Abu Dhabi Islamic Bank Egypt

What Abu Dhabi Islamic Bank Egypt does

Abu Dhabi Islamic Bank Egypt (ADIB Egypt) is a Cairo-headquartered Sharia-compliant commercial bank incorporated as a Public Joint Stock Company in 1997 under Amiri Decree No. 9 and operating since November 1998. The bank is a majority-owned subsidiary of Abu Dhabi Islamic Bank (ADIB UAE), which provides capital support including subordinated financing tranches of USD 30 million and USD 66.925 million, and is publicly listed on the Egyptian Stock Exchange (EGX: ADIB) since 19 June 1996 (with the bank itself founded in 1997). ADIB Egypt describes itself as the largest Islamic bank in the Egyptian market, operating 74 branches across Egypt, serving approximately 865,000 customers, and pursuing a stated goal of reaching 2 million customers by 2028. Issued and paid-up capital stands at EGP 12 billion (authorized EGP 20 billion), with a board-approved proposal to raise paid-up capital to EGP 15 billion via cash in August 2025.

The bank operates a universal Islamic banking platform organized into Personal/Retail, SME, Corporate, and Private Banking (ADIB Diamond) segments, supported by a digital channel (ADIB Click internet and mobile banking), an ATM network, and a 24/7 contact center. Core Sharia-compliant products include Mudaraba-based savings and investment deposits with disclosed expected profit rates (up to 18.50% on floating-rate Mudaraba, up to 19% on AL Ghina Sukuk, up to 17.50% on El Ghina Plus), auto Murabaha (new and used vehicles), property and personal Murabaha (El Yosr), card products on Visa and Meeza rails (prepaid, cash-back, debit, ADIB-Etisalat co-branded, ADIB Business), custodian services on the Egyptian Stock Exchange, and Sharia-compliant money market and equity funds (El Naharda, Sanabel). Digital and security features include Masarify 3altayer digital wallet, the Beat contactless payment device (launched October 2020), OTP Token Authentication, Apple Pay and Google Pay integration, bill payment via Fawry, and multi-layer online security (firewall, encryption, dual-factor authentication, anti-skimming). A subsidiary ecosystem covers consumer finance (ADI Consumer Finance), microfinance (Arzak), financial leasing and mortgage (ADI Finance), securities and brokerage (ADI Taskeek), investment banking (ADIB Capital), and securitization.

ADIB Egypt generates revenue primarily through net financing margins on Murabaha and Mudaraba arrangements, deposit and card fees (interchange, transaction fees, annual fees), fund management and custody fees, and subsidiary financing activity. Distribution is omnichannel: 74 branches, ADIB Click digital, the mobile app (Google Play and App Store), ATMs, the subsidiary network, and recent ecosystem partnerships with Biddex (used-car marketplace auto financing, December 2025), Breadfast Pay (Breadfast Card, October 2025), and the National Bank of Egypt (co-financing through ADI Finance, November 2025). Financial performance is strong by sector standards: total assets of EGP 260 billion in 2024 with a ~93% year-over-year increase in net profit to approximately EGP 9 billion, and FY2025 consolidated profit of EGP 12.60 billion.

Name

Abu Dhabi Islamic Bank Egypt

Legal name

Abu Dhabi Islamic Bank – Egypt

Website

https://adib.eg

Company type

Public

Founded year

1997

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Abu Dhabi Islamic Bank Egypt is a Cairo-based, Sharia-compliant commercial bank serving retail, SME, corporate, and private banking customers through 74 branches and the ADIB Click digital platform, with EGP 260 billion in assets and approximately 865,000 customers.

Ownership category

akta.pro rank

Product category

Islamic Retail and Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Islamic SME & Commercial Banking (FSABAGAB)

akta.pro secondary industries

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH), Islamic Corporate Banking (FSABAGAC), Islamic Deposit & Account Products (Current/Savings/Investment Accounts) (FSABAGAI), Islamic Private Banking & Wealth (FSABAGAD), Islamic Investment Banking & Capital Markets Services (FSABAGAG)

Keywords

• Islamic banking services
• Sharia-compliant financing
• Retail banking Egypt
• Corporate banking solutions
• Digital banking platform

