A Leading Islamic bank with a Strong Customer Franchise
ADIB is a leading bank in the UAE and one of the largest Islamic bank globally by assets. Headquartered and listed in Abu Dhabi, ADIB was incorporated in 1997 to serve as the first Islamic bank in the Emirate of Abu Dhabi.
Over the last two decades, ADIB has demonstrated a consistent track record of growth with assets now totaling USD 53 billion. The bank currently serves more than 1.3 million customers through a balanced proposition that combines a highly-personalized customer experience with world-class digital banking services.
A Strong Board & Management Team Guided by Islamic Values
ADIB has embedded robust corporate governance principles overseen by an eminent board that supports a strong and experienced management team. The bank is guided by Islamic finance values, principles of responsible corporate citizenship, and a strong belief that banking solutions should always be simple, fair, and transparent.
A Universal Bank
ADIB is a full-fledged financial service provider that offers banking solutions for individuals, corporates and affluent customers. In addition, the wider ADIB Group provides brokerage, real estate and property management, payments and insurance services.
A Large Regional Presence
ADIB has one of the largest distribution networks in the UAE with 60 branches and 500 ATMs. Internationally, the bank has a presence in six strategic markets - Egypt, where it has 70 branches, the Kingdom of Saudi Arabia, the United Kingdom, Qatar, Sudan and Iraq.
A Digital Focus
ADIB’s digital transformation journey, which began more than two years ago, is centered around customers, ensuring that the bank’s digital solutions always deliver the best possible banking experience. The bank has seen a substantial rise in customer demand for its digital banking services with 80% of customers now enrolled through the bank’s digital channels and 99% of ADIB’s banking transactions conducted digitally.
An Internationally Recognized Bank
ADIB has received numerous awards from leading global organizations, having been named “World’s Best Islamic Bank” by IFN and the FT’s The Banker magazine, World’s Safest Islamic Bank by Global Finance, “Best Islamic Digital Bank” by Global Finance, and “Most Innovative Bank in the Middle East” by EMEA Finance.
| Credit Rating |
Long term |
Short term |
Outlook |
| Moody's Investors Service | A2 |
P1 |
STABLE |
| Fitch Rating | A+ |
F1 |
STABLE |
Share Data
02/04/2025
| Currency | AED |
| Previous Close | 16.56 |
| Change (%) | 3.24 |
| Volume | 3,306,162 |
| Number of shares (mln) | 3,632.00 |
| Market capitalisation (mln) | 60,145.92 |
| Financial Highlights, AED mn | ||||||
| Summary Income Statement | 2024 |
2023 |
2022 |
|||
| Net revenue from funding | 6,566 |
6,122 |
4,151 |
|||
| Fees, Commissions and Foreign Exchange Income | 2,358 |
2,071 |
1,200 |
|||
| Investment and Other Revenues | 1,708 |
1,100 |
1,483 |
|||
| Total Revenues | 10,632 |
9,294 |
6,835 |
|||
| Credit Provisions and Impairment Charge | 620 |
760 |
769 |
|||
| Net Profit after zakat & tax | 6,101 |
5,251 |
3,619 |
|||
| Summary Balance Sheet | ||||||
| Total Assets in AED (billion) | 225.9 |
192.8 |
168.5 |
|||
| Customer Financing in AED (billion) | 142.6 |
115.0 |
107.7 |
|||
| Customer Deposits in AED (billion) | 182.7 |
157.1 |
138.1 |
|||
| Financial Ratios | ||||||
| Customer Financing to Deposit Ratio | 78.10% |
73.22% |
77.98% |
|||
| Risk asset ratio - Total (CAR, %) - Basel III / Basel II | 16.21% |
16.80% |
17.17% |
|||
| Cost Efficiency Ratio | 29.58% |
32.94% |
34.92% |
|||
| ROAE | 27.9% |
27.1% |
21.4% |
|||
| ROAA | 2.91% |
2.91% |
2.37% |
|||
| EPS (AED) | 1.493 |
1.284 |
0.915 |
|||
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