National Bank of Fujairah PJSC (NBF: ADX) is a leading United Arab Emirates-based financial institution offering comprehensive commercial, retail, and investment banking services. Established on October 17, 1982, and headquartered in Fujairah, the bank has built a reputation for resilience, innovation, and deep-rooted relationships across the UAE’s business and trade ecosystem. Listed on the Abu Dhabi Securities Exchange (ADX), NBF operates through a network of 14 branches, providing customers with access to tailored financial solutions supported by digital transformation and sound governance.
NBF operates through three primary business segments — Wholesale Banking, Retail Banking, and Treasury, Asset and Liability Management (ALM) & Others — each catering to distinct client needs across the corporate and consumer landscape. The Wholesale Banking division serves as the backbone of the bank’s operations, offering a broad portfolio of products such as credit facilities, trade finance, working capital solutions, and deposits. It services both large corporations and small to medium-sized enterprises (SMEs), enabling sustainable business growth and cross-border trade. NBF has also established strong correspondent banking relationships to facilitate international transactions efficiently and securely.
The Retail Banking segment focuses on individual and high-net-worth clients, providing an extensive suite of financial products that include personal loans, home financing, credit cards, savings and current accounts, and digital banking services. Through its customer-centric approach, NBF has introduced innovative retail solutions that blend traditional banking with digital convenience, offering clients greater accessibility, flexibility, and financial control.
Meanwhile, the Treasury, Asset and Liability Management (ALM) segment plays a critical role in optimizing the bank’s balance sheet, managing liquidity, and ensuring financial stability. This segment oversees foreign exchange operations, investment portfolios, and risk management frameworks, aligning with the bank’s commitment to prudent financial management. In 2013, NBF expanded its investment services by establishing NBF Capital Limited, a wholly owned subsidiary focused on corporate advisory, debt structuring, and capital markets. This subsidiary enhances NBF’s capabilities in delivering strategic financial guidance to institutional and corporate clients.
As a publicly listed entity, NBF embodies the UAE’s banking excellence, combining regional expertise with global best practices. The bank’s strong governance framework and consistent profitability have positioned it as a trusted financial partner for businesses and individuals alike. NBF continues to leverage technology, data analytics, and customer insights to drive efficiency and deliver personalized banking experiences.
Within the Banking & Investment Services sector, NBF’s role extends beyond traditional banking — it acts as a catalyst for economic development in Fujairah and across the UAE. The bank supports trade finance, energy, shipping, and manufacturing sectors, aligning its operations with the UAE’s Vision 2031 and National Economic Diversification Strategy. By balancing innovation with financial prudence, NBF remains a cornerstone of sustainable growth and long-term value creation for its stakeholders.
For corporate inquiries, partnerships, or customer services, National Bank of Fujairah PJSC’s head office is located at:
P.O. Box 887, Fujairah, United Arab Emirates.
