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Fixed Income Securities - Invest in Bonds

International bonds from the US, Eurozone and Asia

Bonds are debt instruments and fixed income securities that offer regular income and play a significant role in providing stability to your portfolio. Whether you want to invest in bonds in the UAE, build your wealth, or diversify your investment portfolio, bonds are an attractive investment avenue that can fulfill all three objectives.

At Citi, you get access to a wide selection of bonds issued by reputable governments and organisations from around the world including the US, Eurozone and Asia. Choose from a variety of credit ratings based on your risk appetite and investment objectives. Investing in bonds will help you secure a steady income, predictable coupon payments, and the potential for capital appreciation.

To view the list of available bonds, please

Please follow below steps to get started!

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Set Up or Renew Investor Profile

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Update your W8 BEN U.S. FATCA Form

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Buy & Sell Fixed Income Securities (Bonds)

    

Bonds are debt instruments issued by governments and corporations, and can be denominated in US Dollars or any foreign currency.

Typically each bond issued has a fixed interest rate (also known as a coupon) paid at regular intervals and a tenure ranging from 1 month to 30 years. Upon maturity the issuer repays the ‘face value’ of the security in full along with any outstanding coupon payments

Fixed income investments offer several advantages over equities and cash savings. Bonds provide predictable coupon income at regular intervals, act as a stabiliser during equity market downturns, and return your full principal at maturity. For UAE-based investors, bonds also offer access to international markets — US, Eurozone and Asian issuers, within a single account, with the flexibility to sell on the secondary market before maturity if your needs change.

Bonds can be traded online 24x7 at Citibank Online (under Investments > eBrokerage) at competitive prices.

Buy Bonds Online

Examples of Bonds include:

Fixed Rate Bonds

These bonds pay the same amount of interest for their entire tenure, providing you with greater fixed income investment certainty.

Floating Rate Bonds

These bonds have a variable interest rate that are typically tied to market interest rates. When the reference market interest rate increases, the interest return may increase accordingly and vice versa.

Zero Coupon Bonds

A zero coupon bond makes no periodic interest payment, but instead it is usually offered at a discount from its face value. The return will be reflected from the gradual appreciation of the bond which is redeemed at face value on maturity date.

Perpetual Bonds

Perpetual bonds do not have a fixed maturity date, which means that theoretically, investors may never be repaid the principal. However, investors can expect to receive a steady stream of interest income indefinitely. The bond issuer may also recall the bond at any time due to factors like the current interest rate environment and refinancing costs.

Inflation-linked Bonds

Inflation-linked bonds may protect investors against the effects of inflation by adjusting the interest and principal payments according to a specified indicator of inflation, such as the Consumer Price Index (CPI). However, investors should note that inflation-linked bonds may underperform during periods of deflation.

Asset-backed Bonds

Asset-backed bonds' principal and interest payments are tied to cash flows from underlying assets, typically in the form of loans issued to individuals. Examples of asset-backed bonds include collateralized debt obligations (CDOs), collateralized mortgage obligations (CMOs), and mortgage-backed securities (MBSs).

Municipal Bonds

Municipal bonds are issued by a local government, city, state, or county to raise capital for public projects like building schools, parks, highways, and other infrastructure.

Claim Elimination Securities (CES)

Claim Elimination Securities (CES) are bonds with governing terms that explicitly state the elimination or substantial diminution of the holders' rights, such as the full or partial write-down of the bond's principal value or conversion into equity, upon the occurrence of a trigger event. Trigger events may include the decline of the issuer's Core Equity Tier 1 ratio beyond a specified level and a declaration of the issuer's non-viability by the applicable regulator.

Islamic Securities or Sukuk

Islamic securities, also known as Sukuk, are Shariah-compliant financial instruments that grant holders ownership to a portfolio of assets. Unlike traditional bonds, Islamic securities do not generate interest payments as it is prohibited by Islamic law; instead, they may provide periodic payments to holders based on the profit generated by the portfolio of assets.

Click here to view the Key Fact Statement for Fixed Income Securities.

For further information

Click here for Fixed Income Securities.

Click here for Hybrid Securities.

