Finance House

What Finance House does

Finance House PJSC (دار التمويل ش.م.ع.) is a UAE-based diversified financial services group established in March 2004 and listed on the Abu Dhabi Securities Exchange under ticker FH. Headquartered in Abu Dhabi with branches in Dubai and Sharjah, the company serves UAE nationals, expatriate residents, SMEs, corporates, and listed joint-stock companies through a multi-segment platform spanning personal finance, commercial and corporate finance, treasury deposits, securities services, and insurance.

The company's product suite includes credit cards (Rabeh, Sanad, Forsa, Platinum, investnation, CartNet), personal loans (Easy Finance, Payday Finance, Gold Loan up to AED 200,000, Sulfah salary advance), home finance, commercial and corporate finance, trade finance, guarantees, and treasury products (Flexi Deposit, Fixed Deposit, MYFD). The technology stack is anchored by Oracle Cloud Infrastructure (100% cloud since April 2025), a unified Finance House mobile app, the Aani instant payments platform aligned with the UAE Central Bank, and the EASYPAY payment gateway. The group operates through wholly-owned subsidiaries including Dhabi Bank (digital banking in ADGM, launched June 2026), Insurance House, Finance House Securities (FHS), and FH Capital.

Finance House's revenue is generated primarily through net interest income (AED 85.63M in H1 2026, +40% YoY), fee and commission income (~+57.5% YoY), investment income (AED 25.37M, +171% YoY), and insurance income (AED 8.90M, nearly doubled YoY). Total net operating income reached AED 119.02 million in H1 2026 (+57% YoY) with comprehensive profit of AED 25.55 million (+179% YoY). The company maintains a capital adequacy ratio of ~24% and cash position of ~14% of total assets, supported by an investment-grade credit rating and certifications including ISO 27001 and PCI-DSS.

Name

Finance House

Legal name

Finance House PJSC (دار التمويل ش.م.ع.)

Website

https://financehouse.ae

Company type

Public

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Finance House PJSC is a UAE-listed diversified financial services group offering credit cards, personal and commercial loans, treasury products, securities services, and insurance to UAE nationals, expatriates, SMEs, and corporates via branches, a mobile app, and subsidiaries including Dhabi Bank and Insurance House.

Ownership category

akta.pro rank

Product category

Consumer & Commercial Finance

NAICS

Credit Card Issuing (52221), Finance and Insurance (52)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Consumer finance services
• Credit card lending
• Commercial finance solutions
• Securities administration services
• Treasury deposit products

Headquarters

HQ city

Abu Dhabi

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Finance House earns interest income from its loan and financing portfolios including personal loans, gold loans, business financing, commercial finance, home finance, and credit card lending. Net interest income grew 40% to AED 85.63 million in H1 2026 from AED 61 million in H1 2025.
2. Fee and Commission Income: Fees from credit card issuance and maintenance, account services, trade finance, guarantee services (Smart Guarantee), share registrar services, dividend distribution, IPO administration, and general assembly management. Net fee and commission income grew approximately 57.5% in H1 2026.
3. Insurance Income: Net insurance income from Insurance House subsidiary, providing motor, medical, and property & casualty insurance products. Net insurance income nearly doubled to AED 8.90 million in H1 2026 from AED 4.65 million in H1 2025.
4. Investment Income: Investment returns from Finance House's own investment portfolio, managed through a disciplined asset allocation policy and strategic long-term investment decisions. Investment income rose to AED 25.37 million in H1 2026 from AED 9.34 million in H1 2025 (a 171% increase).
5. Treasury and Deposit Products: Income from treasury operations including Flexi Deposits, Fixed Deposits, and MYFD products offered to corporate and institutional clients, generating spread income.
6. Securities Services: Revenue from share registrar services, dividend distribution services, general assembly management, and IPO administration services provided to UAE public joint stock and private joint stock companies through Finance House Securities.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Finance House is a UAE-based public financial institution offering personal finance products (credit cards including Rabeh, Sanad, Forsa, Platinum, investnation, and CartNet; personal loans; gold-backed loans; home finance), commercial and corporate finance (working capital, trade finance, guarantees), treasury deposit products, and securities administration services (share registrar, dividend distribution, IPO administration). Products are delivered through physical branches in Abu Dhabi, Dubai, and Sharjah, a unified mobile app, digital platforms, a 24/7 helpline, and subsidiaries covering insurance, securities, investment banking, and digital banking.

Product overview

Finance House offers a comprehensive suite of financial products and services through a multi-channel platform spanning personal banking, commercial finance, treasury, and securities services. The core offering includes credit cards (Rabeh, Sanad, Forsa, Platinum, investnation, CartNet), personal loans (Gold Loan, Sulfah, Home Finance, Easy Finance), business financing (Commercial Finance, Corporate Finance, Smart Guarantee, Trade Finance, Al Rabeh Business), and treasury products (Flexi Deposit, Fixed Deposit, MYFD). Digital banking services are delivered through the Finance House App, EASYPAY payment gateway, and Aani instant payments platform, with Dhabi Bank operating as a separate digital banking subsidiary. Securities services cover share registry, dividend distribution, and IPO administration for UAE-listed companies.

