product offerings. Comparable in scale and target market to Al Masraf.
• National Bank of Ras Al Khaimah (RAKBANK): UAE commercial bank offering corporate and SME banking services to businesses across the country. Comparable in scale, product mix, and UAE-focused operating model.

Broad incumbents

• Emirates NBD: Largest UAE banking group by assets, with extensive corporate banking, treasury, and capital markets offerings. Direct competitor in the wholesale banking segment where Al Masraf is building scale.
• First Abu Dhabi Bank (FAB): UAE's largest bank and incumbent across corporate, investment, and transaction banking. Sets the competitive benchmark for the wholesale segment Al Masraf is targeting; Moataz Khalil was previously a Managing Director at FAB.

Regional players

• Sharjah Islamic Bank: UAE-based bank offering corporate, SME, and trade finance services with regional focus. Comparable in size and product offerings within the UAE wholesale banking space.
• Abu Dhabi Islamic Bank (ADIB): UAE-based Islamic bank with corporate and SME banking offerings comparable to Al Masraf's segments. Competes for similar UAE corporate and institutional clients with Shariah-compliant alternatives.
• Dubai Islamic Bank (DIB): UAE-headquartered Islamic bank offering corporate, SME, and investment banking services under Shariah principles. Comparable in regional positioning and overlapping client base with Al Masraf's UAE corporate franchise.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Al Masraf