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Islamic Financing and Murabaha: ADIB Egypt generates revenue through Islamic financing products including Murabaha (cost-plus financing), Mudaraba investment deposits, and various financing programs for retail, SME, and corporate customers. Fees are collected on financing arrangements, trade finance, and other banking services.
2. Card Services and Fees: The bank earns fees from its card portfolio including prepaid cards, cash-back cards, debit cards, and co-branded cards (such as ADIB-Etisalat loyalty points card). Revenue includes interchange fees, annual fees, and transaction charges.
3. Investment and Fund Management: Revenue from investment products including the El Naharda Shari'a Compliant Money Market Fund, Sanabel Equity Fund, and custodian services for clients on the Egyptian Stock Exchange. Management fees and custodian charges are collected.
4. Digital Banking Services: Fees from internet and mobile banking services, e-collection services, bill payments, and other digital banking transactions. The bank operates ADIB Click internet and mobile banking platform.
5. Subsidiary Operations: The bank collects financing and transaction fees through subsidiaries including ADI Finance (Islamic finance), ADIB Consumer Finance, ADI Microfinance (Arzak), and ADI Securitization. These subsidiaries offer financial leasing, mortgage financing, consumer finance, and micro-enterprise lending.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Abu Dhabi Islamic Bank – Egypt is a Sharia-compliant commercial bank offering personal, SME, corporate, and private banking products and services. Its portfolio includes savings and investment accounts (Mudaraba, Sukuk), Murabaha-based personal and auto financing, property/mortgage finance (Tamleek), a range of debit, prepaid, and credit cards, investment funds (El Naharda Money Market Fund, Sanabel Equity Fund), custodian services on the Egyptian Stock Exchange, and treasury/foreign exchange services. Distribution is delivered through 74 physical branches, an ATM network, and digital banking platforms (ADIB Click internet and mobile banking plus the Masarify 3altayer digital wallet), supported by subsidiaries covering consumer finance, microfinance (Arzak), Islamic finance (ADI Finance), capital markets (ADIB Capital), and securitization.

Product overview

Abu Dhabi Islamic Bank Egypt operates as a full-service Islamic banking institution offering a comprehensive portfolio of Sharia-compliant financial products and services. The bank operates a universal banking model with distinct divisions for Personal Banking, SME/Business Banking, and Corporate Banking, supplemented by a digital banking platform (ADIB Click) and multiple subsidiaries. The product architecture consists of core banking services (accounts, cards, financing) supported by digital channels, investment products (money market and equity funds, custody services), and specialized subsidiaries covering consumer finance, micro-finance, investment services, and securities brokerage. The ADIB Click digital platform provides 24/7 Internet and Mobile Banking access with features including Masarify digital wallet, E-Collection, and OTP authentication. Premium services are delivered through ADIB Diamond, while the bank maintains an extensive branch and ATM network across Egypt.

Differentiator

Problem solved

Functional benefit

Brands

• ADIB Diamond: Premium banking service offering exclusive benefits and unique services tailored for elite clients.
• ADIB Click
• Xcite
• ADIB Simple
• ADIB Etisalat Cards
• Tamleek
• ADIB Private Banking
• ADIB Capital
• ADI Finance
• ADI Consumer Finance
• ADI Taskeek
• Masarify 3altayer
• Wasel
• El Ghina

