Banking & Finance

Banking and finance transactions demand precision in both the transactional documentation and the regulatory layer. We advise lenders, borrowers, and

Banking & Finance covers legal assessment, documentation and practical support in the UAE. It is typically relevant to businesses, investors and founders establishing or operating under federal, emirate-level or free-zone rules. The applicable requirements and competent authority depend on the activity, place of establishment and where the service or transaction is performed.

Key points

  • The emirate, free zone and place of activity determine the applicable rules.
  • Federal law and the relevant jurisdiction’s rules are checked separately.
  • Contracts and corporate documents are tailored to the transaction.
  • Incorporation or a commercial licence does not guarantee banking or regulatory approval.

Jurisdiction and applicable framework

The applicable framework depends on the activity, place of establishment and place of performance. UAE federal law, the relevant emirate’s law and free-zone rules are distinguished as the matter requires.

Last reviewed: 22 September 2026

Banking and finance transactions demand precision in both the transactional documentation and the regulatory layer. We advise lenders, borrowers, and financial intermediaries on facility agreements, security packages, acquisition finance, project finance, and regulatory licensing - ensuring that deals close cleanly and institutions remain compliant with prudential rules.

On the transactional side, we draft and negotiate facility agreements, pledge and mortgage documentation, inter-creditor arrangements, and subordination agreements. On the regulatory side, we advise on licensing under CRD V/CRR II, PSD2, and EMD2, and support ongoing prudential compliance including capital-adequacy reporting and supervisory dialogue.

For distressed situations, we advise on financial restructuring, debt workouts, and enforcement of security interests, balancing creditor recovery with the debtor's operational continuity.

What this includes

  • Loan & facility-agreement drafting
  • Security documentation & perfection
  • Acquisition & leveraged finance
  • Credit-institution & payment-service licensing
  • Prudential compliance & capital-adequacy reporting
  • Financial restructuring & debt workouts

Related insights