Price, document and approve retail lending products — the way a UAE bank actually does it.
The working desk for product, credit and risk teams. Draft the committee paper, model the economics on a real pricing engine, check it against live CBUAE rules, and position it against the market.
Pricing matrix · UAE National · Salary Transfer
AECB
<15k
15–25k
25–50k
50k+
720+
6.7422%
6.4924%
6.2427%
5.9929%
650–720
7.7414%
7.4916%
7.2418%
6.9920%
580–650
9.24−4%
8.99−1%
8.746%
8.499%
<580
— DECLINE —
Rate (top) · engine RAROC (below) · green clears the 15% hurdle
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Disclaimer
PMbudi is a personal, independent side project, provided free of charge as a resource for the UAE banking community. It is not affiliated with, endorsed by, or connected to the Central Bank of the UAE (CBUAE), any bank, financial institution, employer, or regulatory authority.
Nothing in this tool constitutes legal, financial, regulatory, tax, investment, or professional advice of any kind. All content — including regulatory figures, limits, templates, pricing outputs, calculations and document drafts — is illustrative and indicative only, may contain errors or omissions, and may be incomplete or out of date. Regulations and market rates change frequently. You must independently verify everything against the official CBUAE Rulebook and other authoritative sources before relying on it or using it for any decision, submission or document.
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Customers shop the fixed rate; the bank earns the blended yield after reversion, fees, losses & opex.
explore a rate—
profit / yr—
RAROC—
vs optimum—
⌗
The real output isn't a number — it's a range
—
Effective-yield build-up
What the blended yield is paying for, at the optimum.
What moves the answer
Swing in annual profit when each assumption moves ±20%. Longest bar = biggest lever.
Set the target
How much new lending will you write? The engine prices it and reports the consequences.
target new bookAED 400m
implied fixed rate—
effective yield—
flat rate—
Return on capital
—
—
Operating profit
—
Economic profit
—
Capital deployed
—
▤
The one-line board answer
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Annual P&L
Steady-state year at the implied rate (fees annualised).
Risk & capital
What's exposed, what could be lost, what's tied up.
Downside check
Growth vs. return
Chase volume → cut the rate. Profit (gold) peaks then falls; return on capital (green) keeps sliding. Your target is the marker.
Projection inputs
Priced at the optimal fixed rate. Originations grow each year; prepayment and defaults erode the book.
Cumulative econ. profit
—
Book at year-end
—
Avg RAROC
—
Loans booked
—
↗
Run-off is already netted out
—
Book & profit over time
Bars = outstanding book (left). Gold line = annual operating profit (right). The book compounds as new cohorts stack faster than old ones run off.
Year-by-year P&L
Each year nets out prepayment and defaults. Year-1 RAROC runs hot because upfront fees land on a small book.
⊘
Not applicable for fixed-rate products
Rate shock measures EIBOR sensitivity on the reverting mortgage book — funding reprices while the locked fixed leg can't. Personal and auto loans are pure fixed-rate for their full tenor, so there's no reversion leg to stress. Use Boardroom, Projection or Pricing matrix.
Rate shock setup
One EIBOR move, two risk reports — margin (ALCO) and credit (affordability). Priced at the optimal fixed rate; the back-book can't reprice.
COF passthrough1.0×
NII at risk
—
—
RAROC at +200
—
Stressed loss +200
—
DBR at +200
—
⇅
One shock, two committees
—
Margin & return vs. EIBOR
Gold = margin, green = RAROC. The floor flattens the left (rate cuts); the right (rate rises) is the unprotected zone — margin compresses and credit deteriorates together.
Shock table
Each EIBOR scenario at the optimal fixed rate. Reverted rate is floored; DBR & stressed PD drive the credit side.
⊘
Not applicable for fixed-rate products
The portfolio view ages mortgage vintages priced off their own year's EIBOR and shows the reset wall as fixed teasers revert. Personal and auto loans don't revert and run off over a few years, so there's no vintage-rate drag or reset wall to model. Use Boardroom, Projection or Pricing matrix.
Synthetic book
We synthesise the existing book — past vintages priced off their own year's EIBOR, then aged with run-off to today. One segment, illustrative.
Book size
—
Book yield
—
Margin vs COF
—
Portfolio RAROC
—
▦
Where the book's margin is heading
—
Book composition & yield
Bars = outstanding by vintage (blue still fixed, gold reverted). Gold line = each vintage's rate; green = blended book yield; red = COF. The gap between green and red is your margin.
The reset wall
AED reverting off its fixed rate in each of the next few years. A yield uplift as cheap fixes reprice up — but also your peak attrition window, since that payment jump is when borrowers refinance away.
Concentration
Single-name exposure loan-level pricing is blind to. A layoff at one employer or trouble at one developer is correlated default.
Vintages
Each origination year, its rate environment, and whether it has reverted yet.
Pricing matrix · risk-based grid
Base rate for the prime customer (UAE National · Govt · ST · AECB 720+ · salary 50k+). All other segments stack bps adjustments. UAE Nat × ST/NST and Expat × ST/NST shown as four panels — matches the Proposal pricing matrix.
%
·Bps adjustments
Nationality / salary transfer
bps
bps
AECB band add-on
bps
bps
Salary band add-on (vs 50k+ base)
bps
bps
bps
base
Employer category add-on
bps
bps
bps
bps
bps
2×2 segment grid
UAE Nat ST | UAE Nat NST · Expat ST | Expat NST. Cells = base + AECB + salary + nationality + ST/NST.
Set base rate to build matrix.
CBUAE Reference · verified Jun 2026
Regulatory & Compliance Guide
Retail-lending rules drawn from the CBUAE Rulebook. Figures cite their source. Always confirm against the live Rulebook before submission — a working reference, not legal advice.