2025年阿联酋B2B支付实践趋势

B2B paymentpractices trends About the Atradius The Atradius Payment Practices Barometer is an annual survey of Our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informed Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companies This report presents the survey results for theUnited Arab Emirates. The survey was conducted during the second half of Q2 2025.Findings should therefore be viewed with this in mind. B2B paymentpractices trends Pressure on cash flow and profits amidsurge in bad debts There is a fragmented B2B payment landscape for companiesacross the United Arab Emirates (UAE), with steady conditions forsome but others face increasing financial pressure. 43% ofbusinesses report no recent change in how B2B customers pay, Overdue invoices currently affect 58% of B2B sales, with delayslargely driven by administrative inefficiencies in customerpayment processes, a factor that can create cash flow strain even An even more significant concern is a rise in bad debts, whichreveals that companies in the United Arab Emirates may need tostrengthen debt collection practices to protect cash flow andreduce write-offs. Slightly more than half of firms report baddebts capped at 5% of overdue B2B invoices, while the remainingbusinesses face write-offs ranging from 6% to 10%. This bringsthe average rate to 8%, a worrying level that can eat into profit B2B trade credit policies vary widely across the market. Somecompanies are restricting trade credit offerings, some maintainstable terms, and the rest are expanded their offerings to remaincompetitive. 50% of all B2B sales in the United Arab Emirates arecurrently transacted on credit, with average payment terms of 47 Inventory trends are mixed, with some companies levelling off andothers seeing stock build-ups, potentially tying up liquidity.Supplier payment trends also reflect pressure on working capital.While some companies maintain their usual payment schedules,other delay payments to suppliers to ease their own liquidityconstraints. Supplier credit is the main source of trade finance Key figures and charts United Arab Emirates United Arab Emirates % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple response) Customer’s liquidity issues Supply chain disruptions Sample: all survey respondents Source: Atradius Payment Practices Barometer United Arab Emirates – 2025 Source: Atradius Payment Practices Barometer United Arab Emirates – 2025 United Arab Emirates United Arab Emirates % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? 58% Trade credit52% Bank loans49% Internal funds(% of respondents - multiple response) (% of respondents) Sample: all survey respondentsSource: Atradius Payment Practices Barometer United Arab Emirates – 2025 Source: Atradius Payment Practices Barometer United Arab Emirates – 2025 Looking ahead Sales optimism tempered by concerns overgeopolitical instability Our survey finds that companies across the United ArabEmirates are entering the second half of the year with cautiousoptimism but also keeping a keen eye on emerging risks. Firmsare evenly divided in their expectations about the outlook forB2B customer insolvencies, with 50% foreseeing a rise and the The cautious outlook is mirrored in the views on working capitalmanagement among businesses in the United Arab Emirates.While many companies expect no significant shifts in the timingof payments from customers, inventory turnover, or paymentsto suppliers, others anticipate improvements that could unlock Despite the broader economic uncertainty, companies across theUnited Arab Emirates remain upbeat about their own prospects.Expectations for sales performance are high and nearly matchedby their confidence in profitability, a signal of commercial Looking ahead, most businesses recognise the criticalimportance of adaptability. There is widespread concern aboutintensifying geopolitical developments, shifting trade patterns,tightening regulatory demands, and growing environmentalexpectations. These challenges are prompting a greater focus onlong-term sustainability strategies. These worries about an Key industry insights Pharma Around half of B2B sales in the pharma industry are currently conductedon credit, and as many companies have steady trade credit policies as Three in five firms report no change in their payment terms, whichcurrently average nearly 50 days from invoicing. Overdue paymentsimpact about 60% of invoices, signalling persist