Innovation and trust are redefining banking. The institutions that lead with both will shape the future of financial services.
ICN KEMI
Key Executive Market Intelligence
Invitation Only
- Middle East
- 16 March 2026
- 1 min read
- As told to ICN KEMI
Building Tomorrow’s Banking, Today
Capital is no longer scarce in the region. What separates the institutions that endure, Al-Mansoori argues, is the discipline to deploy it slowly.
In Brief
The thesis
Capital abundance is over as a differentiator; balance-sheet discipline is the new edge.
The evidence
Meridian's NPL ratio sits at roughly half the regional average after slowing origination in 2024.
The risk
Digital franchises scaled on wholesale funding are exposed the moment liquidity tightens.
The watch
Giga-project refinancing, regulator timing, and family-conglomerate treasury reform through 2027.
On the Record
“The board that pushes you to grow in year one is the same board that thanks you for restraint in year three.”
This account was recorded and edited by the ICN KEMI editorial desk. Views are the executive’s own.
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