SECURITY ISINISSUERNAMEPROSPECTUS LINK STATUS
XS2993847131SAUDI ELECTRICITY SUKUK PROGRAMME COMPANY5.489% SAUDI ELECTRICITY SUKUK PROGRAMME COMPANY 18FEB2035  Click here
XS3282968372OMNIYAT SUKUK7.25% OMNIYAT SUKUK 1 4MAR2031  Click here
XS3289240726ALPHA STAR X6.125% ALPHA STAR X 5AUG2029  Click here
XS3195933067EGYPT TASKEEK7.95% EGYPT TASKEEK 7OCT2032  Click here
XS1485742438ALLIANZ SE3.875% ALLIANZ SE 07MAR2049  Click here
XS1957412981ALMARAI SUKUK LTD4.311% ALMARAI SUKUK LTD 05MAR2024Click here
XS1807408486ALPHA STAR HOLDING V6.625% ALPHA STAR HOLDING V 18APR2023            Click here
XS2311313378ARABIAN CENTRES SUKUK II5.625% ARABIAN CENTRES SUKUK II 07OCT2026        Click here
US172967HQ76CITIGROUP INC6.30% CITIGROUP INC 01JAN2050Click here
XS2262220143DAE SUKUK DIFC3.75% DAE SUKUK DIFC 15FEB2026    Click here
XS2124942595DAR AL-ARKAN SUKUK CO LT6.875% DAR AL-ARKAN SUKUK CO LT 26FEB2027Click here
XS2158697255DP WORLD SALAAM PERP6% DP WORLD SALAAM PERP      Click here
XS1488480333EMAAR SUKUK3.635% EMAAR SUKUK 15SEP2026 Click here
XS2052469165EMAAR SUKUK LTD3.875% EMAAR SUKUK LTD 17SEP2029Click here
XS1238157181GARUDA ID GLOBAL SUKUK0% GARUDA ID GLOBAL SUKUK 03JUN2023              Click here
XS1599284202KSA SUKUK LTD3.628% KSA SUKUK LTD 20APR2027Click here
XS2103157991MUMTALAKAT SUKUK HOLDING4.1% MUMTALAKAT SUKUK HOLDING 21JAN2027          Click here
XS2010037922NBK TIER 1 FINANCING 24.5% NBK TIER 1 FINANCING 2 01JAN2050Click here
XS2419405274PAKISTAN GLOBAL SUKUK7.95% PAKISTAN GLOBAL SUKUK 31JAN2029            Click here
XS1054250235SAUDI ELEC GLOBAL SUKUK4% SAUDI ELEC GLOBAL SUKUK 08APR2024Click here
XS2089155761SD INT SUKUK II LTD0% SD INT SUKUK II LTD 12MAR2025  Click here
XS1900582476SD INTERNATIONAL SUKUK0% SD INTERNATIONAL SUKUK 09MAY2022              Click here
XS2067187810SHARJAH SUKUK PROGRAM3.234% SHARJAH SUKUK PROGRAM 23OCT2029           Click here
XS1642682410SOFTBANK GROUP CORP6% SOFTBANK GROUP CORP 19JUL2099  Click here
XS1729876059THIRD PKSTAN INTL SUKUK5.625% THIRD PKSTAN INTL SUKUK 5DEC2022          Click here
XS1675855073CBB INTL SUKUK SIX5.25% CBB INTL SUKUK SIX 20MAR2025Click here
XS1720817540EMIRATES REIT SUKUK LTD55.125% EMIRATES REIT SUKUK LTD 12DEC2022Click here
XS1799523276OMAN SOVEREIGN SUKUK55.932% OMAN SOVEREIGN SUKUK  31OCT2025Click here
XS1805543516SIB SUKUK CO III LTD4.231% SIB SUKUK CO III LTD 18APR2023Click here
XS19532556165.625%  MUMTALAKAT SUKUK HOLDING5.625%  MUMTALAKAT SUKUK HOLDING 27FEB2024Click here
FR0011401728ELECTRICITE DE FRANCE SA6% ELECTRICITE DE FRANCE SA 29JAN2049Click here
US060505EN03BANK OF AMERICA CORP6.1% BANK OF AMERICA CORP 17MAR2049Click here
XS1642686676SOFTBANK GROUP CORP6.875% SOFTBANK GROUP CORP 19JUL2099Click here
US48124BAC90JPMORGAN CHASE & CO5.15% JPMORGAN CHASE & CO 01MAY2049Click here
USF2893TAM83ELECTRICITE DE FRANCE5.625% ELECTRICITE DE FRANCE 22JAN2049Click here
XS0248675364BARCLAYS BANK PLC5.3304% BARCLAYS BANK PLC 15DEC2036Click here
XS1558166861ICD SUKUK CO LTD5% ICD SUKUK CO LTD 01FEB2027Click here
XS1586385178HAZINE MUSTESARLIGI VARL5.004% HAZINE MUSTESARLIGI VARL 06APR2023Click here
XS1620176831OMAN SOVEREIGN SUKUK4.397% OMAN SOVEREIGN SUKUK 01JUN2024Click here
XS2358712896SHARJAH SUKUK PROGRAM3.2% SHARJAH SUKUK PROGRAM 13JUL2031Click here