Differentiator

Problem solved

Functional benefit

Brands

• Rabeh Card: Credit card product
• Sanad Card
• Forsa Card
• investnation Credit Card
• CartNet Card
• Sulfah
• EASYPAY
• Aani
• Gold Loan
• Easy Finance
• Pay Day Finance
• FH Capital

Products and services

• Rabeh Card Credit card product for retail customers seeking rewards and lifestyle benefits.
• Sanad Credit Card Exclusive credit card for UAE nationals with the lowest interest rate in the UAE at 1.25% per month, free for life with no annual fees, Credit Shield protection, and preferential balance transfer rates.
• investnation Credit Card Credit card exclusive to investnation platform members that combines credit access with investment growth, offering credit limits up to 90% of investment value, annual returns up to 7%, free lifetime membership, instant digital onboarding, and complimentary airport lounge access.
• Forsa Credit Card Credit card exclusive to UAE nationals focused on debt consolidation with 1.25% monthly interest rate, flexible minimum repayment from 2% of outstanding balance, and savings of up to 70% on interest charges versus market rates.
• Platinum Credit Card Premium credit card offering platinum-tier benefits and services for personal customers.
• CartNet Card Credit card with CartNet network acceptance and associated benefits.
• Gold Loan Gold-backed loan allowing individuals to borrow up to Dh200,000 against pledged gold collateral, with disbursement within 24 hours, a grace period up to two months before repayments, and minimal documentation. Gold is returned in full upon repayment.
• Sulfah (Salary Advance Loan) Salary advance loan product providing employees immediate access to earned wages before payday.
• Home Finance Residential property financing solutions for personal customers.
• Easy Finance (Executive Personal Loan) Personal loan for salaried individuals targeting immediate cash needs for school fees, vacation, home improvement, and debt consolidation, with declining interest from 20% per annum, a maximum loan of AED 150,000, tenure up to 36 months, and a 1.5% processing fee.
• Pay Day Finance (Biday Finance) Salary-based financing for lower-income earners with fixed monthly income of AED 1,000-5,000, tenure up to 24 months, at a 36% declining rate.
• Commercial Finance Working capital financing solutions for commercial enterprises and SMEs.
• Corporate Finance Capital financing products for corporate clients supporting growth and structuring needs.
• Smart Guarantee Guarantee letter service for business customers providing bank guarantees for tenders and contractual obligations.
• Trade Finance Trade financing solutions facilitating import, export, and international trade transactions for corporate clients.
• Al Rabeh Business Business financing product supporting SME growth and local business activities.
• Flexi Deposit Flexible deposit product for corporate and institutional clients offering variable interest rates and partial withdrawal flexibility.
• Fixed Deposit Fixed-term deposit product with guaranteed returns for corporate and institutional treasury clients.
• MYFD (My Fixed Deposit) Fixed deposit product offering fixed returns with flexible terms for corporate and institutional clients.
• Share Registrar Services Share registry management services for UAE public and private joint stock companies.
• Dividend Distribution Services Cash dividend distribution management services for listed UAE companies.
• General Assembly Management Services Annual general meeting and assembly management services for issuers of UAE-listed companies.
• IPO Administration and Issuer Services IPO administration and issuer services for companies seeking to list on UAE securities exchanges.
• Dhabi Bank Full-fledged digital banking institution established within Abu Dhabi Global Market (ADGM), offering cross-border current accounts, savings, deposit products, and integrated wealth management solutions for globally mobile clients and businesses.
• EASYPAY Payment Gateway Online payment gateway for credit card bill payments and money transfer services via easypay.fh.ae.
• Aani Instant Payment Platform Real-time fund transfer service aligned with the UAE Central Bank's Aani instant payment platform, enabling 24/7 immediate payments.
• Investments Investment products and services including portfolio management and capital market investment offerings.

Quantifiable outcome

• 179% increase in total comprehensive profit in H1 2026 (AED 25.55 million vs AED 9.15 million in H1 2025)
• +7 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core, minor and strategic.

