With a digitally integrated model and a clear focus on ethical growth, the bank is redefining what modern Islamic wealth management looks like in the region
Emirates Islamic Bank has emerged as one of the UAE’s leading players in Islamic wealth management, combining traditional sharia values with advanced digital capabilities. The bank’s total wealth assets under management (AUM) reached AED17.8bn in 2025, of which 80% is attributed to the high-value segments, Priority and Private Banking. The strong year-on-year growth reflects the bank’s rapid ascent in servicing the region’s affluent and high-net-worth segments.
Navigating the market demand for environmentally focused, sustainable wealth solutions, Emirates Islamic is pioneering the path forward for innovative ESG-based modern sharia banking. Emirates Islamic Private Bank, which manages over AED12bn in client assets, recorded parallel gains in both client onboarding and portfolio sophistication. This rapid expansion underscores the growing appetite for structured, Islamic investment products across the region.
Beyond headline growth, Emirates Islamic has widened access to investment opportunities through product innovation. It became the first Islamic bank in the region to introduce fractional sukuks, lowering the entry point from $200,000 to $5,000 and making fixed-income participation more inclusive. The move signals a strategic effort to democratise wealth creation and extend the benefits of Islamic finance to a broader investor base.
Digital-first proposition
At the centre of its wealth offering is the Digital Wealth Platformfully embedded within the EI+ mobile banking application. The platform offers an end-to-end wealth management experience – from instant onboarding to trade execution and real-time portfolio visibility via Wealth360. Furthermore, clients benefit from a wide
range of asset classes under one umbrella as well as a dedicated CIO Corner providing expert investment insights and market views.
These features have transformed the bank’s engagement with wealth clients, giving them access to a range of sharia-compliant local and global equities, mutual funds, and fractional and regular sukuks, with digitised commodities on the horizon. Since its launch, more than 17,000 clients have onboarded digitally, with trade volumes exceeding AED1.6bn in 2025.
“By combining sharia integrity with digital innovation, Emirates Islamic Bank is positioning Islamic wealth management as a modern, data-driven and globally connected discipline”
Ethical and sustainable growth
A defining element of Emirates Islamic’s proposition is its commitment to responsible banking. Every product undergoes review by an independent sharia supervisory board in line with Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI) standards. The bank has also advanced its environmental and social agenda with the issuance of a $750m sustainability sukuk and AED8.6bn in green financing – equivalent to more than 12% of its total financing book.
Emirates Islamic’s investment advisory framework blends ethical oversight with global expertise. Relationship managers and SCA-licensed investment advisers offer tailored portfolio strategies, supported by a 21-hour execution desk covering global markets. Discretionary portfolio management services, operated through Emirates NBD Asset Management and its London branch, extend international diversification within a sharia-compliant framework.
This combination of product innovation, digital adoption and ethical governance has positioned Emirates Islamic as a reference point for Islamic wealth management in the Mena region. By expanding access to fractional sukuks, automating more than 100 client journeys and integrating ESG into its financing strategy, the bank has aligned purpose with performance. Its ability to serve both emerging and established wealth segments while maintaining sharia authenticity reflects the evolving sophistication of the region’s financial landscape and the growing global relevance of Islamic wealth leadership from the UAE.
Metrics that Matter
- 9bn Value of total deposit and wealth AUM book represented by Priority and Private Banking
- 25% Proportion of green financing within the total financing book