UAE Retail Banking · Product Desk

Price, document and approve retail lending products — the way a UAE bank actually does it.

A 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

See it in action

Committee-ready proposals

A full concept paper — executive summary, pricing, P&L, risk and regulatory — drafted to the depth NPAC and ALCO expect. The engine scores RAROC against your hurdle as you write.

PMbudi committee paper with RAROC verdict

Price every segment on a real engine

MargIn — the pricing engine built into PMbudi — sizes the rate and RAROC for every nationality, salary, AECB band and employer category. Green clears the hurdle; red is a loss before you commit.

Checked against live CBUAE rules

LTV ceilings, DBR caps, tenor limits, KFS and fee rules — with worked "what can this customer borrow" examples and the 2025 framework changes flagged. A working reference, sourced.

Open PMbudi →

Built for the people who actually approve products.

PMbudi mirrors how a UAE retail bank really designs, prices and approves lending — written at the depth a credit committee expects, not generic templates.

Product managers drafting concept papers for NPAC / ALCO
Credit & risk teams checking economics and policy fit
Anyone pricing mortgage, personal or auto products against CBUAE rules

ProductsMortgage · Personal · Auto

EngineMargIn · RAROC & P&L

ReferenceCBUAE · CPR 2020

OutputConcept paper · KFS · Word

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