Abu Dhabi Islamic Bank (ADIB)

What Abu Dhabi Islamic Bank (ADIB) does

Abu Dhabi Islamic Bank (ADIB) is a UAE Public Joint Stock Company founded in 1997 and headquartered in Abu Dhabi, licensed and regulated by the Central Bank of the UAE. It is one of the country's largest Islamic banks, serving retail (Personal), SME (Business), high-net-worth (Private), and corporate (Wholesale/Community/Commercial/Financial Institutions/Government Public Sector) customers across the UAE, Egypt (via a 70-branch subsidiary), and Iraq. ADIB's product suite is fully Shari'a-compliant under the UAE Higher Shariah Authority framework adopting AAOIFI standards, structured around Mudaraba profit-sharing on deposits, Murabaha/Ijarah financing, and Takaful (Islamic insurance), with prize-linked savings (Ghina, Salary Bonus) paid from shareholders' funds to keep rewards Halal.

The bank operates a multi-channel distribution platform anchored by 60+ UAE branches (including dedicated Dana Women's branches and Mall Branches), 500+ ATMs, smart tellers, and digital channels — the ADIB Mobile App (iOS, Android, Huawei AppGallery), e-ADIB Internet Banking, ADIB Direct for corporates, ADIB Securities e-Trading, ADIB Wealth on Investrack, Chat Banking, and Aani instant payments. ADIB became the first UAE bank licensed as an Open Finance Provider under the CBUAE AlTareq initiative (April 2026), the first globally to launch fractional sukuk via its Smart Sukuk Platform ($1,000 minimum, 80 offerings, April 2026), and the first UAE bank live on ADX Tabadul cross-border platform (May 2026). Other technology differentiators include biometric 3DS authentication (CBUAE Notice 2025/3057 compliant), mobile WPS salary payment integration with UAE MOHRE data, and a generative-AI-powered web chat virtual assistant.

ADIB's revenue mechanics combine recurring income from Islamic financing (Murabaha, Ijarah) and Mudaraba profit-sharing on deposits with transaction fees from sukuk issuance/arrangement (notably $500M green senior sukuk and $750M perpetual Islamic bonds in 2023), covered-card fees (Emirates Skywards, Etihad Guest, SHARE/MAF, Booking.com, Smiles, Dana, Cashback Visa), payment gateway and merchant services, brokerage (ADIB Securities), asset management (ADIB Capital's Global Healthcare Fund with BlackRock), and FX/treasury/trade finance. GTM is hybrid: direct-to-consumer across Personal/Business/Private/Wholesale segments via branches and digital, product-led growth through Smart Sukuk and AlTareq Open Finance, enterprise field sales via mandated lead arranger roles on syndicated Shari'a-compliant facilities (DAE $2.8B, Khazna 1.5GW solar, TA'ZIZ $2B methanol), and channel partnerships with DAMAC, Dubai Holding Real Estate, Dubai Chambers, Awqaf Abu Dhabi, Majid Al Futtaim, Visa, Mastercard, BlackRock, and Nasdaq Dubai. ADIB targets AED 60 billion in sustainable finance mobilization by 2030, with AED 20.3 billion (~34% progress) achieved by end-2025.

Name

Abu Dhabi Islamic Bank (ADIB)

Legal name

Abu Dhabi Islamic Bank Public Joint Stock Company

Website

https://adib.ae

Company type

Public

Founded year

1997

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Abu Dhabi Islamic Bank (ADIB) is a UAE Public Joint Stock Company (founded 1997, ADX-listed) operating a fully Shari'a-compliant retail, SME, private, and wholesale Islamic banking franchise across the UAE, Egypt, and Iraq, with 60+ UAE branches, 500+ ATMs, and digital channels serving mass-market and priority segments.