XS0908512410SAUDI ELECTRICITY GLOBAL3.473% SAUDI ELECTRICITY GLOBAL 08APR2023Click here
XS1419869968DP WORLD3.908% DP WORLD 31MAY2023Click here
XS2069310865MAF SUKUK LTD3.9325% MAF SUKUK LTD 28FEB2030Click here
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XS1803114831NOOR SUKUK4.471% NOOR SUKUK 24APR2023Click here
XS1075401726EMG SUKUK LTD4.564% EMG SUKUK LTD 18Jun2024Click here
XS1897339096TNB GLOBAL VENTURES CAP4.851% TNB GLOBAL VENTURES CAP 01NOV2028Click here
XS2351310482OMAN SOVEREIGN SUKUK4.875% OMAN SOVEREIGN SUKUK 15JUN2030Click here
XS1577945824MAZOON ASSETS CO SAOC5.2% MAZOON ASSETS CO SAOC 08NOV2027Click here
XS2076168348ARABIAN CENTRES SUKUK5.375% ARABIAN CENTRES SUKUK 26NOV2024Click here
XS2172964715CBB INTL SUKUK PRGM SPC6.25% CBB INTL SUKUK PRGM SPC 14NOV2024Click here
US060505EL47BANK OF AMERICA CORP6.50 BANK OF AMERICA CORP 01JAN2050Click here
XS2066049219DAR AL-ARKAN SUKUK CO LT6.75% DAR AL-ARKAN SUKUK CO LT 15FEB2025Click here
XS1794398831DAR AL-ARKAN SUKUK CO LT6.875% DAR AL-ARKAN SUKUK CO LT 21MAR2023Click here
XS2100582142GFH SUKUK LTD7.5% GFH SUKUK LTD 28JAN2025Click here
XS2491049651DAR AL-ARKAN SUKUK CO LT7.75% DAR AL-ARKAN SUKUK CO LT 7FEB2026Click here
XS1877838877SAUDI ELEC GLB SUKUK4.723% SAUDI ELEC GLB SUKUK 27SEP2028Click here
XS2072816114KSA SUKUK LTD2.969% KSA SUKUK LTD 29OCT2029Click here
XS1959301471QIIB SENIOR SUKUK4.264% QIIB SENIOR SUKUK 05MAR2024Click here
USY5749LAA99MALAYSIA SOVEREIGN SUKUK3.043% MALAYSIA SOVEREIGN SUKUK 22APR2025Click here
XS2106056067FAB SUKUK2.5% FAB SUKUK 21JAN2025Click here
XS2125139464UPL CORP LTD5.25% UPL CORP LTD 01JAN2050Click here
XS2457678469SHARJAH SUKUK PROGRAM3.886% SHARJAH SUKUK PROGRAM 4Apr2030Click here
XS1106137687SHARJAH SUKUK LTD3.764% SHARJAH SUKUK LTD 17Sep2024Click here
US80413MAA27SAUDI ELEC GLOBAL SUKUK4% SAUDI ELEC GLOBAL SUKUK 8Apr2024Click here
XS2059789508IDB TRUST SERVICES LTD1.957% IDB TRUST SERVICES LTD 2Oct2024Click here
XS1991188548MAF SUKUK LTD4.638% MAF SUKUK LTD 14May2029Click here
XS1505674918TNB GLOBAL VENTURES CAP3.244% TNB GLOBAL VENTURES CAP 19Oct2026Click here
US68204LAB09OMAN SOVEREIGN SUKUK4.875% OMAN SOVEREIGN SUKUK 15Jun2030Click here
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XS2026710553DP WORLD CRESCENT LTD3.875% DP WORLD CRESCENT LTD 18Jul2029Click here
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XS2352861574SA GLOBAL SUKUK LTD0.946% SA GLOBAL SUKUK LTD 17Jun2024Click here
XS2124982971IDB TRUST SERVICES LTD1.809% IDB TRUST SERVICES LTD 26Feb2025Click here
XS2092625842IDB TRUST SERVICES LTD2% IDB TRUST SERVICES LTD 11Dec2024Click here
XS2235988206ICDPS SUKUK LTD1.81% ICDPS SUKUK LTD 15Oct2025Click here
XS2449907463FAB SUKUK COMPANY LTD2.591% FAB SUKUK COMPANY LTD 2Mar2027Click here
US71567PAV22PERUSAHAAN PENERBIT SBSN4.7% PERUSAHAAN PENERBIT SBSN 6Jun2032Click here
US71567RAV87PERUSAHAAN PENERBIT SBSN4.7% PERUSAHAAN PENERBIT SBSN 6Jun2032Click here
XS1992985694SAUDI TELECOM CO3.89% SAUDI TELECOM CO 13May2029Click here
US71567RAL06PERUSAHAAN PENERBIT SBSN3.9% PERUSAHAAN PENERBIT SBSN 20Aug2024Click here
US71567PAL40PERUSAHAAN PENERBIT SBSN3.9% PERUSAHAAN PENERBIT SBSN 20Aug2024Click here
US78478GAA13SAUDI TELECOM CO3.89% SAUDI TELECOM CO 13May2029Click here
XS2194282195IDB TRUST SERVICES LTD0.908% IDB TRUST SERVICES LTD 25Jun2025Click here
