Tailored Shari'ah compliant treasury solutions for your cash flow needs
At CBD, we offer customisable treasury products and services designed to meet your unique cash flow requirements. Our advisory-focused approach ensures we provide Shari'ah compliant solutions that align with your specific needs, rather than offering generic, off-the-shelf options. We prioritise transparency, helping you understand the benefits and risks of our solutions. The enduring relationships we maintain with our clients are a testament to the trust and confidence they place in CBD.
Foreign Exchange
Hedge your currency exposure
At CBD, we help you manage your foreign exchange risks and opportunities. Our foreign exchange team helps both individual and wholesale customers manage risk and opportunities associated with volatile foreign exchange markets in Shari'ah compliant manners. Foreign exchange exposure can come in many forms, and the are a number of products to help clients manage this exposure, ranging from basic spot and forward products, through to complex derivatives products. Whatever your requirement, CBD's treasury team will have a solution for you.
Deposits
Deposits that work hard for you
Ensure the best expected returns for your money via our range of deposits in and formats
Ensure the best expected returns for your money via our range of Islamic deposits. At CBD, corporate and high-net worth individuals are offered substantial deposit investment placement requirements with special, market-based short and long term profit rates as well as enhanced product offerings that comply with the principle of Shari'ah.
For more information, please click here.
Profit Rate Swap
CBD offers an extensive suite of hedging solutions which cater to our institutional and corporate clients' needs. Our in-house expertise has an extensive and special focus on Profit Rate Hedging in accordance with the principles of Shari'ah. CBD Treasury offers a Shari'ah compliant hands-on approach and a comprehensive set of solutions that help clients in managing uncertainty in rate volatility and mitigating risks (subject to approval) of all major and Middle East currencies, which allows them the peace of mind to concentrate on their core business.
Sukuk
Benefit from opportunities in Sukuk investment that represent undivided ownership profit in tangible assets related to specific projects or investment.
Invest in globally recognised Sukuks with attractive yields at competitive profit rates.
- Sukuk securities are structured to comply with Shari'ah by paying profit – not profit, mostly issued by Sovereign Government.
- Large corporations, quasi-government entities and private sectors to raise fund for various requirements and investors gets an attractive yield in return.
Investments
Performance, client service, and integrity
At CBD Investments, we aim to build a lasting partnership with you by exceeding your expectations for investment performance and service. We aspire to be recognised as the UAE's leading investment manager with a reputation for performance, client service and integrity. Our core emphasis is on risk management, stability of principle and generating regular income.
Our dedicated investment solution managers work with you to create a customised solution based on your specific wealth management and investment objectives, taking into consideration various factors like time horizon, risk-taking preferences, special circumstances while also considering the current and anticipated economic climate.
CBD manages your wealth on an 'execution-only' basis where our investment solution managers will work with you to evaluate suitability and appropriateness of each individual investment opportunity before you take the final decision.
And that's not all: post-investment, your manager will provide regular product and market updates for you, so that you're always up to date on your portfolio.
- International Real Estate transactions targeting regular income and a possibility of price appreciation due to carefully planned value-add strategies in assets like retirement home, hospitality and logistics
- Funds investing in Senior Secured Loans offering regular income and high anticipated returns by maturity
- Stable income solutions like global Trade Finance Fund and Long Income Freehold Fund generating regular income with periodic liquidity.
For capturing performance from the financial markets, CBD offers risk-profiling based portfolios investing in the fixed income market. We offer efficient execution and custody services for:
- Local, regional and international sukuks
- Leverage on sukuks
- Execution in international equity markets
Please contact your Relationship Manager to set up a meeting with an Investment Professional: click here.
Research and publications
Vital knowledge and information at your fingertips
Be guided in your investment decisions with the most critical facts and data at home and abroad.
CBD publishes weekly reports providing clients with condensed synopses of events affecting regional and global markets plus hedging and investment ideas across foreign exchange, commodities, bonds, and derivatives.
Whether you are following your home currency for remittance purposes, personal or company investments, or simply want to follow balance sheet and commodity hedging ideas, the publications offer a snapshot of global markets for everyone.
LIBOR Transition Q&A
Over recent years, the transition from LIBOR benchmarks, to risk free replacements, has started with the main transition occuring on 30th June 2023. These Q&A’s are designed to provide background and to give some detail related to the transition of rate benchmarks should you require additional information.
What is the LIBOR Replacement Event?
A: The LIBOR Replacement Event refers to the transition
from the London Interbank Offered Rate (LIBOR) to a new benchmark. This change
will impact existing and future financial transactions, contracts and
documents implemented by Islamic Financial Institutions (IFIs).
How will the LIBOR replacement affect Sharia-compliant transactions?
A:
The replacement benchmark, identified by relevant regulators, must consider
Shari'ah-related implications. IFI's may need to take extra precautions to avoid
conflicts or ambiguity in their contracts and documents due to the benchmark
replacement.
What guidance has the Higher Sharia Authority (HSA) provided for existing financial transactions?
A:
For existing transactions where the benchmark implementation is
Shari'ah-compliant, there must be mutual agreement on the replacement benchmark.
One party cannot decide or approve the replacement benchmark without the other
party's Shari'ah and legal approval.
What should be considered for new contracts before determining the replacement benchmark?
A:
New contracts must clearly identify the replacement benchmark or the method to
determine it. The replacement benchmark cannot be unilaterally determined, and
if it's decided by specific reference banks, those banks cannot be one of the
financing parties.
What happens if the parties cannot determine the benchmark before a specific period?
A:
If the benchmark cannot be determined before the start of a period, the
previously agreed benchmark rate for the latest period will be implemented.
What is the protocol for a Benchmark Replacement Event?
A: Upon a Benchmark
Replacement Event, the IFI must notify the customer to agree on the replacement
benchmark or to implement the pre-agreed benchmark.
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