ADIB's Vision 2035 strategy focuses on leveraging technology and innovation to drive growth and profitability improvements. The bank accelerated its digital agenda in 2025, launching fully digital customer journeys that significantly reduced turnaround times, with growing adoption through digital channels. ADIB has a strong regional presence with strategic operations in Egypt (75 branches), the United Kingdom, Qatar, and Iraq.
Cyborg Score Rationale
ADIB added 283,000 new customers in 2025 with strong funding profile (64.5% CASA deposits). Net funded income grew 21.6% YoY in Q4 2025 driven by strong Islamic and institutional financing growth. The bank achieved exceptional financial performance and demonstrated disciplined strategy execution with progress in digital transformation and sustainability.
Top Insights
ADIB expanded customer base to 2 million by mid-2025, with 75% of new acquisitions through digital channels
ADIB became the first Islamic bank to implement Open Finance under the CBUAE's AlTareq initiative as part of Vision 2035
Strong funding stability with CASA deposits at 64.5% of total deposits reflecting low-cost, stable deposit base
Diversified service ecosystem through ADIB Group offering brokerage, real estate, payments and insurance with 60+ branch distribution network
Named Competitors
Dubai Islamic Bank — Leading Islamic bank in UAE
Abu Dhabi Commercial Bank — Conventional banking in UAE
First Abu Dhabi Bank — Major UAE banking institution
Sharjah Islamic Bank — Regional Islamic banking player
Recent Developments
(February 2026) Named Best Islamic Bank in Middle East by EMEA Finance for exceptional 2025 performance
(January 2026) Launched Open Finance initiative as first Islamic bank implementing CBUAE's AlTareq program
(Q4 2025) Net funded income grew 21.6% YoY; added 283,000 new customers during 2025
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