Financial Inclusion | Emirates NBD

Our Group is continuously focusing on expanding the research and develop a more inclusive finance market in the regions in which we have operations. We are committed to ensuring that vulnerable customers have access to the Bank’s services on the same terms as other customers. We ensure that the design of financial products and services, as well as business operations, premises, ATMs and processes, are appropriate and accessible to consumers from a variety of vulnerable groups in line with international standards of public access. All information regarding financial product features, risks, terms, and conditions must be suitable for and comprehensible to vulnerable consumers.Emirates NBD is dedicated to increase community awareness and provide financial education to all, including underserved groups – i.e. young individuals, persons with low incomes, as well as immigrants. To further support the cause, Emirates NBD submits an annual report to the Central Bank of the U.A.E. detailing all initiatives and activities conducted in that given year – This ensures we remain on track alongside government vision and objectives.

Our whistleblower mechanisms are available 24/7 and easily accessible for all our stakeholders through our website and applications, for both consultation on our products and services but also for reporting unfortunate events, while the highest level of responsibility is being assigned for the aforementioned areas.

Anti-fraud Awareness

Emirates NBD organised an event for labourers at the Polaris Camp, Dubai Investment Park, supporting the community in combating fraud and increasing customer awareness on fraud prevention. The event featured videos on safe banking practices and a skit performance on fraud prevention and it was concluded with the distribution of gifts.

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Women’s Day Workshop

In 2024, and in celebration of International Women’s Day, we conducted a financial literacy workshop with more than 200 female participants. In efforts to increase women’s financial inclusion, the workshop aimed to unlock women’s financial confidence through mastering money management and equipping them with the correct knowledge to help them think comprehensibly about their financial health.

Financial Wellbeing with Emirates NBD

Financial Wellbeing with Emirates NBD is a source of simple and engaging information to help improve financial knowledge and learn about different behaviors and trends. The dedicated website provides customers with easy-to-understand guides, tools, and resources on managing personal finances. These resources are accessible 24/7 on our website, allowing customers to enhance their financial knowledge at their convenience.

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Liv Online Bank

Liv, powered by Emirates NBD, is the first and largest digital offering in the UAE and continues to target Generation Now (Gen Now). With the tagline ‘Be ready for more money’, new Liv products included the Bonus Multiplier Account and the Money Ahead Deposit. Liv also enhanced its existing products, including the Goal Accounts; World and Platinum credit cards, and Liv Young.

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SME Financing – DenizBank

DenizBank has a clear and specific definition for the “underserved population groups” and offers a set of Sustainable Finance products targeting them. DenizBank offers lending to youth SME’s and Women SME’s which is categorised as vehicles to tender financial inclusivity. When it comes to Agri loans DenizBank offers Producer Cards and launched From Sea to Soil (Deniz’den Toprağa) Digital Application. Both agricultural products targets farmers and the agricultural sector

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