Products and services

• ADIB Click Internet and Mobile Banking A digital banking gateway providing 24/7 Internet Banking and Mobile Banking access, enabling customers to complete transactions including transfers, beneficiary management, and bill payments without visiting a branch; serves retail and SME customers of ADIB Egypt.
• ADIB Diamond Premium Banking A premium banking service offering exclusive benefits, lifestyle privileges, dedicated relationship management, and Diamond Sukuk investments for elite and high-net-worth clients.
• Al Ghina / Al Ghina Plus Savings Accounts Islamic savings accounts offering expected profit rates up to 17.50%, designed for customers seeking Sharia-compliant savings with competitive returns.
• 365 Days Account Sharia-compliant savings account offering daily profit accumulation, targeting customers who want frequent crediting of expected returns.
• Mudaraba Investment Deposit Islamic profit-sharing investment deposit using the Mudaraba structure, offering floating expected profit rates up to 18.50% on qualifying tiers, for customers seeking Sharia-compliant higher-yield investments.
• EGP Sukuk and Diamond Sukuk Investment Products Sharia-compliant Sukuk investment products denominated in EGP and a Diamond Sukuk variant with expected profit rates up to 15.25%, plus an AL Ghina Sukuk with expected profit rates up to 19%.
• Meeza Prepaid Cards Prepaid cards operating on Egypt's Meeza domestic payment network, allowing customers to load funds and make purchases without a traditional bank account.
• Cash Back Credit Cards Credit cards that return a percentage of spending as cash rewards across various merchant categories for retail cardholders.
• Debit Card Standard Visa-backed debit card linked to a customer's account, supporting ATM withdrawals and point-of-sale transactions domestically and internationally.
• ADIB–Etisalat Loyalty Co-branded Card First co-branded loyalty points card from ADIB and Etisalat Egypt, offering rewards and benefits tied to Etisalat telecom usage for retail customers.
• ADIB Business Credit Card Credit card for business customers providing spending controls, expense tracking, and tailored benefits for corporate and SME users.
• Auto Murabaha (New Vehicles) Sharia-compliant Murabaha financing for purchasing new vehicles, with program variants for employees, self-employed buyers, down-payment schemes, and fully cash-covered transactions.
• Used Auto Murabaha Sharia-compliant Murabaha financing for pre-owned vehicles, with programs for employees, self-employed buyers, down-payment financing, and fully cash-covered transactions.
• El Yosr Personal Financing A comprehensive personal financing program with variants for property owners, employees, self-employed borrowers, university professors, fully cash-covered applicants, and specialized schemes for doctors and pharmacists.
• Tamleek Islamic Mortgage Financing Sharia-compliant home financing offering real-estate ownership financing under Islamic finance principles via the Tamleek program.
• Wasel Remittance Service International money transfer and remittance service enabling customers to send funds abroad through ADIB Egypt's channels.
• El Naharda Sharia-Compliant Money Market Fund A Sharia-compliant money market fund with daily cumulative returns, providing short-term Islamic investment options for personal banking customers.
• Sanabel Equity Fund Sharia-compliant equity fund providing exposure to the Egyptian stock market for investors seeking Islamic investment vehicles.
• Custody Services on the Egyptian Stock Exchange Custodian services for clients trading on the Egyptian Stock Exchange, positioning ADIB Egypt as the largest Islamic bank offering custody in the Egyptian market.
• SME Financing Programs (Income Proof, I-Score, Income Validation) Sharia-compliant SME financing programs tailored for small and medium enterprises, including Income Proof, I-Score, and Income Validation Programs for working capital and growth financing.
• ADI Finance Islamic Financial Services Subsidiary offering Sharia-compliant financing solutions including financial leasing and mortgage financing, delivered via the ADI Finance Egypt platform.
• ADIB Capital Investment Services Investment subsidiary providing investment banking and capital markets services to corporate and institutional clients under the ADIB Capital brand.
• ADI Consumer Finance (Abu Dhabi Islamic Consumer Finance) Subsidiary providing Islamic-compliant personal and retail consumer financing solutions through Abu Dhabi Islamic Consumer Finance.
• Arzak (ADI Microfinance) Micro-enterprise Lending Microfinance subsidiary providing Sharia-compliant small and micro-enterprise financing to underserved borrowers and very small businesses in Egypt.
• ADI Taskeek Sukuk and Securities Services Subsidiary providing Sukuk and securities brokerage services to clients trading on the Egyptian Stock Exchange, focused on Islamic capital markets instruments.
• Masarify 3altayer Digital Wallet Digital wallet product allowing customers to make electronic payments, transfers to other wallets, and manage finances from a mobile device without visiting a branch.
• OTP Token Authentication Service One-Time Password authentication service providing an additional layer of security for high-risk online activities such as beneficiary additions, profile updates, and transfers.
• ADIB Simple Banking Account A simplified Sharia-compliant banking account designed for customers seeking basic banking services with minimal documentation and easy access.
• Corporate Banking Services Corporate banking products and services for large Egyptian corporates including corporate finance, trade finance, treasury, and Sharia-compliant investment solutions.
• Global Transaction Banking and Financial Institutions Coverage Global transaction banking services for corporate and financial institution clients, including correspondent banking, trade finance, and cross-border transaction support aligned with Islamic finance.
• Treasury, Foreign Exchange and Sovereign Sukuk Investments Treasury and global markets products including foreign exchange (USD, EUR, SAR, AED), sovereign Sukuk investment offerings, and related treasury services for corporate and individual clients.
• Tiered Monthly Saving Account A tiered monthly savings account offering customers progressively higher expected profit rates as their balances increase within defined monthly tiers.
• Current Account Standard Sharia-compliant current account for personal banking customers to manage day-to-day transactional banking needs.
• ADIB@Work Salary Account Program A corporate salary-domiciliation account and benefits program offered in partnership with employers, providing packaged banking services to salaried employees.
• Business Banking for SMEs A Sharia-compliant business banking proposition for SMEs, providing dedicated business accounts, financing programs, and transactional services through the Business Banking division.
• Small Business Financing (El Yosr SME Programs) Small business financing solutions for SME clients, including Small Business Finance products delivered through the El Yosr product family.
• Financial Institutions Coverage Banking services for financial institution clients including correspondent banking, trade finance, and Sharia-compliant banking partnerships tailored to banks and non-bank financial institutions.
• Sovereign Sukuk Investments Investment products offering customers access to sovereign Sukuk instruments, allowing participation in government-issued Islamic fixed-income securities.
• Property Owners Finance (Personal Property Financing) A Sharia-compliant personal financing variant for property owners, offered as part of the El Yosr personal financing suite.
• Charitable Accounts Sharia-compliant charitable deposit accounts allowing customers to channel funds toward charitable purposes consistent with Islamic finance principles.
• Cards Offers and Cardholder Rewards Programs A bundled offering of merchant discounts, cashback, and rewards programs available to ADIB Egypt cardholders across retail categories.
• Card Activation Service An online service allowing ADIB Egypt cardholders to activate newly issued debit, prepaid, and credit cards through digital channels.
• E-Collection Service An electronic collection service that allows businesses to receive digital payments through the ADIB Click platform, supporting bill payments and receivables collection workflows.
• Corporate Finance Services Corporate finance offerings including structuring, advisory, and Sharia-compliant funding solutions for large corporate clients, delivered through the Corporate Finance team.