• Dhabi Bank ( Dhabi )coreOthers · 12 June 2026Dhabi Bank is a newly launched cross-border digital banking institution established by Finance House PJSC within Abu Dhabi Global Market (ADGM). It is a wholly-owned subsidiary of Finance House PJSC and represents the first full-fledged banking institution in ADGM. Dhabi Bank targets globally mobile clients and international capital movement, offering curated current accounts, savings, deposit products, and integrated cross-border banking solutions leveraging Finance House's 20+ years of financial services experience.
• OraclecoreTechnology or Integration · 14 April 2025Finance House completed a strategic migration to Oracle Cloud Infrastructure, transitioning to a 100% cloud-based environment. The partnership delivers 99.96% service availability, advanced scalability, faster product launch capabilities, enhanced cybersecurity, and compliance with UAE data protection regulations. Oracle Cloud supports Finance House's digital transformation strategy.
• Finance House SecuritiescoreStrategic or Co-development Partner · 21 October 2024Finance House and Finance House Securities (FHS) signed an agreement at the Abu Dhabi Securities Exchange (ADX) under which Finance House injects AED 300 million into the local market through Finance House Securities to boost equity market liquidity and reinforce financial market stability. FHS is a related entity within the Finance House Group providing mobile trading, online trading, and securities services.
• Continental Investments LMDminorStrategic or Co-development Partner · 16 June 2023Finance House and Continental Investments LMD signed a credit facilities agreement to enhance financial offerings and expand access to capital for business clients, leveraging combined resources and market expertise.
• Emirates Entrepreneurship Association (EEA)minorStrategic or Co-development Partner · 5 June 2023Finance House signed a MoU with the Emirates Entrepreneurship Association to empower micro, small, and medium enterprises (MSMEs) in the UAE by providing access to Finance House's financing products and business support services.
• Global Software Solutions (GSS)strategicTechnology or Integration · 21 November 2022Finance House partnered with Global Software Solutions (GSS) to provide instant payment services, enabling real-time fund transfer capabilities and aligning with the UAE Central Bank's vision for next-generation payment infrastructure.
• Khalifa Fund for Enterprise DevelopmentstrategicStrategic or Co-development Partner · 9 November 2022Finance House signed a Memorandum of Understanding with Khalifa Fund for Enterprise Development to facilitate SME access to financing solutions and support the growth of small and medium enterprises in Abu Dhabi, aligning with national economic diversification objectives.
• Abu Dhabi Department of Economic Development (ADDED)strategicGTM or Marketing Partner · 31 October 2022Finance House signed an agreement with the Abu Dhabi Department of Economic Development (ADDED) to deliver services through the Investor Journey platform, enabling streamlined access to Finance House financial products and services for investors and businesses in Abu Dhabi.
• GCC ExchangestrategicStrategic or Co-development Partner · 26 September 2022Finance House entered a strategic partnership with GCC Exchange to enhance financial services reach and payment capabilities across the GCC region, strengthening cross-border financial service delivery for customers.
• Insurance HousestrategicStrategic or Co-development PartnerInsurance House is a related entity within the Finance House Group providing motor insurance, medical insurance, and property & casualty insurance products. The group generated AED 8.90 million in net insurance income in H1 2026 (nearly doubled year-over-year).
• FH CapitalstrategicStrategic or Co-development PartnerFH Capital is a related entity within the Finance House Group providing investment banking and asset management services, extending the group's financial services capabilities into capital markets activities.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Mashreq Bank: Major UAE bank with a strong consumer finance, credit card, and SME franchise and a notable digital banking push (Mashreq Neo). Comparable on consumer credit products and digital transformation strategy, though materially larger.
• Emirates NBD: Largest UAE bank by assets, with dominant credit card, personal loan, and SME franchises. Sets the pricing and product benchmark Finance House competes against, particularly on credit card rates and digital banking features.
• Abu Dhabi Commercial Bank (ADCB): One of the largest UAE banks headquartered in Abu Dhabi, offering consumer finance, credit cards, and SME lending. Comparable on UAE-domestic retail focus and on competing head-to-head with Finance House for UAE nationals and Abu Dhabi-based SME customers.
• First Abu Dhabi Bank (FAB): UAE's largest bank by assets, headquartered in Abu Dhabi with consumer banking, credit cards, and SME divisions. Comparable on Abu Dhabi retail market and on competing for UAE nationals and government-linked corporate clients.

Emerging players

• Wio Bank: UAE-licensed digital banking platform offering consumer and SME banking. Comparable as an emerging digital-first competitor pursuing UAE retail and SME customers that Finance House also targets, especially given Finance House's own Dhabi Bank digital launch.

Direct peers

• RakBank (National Bank of Ras Al Khaimah): UAE-listed bank with a similar mid-sized profile focused on retail banking, SME lending, and credit cards. Directly comparable on consumer finance product mix, scale, and UAE-domestic-only footprint.
• Abu Dhabi Islamic Bank (ADIB): Abu Dhabi-headquartered bank offering retail finance, credit cards, and Shariah-compliant products. Directly comparable on geographic base, segment focus, and adjacent product set including personal finance and treasury services.
• Dubai Islamic Bank (DIB): Largest Islamic bank in the UAE, with consumer finance, credit cards, and treasury products. Comparable on consumer credit product suite and UAE domestic focus, particularly as a competitor for UAE nationals customers.
• Sharjah Islamic Bank: UAE-listed Sharjah-based bank offering consumer finance, credit cards, and SME lending. Comparable on UAE-domestic-only model, mid-sized scale, and similar Islamic/Shariah-friendly product positioning.

Others

• Network International: UAE-based payment processing and merchant services provider with strong regional presence. Comparable as a UAE-headquartered fintech/payments ecosystem player that intersects with Finance House's card issuing, Aani instant payments, and EASYPAY gateway businesses.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/MyFinanceHouse
• Facebookfacebook.com/MyFinanceHouse
• LinkedInlinkedin.com/company/finance-house-p-j-s-c

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds

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 Finance House