The UAE’s National Bonds recorded significant growth in 2024, with its investment portfolio reaching AED 15.8 billion ($4.3 billion). This marks a 22% increase from AED 12.9 billion ($3.5 billion) at the end of 2023. The surge is attributed to a rising number of regular savers and the adoption of digital savings solutions.
National Bonds distributed approximately AED 588 million ($160 million) in returns to Sukuk holders, with some investors earning up to 4.75%. The average return rate stood at 4.02%, reinforcing confidence in structured savings plans.
Rising Savings Culture and Digital Expansion
The company reported a 51% increase in regular savers, aligning with the UAE’s vision to enhance financial well-being and sustainability. The enhancement of its mobile application contributed to a 41% rise in digital savings, making it easier for users to invest and manage their portfolios.
In 2024, National Bonds also introduced an end-of-service benefits programme in partnership with the Ministry of Human Resources and Emiratisation (MOHRE). This initiative aims to provide financial security for employees, with companies actively exploring investment options for their workforce.
Balanced Investment Strategy for Stability
National Bonds maintains a low-to-medium risk investment strategy to protect capital while ensuring steady returns. In response to rising global interest rates, bank deposits increased to 20% of the portfolio in 2024.
The investment distribution includes:
- 30-40% in fixed-income assets
- 20% in real estate investments
- 10-12% in listed equities
- 8% in private equity
The company also allocated AED 36 million ($9.8 million) in annual rewards and other incentives to encourage disciplined savings habits in the UAE.
Group CEO Mohammed Qasim Al Ali emphasized that National Bonds’ approach goes beyond financial products, focusing on fostering a savings culture. He highlighted the importance of creating future-ready financial solutions that meet evolving consumer needs while addressing psychological barriers to saving.
