FAB underwriters check 3 to 6 months of statements against CBUAE's 50% debt-burden ratio. A converted spreadsheet shows the picture before they do.
Convert your FAB statementFAB evaluates 3 to 6 months of statements for retail personal and auto loans. The focus is WPS salary transfer consistency, debt-burden ratio at or below CBUAE's 50% cap, and absence of returned cheques or dishonoured direct debits. Salary transfer to FAB is often the gate for preferential rates — the bank wants to see the credit relationship first.
Because FAB is institutionally weighted, its retail loan desk benchmarks applicants against a corporate-employee baseline. Salaried customers from Abu Dhabi sovereign entities and large government-linked corporates get the smoothest treatment. Self-employed and free-zone applicants face a higher documentation bar — typically 6 months of statements plus trade-licence evidence.
FAB issues English-dominant PDFs with DD/MM/YYYY dates. WPS salary credits print with the employer's MoHRE registration number — the row underwriters care about most. Direct debit obligations (DEWA, Etisalat, du, school fees, existing FAB cards) line up as recurring debits. Returned or unpaid items are flagged in the descriptor and Kashfbank tags them in the Category column.
If you hold multi-currency sub-accounts, the AED ledger is the one that counts for DBR. FAB normalises foreign currency balances to AED for ratio calculations. Multi-currency statements export as separate sheets, so the AED sheet alone can be passed to a credit officer.
Review your FAB export before the bank sees it. Confirm salary lands on the same date each month, total recurring debits stay under 50% of net salary, and the closing balance is stable rather than dropping monotonically. Catch any returned direct debits and decide whether to address them with the officer up front.
English-dominant PDF. Dates DD/MM/YYYY. Account summary panel at top (opening balance, total debits/credits, closing balance). Multi-currency lines show original currency + AED equivalent. Every transaction has a unique reference number. Pre-merger FGB or NBAD statement formats may appear in older archives — headers differ but column structure is consistent.
| Label | Meaning |
|---|---|
| POS PURCHASE | Card payment at merchant POS |
| ATM WITHDRAWAL | Cash withdrawal at ATM |
| SALARY TRANSFER | WPS salary credit from employer |
| SWIFT TRANSFER IN | International wire received |
| SWIFT TRANSFER OUT | International wire sent |
UAE personal loan applications require 3–6 months; Central Bank capped debt-burden ratio at 50% of salary, so lenders calculate total monthly obligations from the statement.
Download 3 to 6 months of FAB PDFs
Open FAB Mobile, request statements covering the last 3 to 6 months, save the PDFs. Upload them to Kashfbank. They merge into a single chronological spreadsheet.
Verify salary continuity
Filter by Category to Income. You should see one WPS salary credit per month with the same employer MoHRE code. Any gaps explain themselves now rather than during underwriting.
Calculate your debt-burden ratio
Sum monthly recurring debits — loan EMIs, card minimums, DEWA, du, Etisalat. Divide by net salary. Stay under 50% to meet the CBUAE cap. Anything close to 50% suggests reducing exposure before applying.
Export and review
Download the merged CSV. Spot returned-cheque flags, unusual large transfers, or balance drops. Decide whether to address them with the FAB officer or wait for a stronger month.
Common challenges
Does FAB require salary transfer to approve a personal loan?
Not strictly, but salary transfer to FAB is often the condition for the bank's preferential rate. Without it, you may be offered a higher rate or a lower limit. Your converted statement makes the case either way by showing the salary continuity at your current bank.
How many months of FAB statements does the loan officer want?
Three to six months for personal and auto loans. Self-employed and free-zone applicants are usually asked for six. Corporate loan applications go higher — twelve months is common. Kashfbank merges multiple PDFs into one chronological view.
Will FAB see my multi-currency balances or just the AED side?
For DBR and salary continuity, FAB looks at the AED ledger. The bank normalises USD or EUR sub-account balances to AED. Kashfbank's per-currency sheet structure lets you submit the AED sheet alone if the officer prefers.
I have a returned direct debit from two months ago. Should I address it?
Yes. FAB's underwriting flags returned items. The converted statement shows the row and the date. Brief the officer up front — usually a one-line explanation and proof of subsequent payment is enough. Hidden issues are worse than disclosed ones.
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Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
Full country guide →Statement language: English