Ownership category

akta.pro rank

Product category

Islamic Retail & Commercial Banking

NAICS

Depository Credit Intermediation (5221), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Other Financial Investment Activities (5239), Finance and Insurance (52), Open-End Investment Funds (52591)

SIC

National Commercial Banks (6021), Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Asset-Backed Securities (6189)

akta.pro primary industry

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH)

akta.pro secondary industries

Islamic Corporate Banking (FSABAGAC), Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF), Islamic Investment Banking & Capital Markets Services (FSABAGAG), Islamic Private Banking & Wealth (FSABAGAD), Islamic Deposit & Account Products (Current/Savings/Investment Accounts) (FSABAGAI), Islamic SME & Commercial Banking (FSABAGAB), Islamic Treasury, Liquidity & Interbank (Commodity Murabaha, Sukuk Liquidity) (FSABAGAK)

Keywords

• Islamic banking services
• Shari'a-compliant finance
• Retail banking UAE
• Wholesale banking services
• Wealth management solutions

Headquarters

HQ city

Abu Dhabi

HQ country

United Arab Emirates

HQ region

Middle East

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Infrastructure, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Islamic Financing Income (Murabaha, Ijarah, etc.): Profit/interest-based income from Shari'a-compliant financing products including personal finance, home finance, car finance, education finance, boat finance, EV finance, travel finance, business finance, trade finance, and relationship-based finance. Revenue is recurring based on outstanding financing portfolio.
2. Deposit & Investment Account Profit-Sharing (Mudaraba): Mudaraba-based profit sharing on savings accounts, investment deposit accounts, short-term investment accounts, business savings, business time deposits, business Wakala deposits, Ghina, Banoon, Smart, and Salary Bonus accounts with expected monthly/quarterly profit distribution.
3. Sukuk & Bond Issuance / Capital Markets: Revenue from primary issuance, structuring, and placement of Islamic capital markets instruments, including ADIB's own $500M green senior sukuk (2023) and $750M perpetual Islamic bonds (2023), plus role as mandated lead arranger on Shari'a-compliant syndicated facilities (e.g., DAE $2.8B, Khazna 1.5GW solar).
4. Banking Fees & Charges (Covered Cards, Transfers, Remittances): Fee income from covered card annual fees (e.g., Emirates Skywards Infinite AED 4,500, Signature AED 1,500), card transactions, Aani instant payments, ADIB Payment Gateway, POS, Aani merchant services, fall-below fees, cheque book issuance (AED 25), and international remittances.
5. Takaful (Islamic Insurance) Commissions: Commission income from distribution of Shari'a-compliant insurance (Takaful) products including Motor Takaful, Covered Cards Takaful, Personal Finance Takaful, School Fees Protection, Male/Female Care Plans, Personal Accident, Household Takaful, and ADIB Mazaya/Business Takaful.
6. Wealth Management & Asset Management Fees: Fee-based revenue from investment solutions, ADIB Securities brokerage, ADIB Wealth Management for Priority/Rise segments, ADIB Capital-managed funds (e.g., ADIB Global Healthcare Fund with BlackRock), and Exceed Rewards loyalty programme.
7. Digital Platform Revenue (Smart Sukuk, Smart Deals): Revenue from ADIB Smart Sukuk Platform (transaction-based fractional sukuk trading with $1,000 minimum), Smart Deals merchant discount programme (1,500+ deals), and Aani real-time payments network participation.
8. Treasury, FX & Trade Finance: FX income, treasury product income, trade finance fees, and correspondent banking/financial institutions income from community/commercial banking and global transaction services.

Pricing tiers

Go-to-market motion5 records

Distribution channels11 records

Marketing channels10 records

Core offering

Abu Dhabi Islamic Bank is a UAE-based Shari'a-compliant (Islamic) bank providing retail, business, private, and wholesale banking products and services. Its portfolio spans deposit accounts (Current, Savings, Mudaraba-based Investment, Ghina prize-linked, Banoon children, Wasel cross-border), covered cards (SHARE, Exceed, Emirates Skywards, Etihad Guest, Cashback, Booking.com, Smiles), personal finance (Home, Car, EV, Education, Travel, Boat, Personal Murabaha, Yusr Salary Advance), business banking (Business Elite/Premium/One, Merchant, Trade Finance, ADIB Payment Gateway), Takaful insurance, wealth management (ADIB Securities, ADIB Wealth, ADIB Capital, Smart Sukuk Platform), and wholesale/corporate banking (community, commercial, financial institutions, government, global transaction services) distributed through 60+ UAE branches, 500+ ATMs, and digital channels including the ADIB Mobile App.

