Understanding the UAE's Global Credit Rating

What the rating means and how to verify it

1. 1

   Know what a sovereign credit rating is

   A sovereign credit rating is an independent agency's judgement of how reliably a country can meet its financial obligations. A stronger rating signals lower risk, which supports confidence across the whole economy. Two of the major international agencies have published assessments of the UAE, and you can read the headline figures on the Central Bank's page.

2. 2

   Check the rating assigned by Moody's

   According to the Central Bank of the UAE, Moody's assigned the country a credit rating with a stable outlook for the national economy. This reflects the country's robust external asset position, high GDP per capita, and substantial fiscal and external surpluses, all of which contribute to the strength and stability of its national economy. For the exact letter grade as it stands today, check the authority's website.

   Documents:Central Bank rating page
3. 3

   Check the rating affirmed by S&P Global

   In June 2025, S&P Global Ratings affirmed the sovereign credit rating of the United Arab Emirates at 'AA' with a stable outlook. This rating reflects the agency's assessment of the UAE's strong financial position, in addition to the strength of the government's consolidated sovereign assets.

   Documents:Central Bank rating page
4. 4

   Understand why the consensus matters

   This consensus among the three major global credit rating agencies underscores the UAE's advanced financial standing and reinforces its position as one of the few countries globally to maintain strong credit ratings from all major agencies. In practice, that consistency points to a stable footing for the wider financial system you bank within.

5. 5

   Verify the current figures at the source

   Ratings and outlooks are reviewed periodically, so the letter grades and dates can be updated. Rather than trusting a secondhand headline, go straight to the Central Bank of the UAE at centralbank.ae and read the current rating for yourself before relying on any specific figure.

   Documents:centralbank.ae

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