Quantifiable outcome

• 93% year-over-year increase in net profit in 2024, reaching approximately EGP 9 billion
• +4 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability1 record

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• BiddexcoreChannel Partner/ Reseller/ Distributor · 10 December 2025Biddex, an Egypt-based used-car marketplace, announced a collaboration with Abu Dhabi Islamic Bank Egypt to offer auto financing options to its customers. The new service includes tailored installment plans based on factors such as job status and vehicle condition, leveraging ADIB's Islamic financing capabilities through the used-car marketplace channel.
• National Bank of Egypt (NBE)coreStrategic or Co-development Partner · 1 November 2025The National Bank of Egypt (NBE) and ADI Finance, a subsidiary of Abu Dhabi Islamic Bank – Egypt, signed a financing agreement to support Islamic finance activities such as financial leasing and mortgage financing. The partnership aims to broaden financing instruments in Egypt, support economic development, and diversify funding sources for various sectors.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• National Bank of Egypt (NBE): Largest state-owned commercial bank in Egypt with rapidly expanding Islamic banking window. Recently partnered with ADIB Egypt's ADI Finance subsidiary for Islamic finance co-financing, signaling direct competition in the Islamic segment alongside its conventional dominance.
• Banque Misr: One of Egypt's largest state-owned commercial banks offering both conventional and Islamic banking products. Represents a broader incumbent that competes across ADIB Egypt's segments while also serving as a benchmark for Egyptian banking sector scale.
• Commercial International Bank (CIB) Egypt: Largest private-sector bank in Egypt with strong retail and corporate franchises. CIB has been expanding its digital and Islamic offerings, making it a broader incumbent that increasingly overlaps with ADIB Egypt's product set and customer segments.

Direct peers

• Al Baraka Bank Egypt: Egypt-based Islamic bank part of Al Baraka Banking Group (Bahrain), offering similar Sharia-compliant retail, corporate, and investment banking services. Competes directly with ADIB Egypt for Islamic banking market share and customer wallet in Egypt.
• Faisal Islamic Bank of Egypt: One of Egypt's largest dedicated Islamic banks, offering a comparable Sharia-compliant retail, SME, and corporate banking product set. Direct head-to-head competitor in the Egyptian Islamic banking market with overlapping customer segments and similar Murabaha/Ijara/mudaraba offerings.

Regional players

• Qatar Islamic Bank: Leading Islamic bank in Qatar with a similar Sharia-compliant universal banking model. Operates across MENA but does not directly compete in Egypt; serves as a regional benchmark for Islamic bank profitability, valuation, and product breadth.
• Emirates NBD: Major UAE-based banking group, comparable to ADIB Group as a fellow Emirates-headquartered bank with growing regional presence. While primarily conventional, offers Islamic banking subsidiary and serves as a benchmark for UAE parent-bank-led regional expansion strategies.
• Mashreq Bank: Leading UAE-headquartered bank with significant Egyptian operations. Comparable in product breadth across retail, SME, and corporate, and serves as a benchmark for foreign-bank-led Egyptian banking strategies, including digital and Islamic product offerings.
• Kuwait Finance House: One of the largest Islamic banks globally with significant MENA footprint. Comparable in product mix (Murabaha, Ijara, Mudaraba, investment funds) and operates in Egypt-adjacent markets; useful as a peer for Islamic bank valuation and franchise quality assessment.

Others

• Abu Dhabi Islamic Bank (ADIB UAE - Parent): Parent company of ADIB Egypt, providing capital, governance, and strategic direction. Not a direct competitor but the controlling shareholder and a useful peer for assessing group-level Islamic banking economics, profitability, and capital allocation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/ADIBTweets
• YouTubeyoutube.com/channel/UCBnqFuoJvILZT5F9Sb09t1w
• Facebookfacebook.com/ADIBEgypt
• LinkedInlinkedin.com/company/abu-dhabi-islamic-bank---egypt
• Instagraminstagram.com/adibegypt/?hl=en

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Abu Dhabi Islamic Bank Egypt