Product overview

ADIB is a single integrated Islamic bank (not a multi-brand platform) offering Shari'a-compliant retail, business, private, and wholesale banking products through unified digital channels (ADIB Mobile App, e-ADIB Internet Banking, ADIB Direct for corporates) and a UAE branch network. Its product portfolio is segmented by customer type: Personal Banking (Accounts: Current, Savings, Ghina Savings/Salary, Banoon Children, Electron, Short Term Investment, Investment Deposit, Wasel Egypt, Student, Smart, Salary Bonus, Amwali; Cards: SHARE Visa Infinite/Platinum, Exceed, Emirates Skywards, Etihad Guest, Cashback, Booking.com, Smiles, ISIC, Dana; Finance: Personal, Home, Car, EV, Education, Travel, Boat, Goods Murabaha, Yusr; Takaful: Motor, Covered Cards, Personal Finance, School Fees, Male/Female Care, Personal Accident, Household; segmented offerings: Rise, ADIB Mazaya, Dana Women's Banking, ADIB@Work, Priority Banking Gold/Diamond), Business Banking (Business Elite/Premium/One, Merchant, Business Connect, Trade Finance, ADIB Payment Gateway, Mini POS, Aani merchant services), Private Banking, Wholesale Banking (Community, Commercial, Financial Institutions, Transaction Banking, Government Public Sector), and Wealth/Capital Markets (ADIB Securities e-Trading, ADIB Wealth, ADIB Capital Global Healthcare Fund, ADIB Smart Sukuk Platform for fractional sukuk). All products are bound by the AAOIFI-aligned UAE Higher Shariah Authority framework and are delivered primarily through the ADIB Mobile App and internet banking front-ends.

Differentiator

Problem solved

Functional benefit

Brands

• ADIB Securities: Brokerage and trading platform offered by ADIB.
• ADIB Capital
• ADIB Ventures
• ADIB Wealth
• ADIB Direct
• ADIB Rise
• ADIB Mazaya
• ADIB Dana
• ADIB Smart Sukuk
• ADIB Smart Deals
• Exceed
• SHARE
• Ghina
• Banoon
• ADIB Egypt
• ADIB Iraq

Products and services

• ADIB Current Account

Named customers11 records

Segments9 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability4 records

Feature6 records

Partnerships

20 partnerships are on record, tiered core and minor.