US71567RAK23PERUSAHAAN PENERBIT SBSN4.4% PERUSAHAAN PENERBIT SBSN 1Mar2028Click here
XS2501962539PD SUKUK LTD8.75% P.D OF SKH MD BIN KHALID 23SEP2025Click here
XS2680379695SHARJAH SUKUK PROGRAM6.092% SHARJAH SUKUK PROGRAM 19Mar2034Click here
XS2706163131SUCI SECOND INVEST CO6% SUCI SECOND INVEST CO 25Oct2028Click here
XS2608638602SAUDI ELECTRICITY SUKUK5.684% SAUDI ELECTRICITY SUKUK 11Apr2053Click here
XS2641777235ALMARAI CO JSC5.233% ALMARAI CO JSC 25Jul2033Click here
XS2615583510ALPHA STAR HLD VII7.75% ALPHA STAR HLD VII 27Apr2026Click here
XS2701661303ALPHA STAR HOLDING8.375% ALPHA STAR HOLDING 12Apr2027Click here
XS1881581968KSA SUKUK LTD4.303% KSA SUKUK LTD 19Jan2029Click here
XS2626274463KSA SUKUK LTD4.511% KSA SUKUK LTD 22May2033Click here
XS2626270040KSA SUKUK LTD4.274% KSA SUKUK LTD 22May2029Click here
XS2753304349BINGHATTI SUKUK SPC LTD9.625% BINGHATTI SUKUK SPC LTD 28Feb2027Click here
XS2633136234SOBHA SUKUK LTD8.75% SOBHA SUKUK LTD 17Jul2028Click here
USF2941JAA81ELECTRICITE DE FRANCE SA9.125% ELEC DE FRANCE PERPClick here
USG5852MAA02SOVEREIGN BOND OF MALDIVESSOVEREIGN BOND OF MALDIVES, 9.875% 8Apr2026Click here
XS2829208599KSA SUKUK LTD5.25% KSA SUKUK LTD 4Jun2030Click here
XS2824746544EI SUKUK COMPANY LTD5.431% EI SUKUK CO LTD 28May2029Click here
XS2764425117CBB INTL SUKUK PROG WLL6% CBB INTL SUKUK PROG WLL 12Feb2031Click here
XS2530049837EGYPT TASKEEK CO10.875% EGYPT TASKEEK CO 28Feb2026Click here
XS2648078322DAR AL-ARKAN SUK8% DAR AL-ARKAN SUKUK CO LT 25Feb2029Click here
XS2756519232ARABIAN CENTRES SUKUK III LTD9.5% ARABIAN CENTRES SUKUK III LTD 06MAR2029Click here
XS2830523465KSA SUKUK LTD5.25% KSA SUKUK LTD 4JUN2027Click here
XS3016636683RAK CAPITAL5% RAK CAPITAL 12Mar2035Click here
XS3065329446OMNIYAT SUKUK 1 LTD8.375% OMNIYAT SUKUK 1 LTD 6May2028Click here
XS3039166791SHARJAH ISLAMIC BANK PJSCSIB SUKUK CO IIIClick here
US71567RAT32PERUSAHAAN PENERBIT SBSN INDONESIA IIIPERUSAHAAN PENERBIT SBSN INDONESIA III 3.55% 09JUN2051Click here
XS2900389870HAZINE MUSTESARLTURKSK 6 1/2 04/26/30Click here
XS2993845945SAUDI ELEC SUKUKSECO 5.225 02/18/30Click here
XS3072231809GOVERNMENT OF TURKEYHAZINE MUSTESARLIGI VARLIK KIRALAMA ANONIM SIRKETI 6.75% 01-SEP-2030Click here
XS3101460304DAR AL-ARKAN SUKUKDAR-AL ARKAN SUKUK CO. LTD. 7.25% 02JUL2030Click here
XS2914525154SHARJAH SUKUK PROGRAMME LTDSHARJAH SUKUK PROGRAMME LTD. 5.433% 17APR2035Click here
XS2841181972ARADA SUKUK 2 LTDARADA SUKUK 2 LTD. 8.0% 24JUN2029Click here
XS3119606955ARADA SUKUK 2ARADA SUKUK 2 LTD. 7.15% 05AUG2030Click here
XS3145700491BINGHATTI SUKUK SPC LIMITED8.125% BINGHATTI SUKUK SPC LIMITED 07AUG2030Click here
XS3007588430ISDB TRUST SERVICES NO. 2 SARL4.45% ISDB TRUST SERVICES NO. 2 SARL 20FEB2030Click here
XS2441287773HAZINE MUSTESARLIGI VARLIK KIRALAMA ANONIM SIRKETI7.25% HAZINE MUSTESARL 24FEB2027Click here
XS3068594129GOVERNMENT OF BAHRAIN6.25% CBB INTERNATIONAL SUKUK PROGRAMME CO. Wll 07JUL2033Click here
XS3066663124DP WORLD CRESCENT LIMITED5.5% DP WORLD CRESCENT LTD. 08MAY2035Click here
XS3289056395BINGHATTI HOLDING LTDBINGHATTI SUKUK 2 SPV LIMITED 8.375% 12AUG2031Click here
XS3168203019SOBHA SUKUK I HOLDINGSOBHA SUKUK I HOLDING LTD. 7.125% 11SEP2030Click here
XS2677631355DP WORLD CRESCENT LTDDP WORLD CRESCENT LTD. 5.5% 13SEP2033Click here

