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Emirates NBD Private Bank

Emirates NBD was first established as the National Bank of Dubai in 1963 and merged with Emirates Bank International (EBI) on March 2007 to Emirates NBD.

Emirates NBD is said to have 126.3 billion USD of assets under management (figure as of December 2020).

Headquartered in Dubai, Emirates NBD employs around 9000 people and offers both conventional and Sharia compliant funds.

The Group has operations in UAE, Egypt, Germany, Austria, India, Saudi Arabia, Singapore, the United Kingdom, and representative offices in China and Indonesia.

Emirates NBD is regulated by the UAE Central Bank.

Our Verdict
A Closer Look
Customer Reviews

Emirates NBD offers private clients the following services:

  • Investment advisory
  • Trust planning
  • Estate planning
  • Lombard lending
  • Real estate advisory
  • Trade execution
  • Discretionary portfolio management

1. Investment advisory services:

Emirates NBD claim to offer advice at every stage of a private clients investment journey. This includes helping them identify their goals, providing transparency and creating investment portfolios that help clients achieve their goals. 

Emirates NBD specifically talks about appealing to active investors (read our expert verdict to learn what we think about active investing) and having professional investment advisors to create investment strategies.

2. Trust planning:

Emirates NBD also provide wealthy families with long-term trust support and administration capabilities to support their needs. This allows private clients to smoothly pass wealth through generations, gain flexibility and protect assets.

3. Estate planning:

Emirates NBD can help structure your families finances and succession planning to best suit your circumstances while ensuring wealth protection. ENBD can also manage global assets and put a legacy plan in place for the future.

4. Lombard lending:

Emirates NBD provides their private clients with a wide range of credit solutions against their cash balances, investment portfolios and properties. Under this, clients also get IPO financing and universal life insurance services.

5. Real estate advisory:

Emirates NBD mainly helps private clients in UAE and London with their real estate needs. It can also help their private banking clients with commercial property needs, residential search service, investment funds and joint ventures opportunities.

6. Trade execution:

Ideally suited for experienced investors, this service offered by Emirates NBD helps clients efficiently execute their investments. With execution offices in Dubai and Singapore, they provide access to listed capital markets and over-the-counter (OTC) instruments globally.

They cover:

  • Cash management, swaps and forwards
  • Global mutual funds and ETFs
  • Listed derivative solutions
  • Foreign exchange
  • Physical bullion trading
  • Global fixed income and equity securities

7. Discretionary portfolio management:

Emirates NBD provides a managed portfolio service for their private clients from their DIFC and London branches. Under this, a dedicated team will look into a clients cash flow needs to assess their risk tolerance and a diverse investment portfolio is created. A dedicated team also gives clients regular reports and monitors portfolio performance.


We would highly recommend reading the 'expert verdict' section of this review to make an informed financial decision.

Additionally, here's a free guide that can help you achieve better results. In this guide, you'll learn:

  • Academic evidence only shared with a select few firms across the world
  • A real-life example of why you should never try to outguess the market
  • Why a fund's past performance is not enough to predict future returns
  • Why you need to focus on what you can control and why this leads to a better investment experience
  • Why you should accept the markets for what they are
  • What can impact behaviour and make people seek instant gratification

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The Pros

> Well known in the region
> e-Banking
> Retail banking

The Cons

> Not a fiduciary
> Expensive
> Not the best way to invest
> Lesser qualifications
How can Emirates NBD help with liquidity planning?

If you wish to repay portfolio leverage or other lending, provide a charitable legacy without affecting the amount passed down to your family or need to pay taxes and provide a fair division of assets to your decedents - Emirates NBD can help you with it as part of their liquidity planning service.

Does Emirates NBD provide DFM solutions in London?

Yes, Emirates NBD offers DFM services, that are available in-house through the Emirates NBD London Branch (regulated by the FCA) and Emirates NBD Asset Management (DIFC, UAE).

What is the systematic approach Emirates NBD keeps referring to?

Emirates NBD's investment approach is called the systematic approach.

It consists of 4 steps which can be summarised below based on the information Emirates NBD provides:

  1. Client profiling:
    They conduct a detailed analysis of a clients cash flow, goals and preferences to identify the level of risk they could take on while investing.
  2. Portfolio construction:
    Based on a clients risk appetite, a portfolio is constructed that usually includes a wide mix of investment products such as mutual funds, bonds and structured solutions.
  3. Portfolio reporting:
    Emirates NBD claims to provide 360 reporting and monitoring of investment portfolios to keep clients in the loop and ensure performance.
  4. Portfolio review:
    They conduct regular rebalancing and reviews to ensure the client portfolio is structured to perform well in changing market conditions.


Have you used Emirates NBD Private Bank

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Please send your review and comments to marketing@aesinternational.com to help people make an informed decision.

Expert assessment of Emirates NBD Private Bank

With Emirates NBD you are assigned an account manager, rather than a private banking specialist.

In financial services, this typically means fewer qualifications and the likelihood you are working with a salesperson rather than a fiduciary who has your best interests at heart.

If you are already a private banking client of Emirates NBD, we would recommend a no-obligation Second Opinion to ensure you are on track to reach your ideal future.

Additionally, we are happy to review the financial plan that has led to the investment portfolio you currently have.


Emirates NBD Private Bank - Personal Banking Fees and Charges

Emirates NBD Private Bank - PJSC General Terms and Conditions

Emirates NBD Private Bank - Wealth Management In Dubai Overview

Emirates NBD Private Bank - Brochure

Emirates NBD Private Bank - Trust and Wealth Structuring

Emirates NBD Private Bank - London Brochure

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