• Emirates NBD (Lead Receiving Bank for UAE Retail T-Sukuk)coreChannel Partner/ Reseller/ Distributor · 18 June 2026ADIB among 5 participating banks (with Emirates NBD as Lead Receiving Bank, Emirates Islamic, Ajman Bank, Mashreq) for UAE Ministry of Finance Sovereign Retail T-Sukuk programme with Dh1,000 minimum subscription, listed on Nasdaq Dubai.
• DAMAC PropertiescoreStrategic or Co-development Partner · 25 May 2026Joint home financing plan designed to make UAE homeownership more accessible through flexible financing structures, fee waivers, and Shariah-compliant insurance. Aligns with ADIB's Vision 2035 to become the world's most innovative Islamic bank and DAMAC's goal of expanding homeownership opportunities in the UAE. Supports ADIB's Vision 2035 and DAMAC's homeowner expansion.
• Al Etihad Payments (AANI / IPP)coreTechnology or Integration · 20 May 2026ADIB integrated AANI Instant Payment Platform for real-time domestic payments; AANI listed as a judging panel participant in ADIB's UAE Cybersecurity Innovation Challenge.
• Dubai Holding Real Estate (Nakheel, Meraas, Dubai Properties)coreStrategic or Co-development Partner · 18 May 2026Integrated Sharia-compliant home financing solutions for customers across Nakheel, Meraas, and Dubai Properties portfolios, signed 18 May 2026. Combines ADIB's Islamic finance expertise with Dubai Holding Real Estate's developer portfolio to streamline buyer financing and reduce upfront costs.
• Jubail Investment CompanyminorStrategic or Co-development Partner · 2 April 2026ADIB strengthening partnership to deliver the Jubail Island project in Abu Dhabi, financing the development from start to finish.
• BlackRock Financial ManagementcoreStrategic or Co-development Partner · 1 April 2026ADIB Capital Limited (wholly owned subsidiary of ADIB PJSC) co-manages the ADIB Global Healthcare Fund with BlackRock Financial Management. Shari'a-compliant public fund incorporated in DIFC providing investors access to listed healthcare equities in developed markets (pharma, biotech, healthcare services, medical devices).
• Sharjah Charity InternationalminorGTM or Marketing Partner · 8 March 2026CSR partnership distributing 10,000 iftar meals across six locations to mark Zayed Humanitarian Day, with ADIB support as part of its corporate social responsibility initiatives.
• UAE Cyber Security CouncilcoreStrategic or Co-development Partner · 23 January 2026Co-organized the UAE Cybersecurity Innovation Challenge alongside DIFC Innovation Hub; aligned with ADIB's 2035 Vision and the UAE National Cybersecurity Agenda. ADIB Ventures acts as a catalyst through open innovation.
• DIFC Innovation HubcoreStrategic or Co-development Partner · 20 January 2026Co-organized the UAE Cybersecurity Innovation Challenge; reviewed 50+ global pitches and selected 10 finalists with judging panel including Microsoft, Visa, and Al Etihad Payments representatives; three winners announced (Corgea US, Nothreat UK, DTEX Systems US).
• KFH Sukuk Company (Kuwait Finance House)minorChannel Partner/ Reseller/ Distributor · 6 January 2026ADIB acts as Stabilisation Manager (alongside Bank of China, Boubyan Bank, Dubai Islamic Bank, Emirates NBD Capital, First Abu Dhabi Bank, KFH Capital, Mizuho, Standard Chartered Bank, The Islamic Corporation for the Development of the Private Sector, HSBC) for KFH Sukuk Company's USD benchmark fixed rate sukuk due January 13, 2031. Stabilisation period January 6, 2026 to no later than February 12, 2026.
• Dubai ChamberscoreGTM or Marketing Partner · 4 January 2026MoU to strengthen banking support for SMEs in Dubai, providing access to global banking services, ADIB Ventures fintech innovation, and Sharia-compliant financial solutions; aligns with Dubai's D33 economic agenda to double the emirate's economy by 2033.
• Awqaf Abu DhabiminorStrategic or Co-development Partner · 3 December 2025Partnership to support digital transformation and growth of sustainable endowment contributions in Abu Dhabi, empowering endowment entities with innovative banking solutions.
• ADGM (Abu Dhabi Global Market)coreStrategic or Co-development Partner · 12 November 2025ADIB participated in the 8th Abu Dhabi Sustainable Finance Forum (ADSFF) hosted by ADGM in partnership with the Global Climate Finance Centre (GCFC), Hanwha, and the EU GCC Cooperation on green transition project during Abu Dhabi Finance Week (ADFW). 23 MoUs signed; UAE Sustainable Finance Working Group endorsed new Principles for Climate Transition Planning.
• Abu Dhabi Commercial Bank (ADCB)minorChannel Partner/ Reseller/ Distributor · 11 July 2023Co-issuance in regional bond market window July 2023, with ADCB issuing $500M five-year senior unsecured bonds and ADIB issuing $750M perpetual Islamic bonds; both transactions attracted strong investor demand during a lull in regional debt issuance.
• Majid Al Futtaim (Carrefour, Mall of the Emirates, City Centre, Ski Dubai, Magic Planet)coreGTM or Marketing PartnerADIB is an official banking partner of Majid Al Futtaim. ADIB SHARE Visa Cards (Infinite and Platinum) earn SHARE Points at 5,000+ MAF stores with up to 12% back for the first 3 months and up to 6% thereafter. Infinite: 6% at Carrefour/MAF destinations; Platinum: 3%. 1 SHARE Point = AED 0.10, redeemable instantly with no minimum. Compatible with Apple Pay, Google Pay, and Samsung Pay.
• Emirates (Emirates Skywards Loyalty Programme)coreGTM or Marketing PartnerCo-branded Emirates Skywards Visa Infinite and Visa Signature Cards structured under Murabaha principles (free from Riba and Gharar). Skywards Miles are credited from ADIB's shareholders' funds. Exclusive benefit: complimentary Emirates Home Check-In service for Infinite cardholders in Abu Dhabi and Dubai. Up to 50,000-120,000 bonus Skywards Miles welcome bonuses.
• Etihad Airways (Etihad Guest Loyalty Programme)coreGTM or Marketing PartnerCo-branded Etihad Guest Visa Infinite, Platinum, Gold, and Classic Cards. Cardholders earn up to 3.5 Etihad Guest Miles per 4 AED spent, with benefits including free companion tickets, fast-track to Etihad Guest Gold/Silver tier, free airport lounge access, valet parking, and roadside assistance. Miles credited within 6 weeks of monthly statement.
• Booking.comcoreGTM or Marketing PartnerADIB Booking.com Visa Signature Card offering 10% discount through Booking.com Genius Program, valet parking, and unlimited complimentary airport lounge access. ADIB Booking Infinite Card with 200,000 sign-up reward points. Points redeemable for flights, hotels, or any travel with any airline.
• Visa (Card Network Partner)coreTechnology or IntegrationVisa card network partner across ADIB's Covered Card portfolio (SHARE Visa Infinite/Platinum, Etihad Guest Visa Infinite/Platinum/Gold, Emirates Skywards Visa Infinite/Signature, Booking.com Visa Signature, Cashback Visa, Smiles, SHARE, Edge, Spice). Co-developed biometric 3DS authentication in line with CBUAE Notice 2025/3057. Judging panel participant in ADIB's UAE Cybersecurity Innovation Challenge.
• Mastercard (Card Network Partner - Dana, Wasel)coreTechnology or IntegrationMastercard partner for ADIB Dana Master Card (1.25% cashback on international spend, 0.8% on domestic spend, access to 900+ VIP airport lounges worldwide) and ADIB Egypt Wasel Account Mastercard Platinum Debit Card.