Frequently Asked Questions

To invest in Fixed-Income Securities with Citi UAE, one must first apply for an Investment Account by visiting their nearest Citi branch or place a request on CBOL. After opening the account, prospective investors can access Citibank Online, choose 'eBrokerage' under the 'Investments' tab, select the desired account, and click 'Buy' to begin their investment journey. To start buying or selling Fixed Income Securities, investors must ensure their current/savings/checking account is funded. For additional support, investors can contact their Relationship Manager or call +971 4311 4000.

Investing in bonds brings capital preservation along with regular income in form of coupon pay out. Since fixed income securities bonds are relatively lower risk than stocks, they can provide portfolio diversification and potentially minimize losses in times of market volatility.

Bonds are debt securities issued by corporations, municipalities, and governments to raise capital for projects like infrastructure building and research and development. When investors purchase a bond, they are essentially extending a loan to the bond issuer. In return, the bond issuer agrees to repay the principal amount and any interest or dividends generated at the bond's maturity. Investors who choose to sell the bond before maturity may risk losing their principal in part or whole, as well as the remaining interest payments.

Eligible Citi clients can buy bonds by opening an investment account, completing required documentation, and accessing bond trading through Citibank Online. Bonds can then be selected and purchased based on availability and investor eligibility.

Investing in bonds involves choosing suitable bond types based on your income goals, risk appetite, and investment horizon. Investors can build a diversified fixed income portfolio by selecting from available bond options through platforms like Citibank Online.



DISCLAIMER

This website does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering document(s) for detailed information and applicable terms & conditions prior to subscription. Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advise and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.

Citibank N.A. UAE is registered with Central Bank of UAE under license numbers 202563 for Al Wasl Branch Dubai, 531989 for Mall of the Emirates Branch Dubai, and CN-1002019 for Abu Dhabi Branch. Tel: 04 311 4000.

Citibank N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.

Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority (“SCA”) to undertake the financial activity of A) Financial Consulting, Introduction and Promotion under license number 20200000097 B) Trading Broker in International Markets under license number 20200000198 C) Portfolios Management under license number 20200000240 D) Custody under license number 602003. For additional disclaimers and disclosures related to the product and/or service mentioned in this communication that you need to be aware of, please visit here.

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