The document summarizes the UAE banking sector. It notes that the sector is governed by the UAE Central Bank and consists of 48 licensed national banks and 27 foreign banks. A SWOT analysis identifies strengths like economic growth fueling sector growth and high profitability. Weaknesses include a fragmented sector and high exposure to real estate loans. Opportunities exist in retail, mortgage, and Islamic lending. Risks include a lack of experienced executives and credit concentration in certain sectors.