14
Articles
2
Chapters
CBUAE
Issuing authority
AI
Cited answers from article text
Central Bank of the UAE is one of the rulebooks issued by the Central Bank of the UAE. For compliance officers, legal teams, and advisors working under this regime, finding the right article quickly matters. Lexara indexes the full text of CBUAE Credit Risk Management Regulation and makes it searchable two ways: full-text and keyword search for rapid lookup, and AI Explorer for natural-language questions answered with citations to the exact article.
14 articles in 2 chapters, each with a plain-English summary by Arakan. The full text of every article is in the Laws Browser.
Article 2.1-2.9Article 2: Credit Risk Governance
The Board must approve and regularly review the credit risk strategy and policies, oversee delegated credit approvals, ensure arm's-length decisions, and remain ultimately accountable for credit risk management.
Article 3.1-3.9Article 3: Credit Risk Management Framework
Licensed Financial Institutions must maintain a documented, effective credit risk management framework covering the full credit lifecycle, including early loss identification, concentration controls, exception management, and board reporting.
Article 4.1-4.4Article 4: Credit Risk Oversight Functions and Roles
Each licensed financial institution must maintain a Chief Credit Officer-led credit review function and an independent Chief Risk Officer-led credit risk function holding veto power.
Article 5.1-5.5Article 5: Credit Underwriting
Licensed financial institutions must run a comprehensive credit underwriting process with policies on approval governance, credit limits, due diligence, collateral, documentation, and reduced reliance on external credit assessments.
Article 6.1-6.5Article 6: Definition of Default
An LFI must classify default on non-payment when material credit exceeds 90 days past due or overdrafts breach limits, or on unlikeliness to pay.
Article 7.1-7.3Article 7: Significant Increase in Credit Risk
Licensed financial institutions must regularly assess and document significant increases in credit risk since initial recognition, using this to set facility classification and provisioning under a Central Bank-consistent methodology.
Article 8.1-8.5Article 8: Restructuring
Licensed Financial Institutions must run a policy-supported process to identify, implement and manage restructured credit facilities, maintaining classification and provisioning, with robust oversight and internal audit review.
Article 9.1-9.8Article 9: Classification and Provisioning
Lenders must classify each credit facility by current and expected creditworthiness, adopt a Board-approved provisioning policy, and subject provisioning methods to independent validation.
Article 10.1-10.3Article 10: Credit Risk Mitigation
LFIs may recognise credit risk mitigation in provisioning only as the Standards permit, must regularly reassess guarantees, credit derivatives and collateral, and value collateral at net realisable value.
Article 11.1-11.3Article 11: Portfolio Management and Internal Reporting
Licensed Financial Institutions must fully monitor, report and manage credit risk acquired through underwriting, refinancing or other mechanisms, and ensure funds are used per each obligor's facility agreement.
Article 12.1-12.3Article 12: Non-Performing Assets and Write-Off
Licensed financial institutions must maintain a Board-approved non-performing assets strategy and write off assets timely when there is no reasonable recovery expectation.
Article 13.1-13.2Article 13: Credit Risk Models
Licensed financial institutions must maintain credit risk methodologies measuring and provisioning at facility, obligor, segment and portfolio levels, and must follow CBUAE modelling standards and show models are fit for purpose.
Article 14: Counterparty Liability
Credit risk mitigation provisioning treatments such as haircuts, exclusions and write-offs do not extinguish the counterparty's liability, and lenders keep full rights to enforce collateral and other credit risk mitigants.
Article 5 / Article 9-retRecord Retention — Credit file documentation, legal documentation, and classification/provisioning
Financial institutions must retain credit file documentation and legal records, aligning with Central Bank recordkeeping requirements, from the creation date to each assessment.
CBUAE Credit Risk Management Regulation's 27 indexed articles break down by obligation type as follows.
Risk — 26 articles
General — 1 article
CBUAE Credit Risk Management Regulation spans the following regulatory topics, as tagged by Lexara.
cbuae
credit risk
prudential
Instead of reading through CBUAE Credit Risk Management Regulation article by article, Lexara's AI Explorer lets you ask a question in plain English and get a cited answer — with the specific article referenced.
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Cross-reference CBUAE Credit Risk Management Regulation against other Central Bank of the UAE rulebooks in a single query
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What is Central Bank of the UAE?
Central Bank of the UAE is issued by the Central Bank of the UAE. It has 14 articles across 2 chapters.
What does CBUAE Credit Risk Management Regulation cover?
It is organised into: CBUAE Credit Risk Management Regulation; Article 5 - Credit Underwriting / Article 9 - Classification and Provisioning.
Who issues CBUAE Credit Risk Management Regulation?
The Central Bank of the UAE. Always check the authority's official publication for the binding text.
Can I search CBUAE Credit Risk Management Regulation and ask questions about it?
Yes. Lexara searches the full text of all 14 articles and answers plain-English questions with a citation to the exact article.
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