Scale indicators21 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Dubai Islamic Bank (DIB): UAE's largest pure Islamic bank by assets and the most direct competitor to ADIB across retail, business, and wholesale Islamic banking. Both banks compete head-to-head on Shari'a-compliant corporate finance, sukuk issuance, retail prize-linked savings, and UAE mortgage market share.
• Emirates Islamic Bank: A wholly owned subsidiary of Emirates NBD, Emirates Islamic is a major UAE Islamic bank directly competing with ADIB on retail accounts, home finance, and corporate Shari'a-compliant deals. Backed by ENBD's larger balance sheet, it represents ADIB's most scale-advantaged competitor.
• Kuwait Finance House (KFH): The world's largest Islamic bank by market cap, with a Shari'a-compliant product suite spanning retail, corporate, investment banking, and sukuk issuance. KFH and ADIB directly compete for GCC Islamic capital markets mandates, including as joint stabilisation managers on benchmark sukuk.

Regional players

• Sharjah Islamic Bank: UAE Islamic bank headquartered in Sharjah offering retail, corporate, and treasury Shari'a-compliant products. Smaller than ADIB but a relevant regional competitor in the Northern Emirates, particularly for SME and government deposit flows.
• Qatar Islamic Bank (QIB): Qatar's largest Islamic bank and a leading GCC Islamic banking peer. QIB competes with ADIB for regional sukuk mandates, GCC private banking flows, and project finance advisory, providing a relevant benchmark for ADIB's institutional and wealth management ambitions.

Broad incumbents

• Abu Dhabi Commercial Bank (ADCB): One of Abu Dhabi's largest conventional banks and a fellow ADX-listed institution. ADCB competes with ADIB on UAE corporate finance and government-related mandates, and the two banks co-issued in the regional bond market in July 2023, indicating close market positioning.
• First Abu Dhabi Bank (FAB): UAE's largest bank by assets and a dominant Abu Dhabi-headquartered incumbent. FAB competes with ADIB on Shari'a-compliant project finance (Khazna syndicate, large corporates), sustainability-linked lending, and digital innovation, and co-participates in ADSFF alongside ADIB.
• Emirates NBD (ENBD): UAE's largest banking group by market cap, parent of Emirates Islamic. ENBD competes with ADIB across conventional and Islamic banking, including as a mandated lead arranger on DAE's $2.8B facility alongside ADIB.
• Al Rajhi Bank: Saudi Arabia's largest Islamic bank by assets and a global Islamic banking leader. While primarily Saudi-focused, Al Rajhi is a benchmark for Islamic retail and consumer finance products that ADIB models its own personal banking offering against.

Emerging players

• Bank Nizwa: Oman's first and largest Islamic bank, offering Shari'a-compliant retail and corporate banking. Smaller and earlier-stage than ADIB, Bank Nizwa represents an emerging Islamic banking peer across the GCC that ADIB could eventually partner with or compete against for cross-border GCC flows.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/abu-dhabi-islamic-bank
• Xx.com/adibtweets
• Facebookfacebook.com/adib

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries5 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments7 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Abu Dhabi Islamic Bank (ADIB)