Responsible Banking

Responsible Banking

ADCB supports the Abu Dhabi Economic Vision 2030 through well-defined responsible banking practices and policies. We adhere to disciplined and ethical lending criteria that protect the economic interests of shareholders and customers. We invest in internal controls to safeguard our clients' privacy. We promote financial literacy through initiatives that help UAE citizens achieve sustainable economic success. And our responsible procurement practices create business opportunities for local suppliers and vendors who share our commitment to communities and the environment.

Lending & Selling

For ADCB, responsible financing means doing business with customers who are able to manage their debt comfortably, and engaging with ethically acceptable customers and projects. It also means providing timely information to customers about their relationship with the Bank and the transactions they complete. We have put in place appropriate compliance mechanisms, screening policies and risk procedures to protect our short-term financial success and the long-term interests of all our stakeholders. 

As part of this approach, ADCB 

  • considers environmental and governance risks in our lending criteria and credit decisions 
  • uses Etihad Credit Bureau data to support our lending decisions for retail and SME customers 
  • prevents SMEs from over-banking by applying prudent Debt Burden Ratios based on cash flow coverage ratio

Financial Literacy & Financial Inclusion

"Child savings accounts developed by the ADCB Islamic Banking group encourage good saving habits."

Financial literacy and access to financial services contribute to a sustainable UAE economy. ADCB provides financial literacy, technical skills and English-language training to UAE Nationals through internal training programs and sponsors external organisations devoted to addressing these issues. Our branch network also reaches far beyond urban areas to serve desert communities.

ADCB has several products which support and proactively encourage our customers to adopt a more responsible savings culture, such as the Islamic Banking Child Savers Account, the Emirati Millionaire Savings Account, the Millionaire Destiny Savings Account, and the Student Savers Account.

In 2016, the Bank deepened its partnership with the Emirates Foundation to promote financial literacy in the UAE. For more information about our work with the Emirates Foundation to promote financial literacy in the UAE, we invite readers to visit our Financial Literacy section.

Client Privacy & Theft Prevention


of detected attempts to breach customer privacy were prevented*

ADCB respects and protects the privacy of our customers. We adhere to strict internal policies aimed at safeguarding the privacy and confidentiality of all personal, business and financial information. As part of operational risk monitoring, we record all instances of customer breach that lead to a loss, customer complaint or malicious use of data.

Delivering a Strong Compliance Culture

Our Conduct Compliance culture continues to strengthen as the organization grows. Ethics & Integrity received due focus with conflict of interest management, anti-bribery & corruption awareness elevated in 2016, and our whistle-blowing trend remains stable. Responsible Finance remains at the center of our sustainability program.



of our suppliers are screened for environmental and social criteria*

ADCB's procurement practices aim to conserve resources, improve the quality of products and services, optimise costs, and promote environmental and social considerations through our bids-management process. Through Ariba, our new bids management process, we have been requiring our vendors to answer questions about their commitment to sustainability practices. In 2015, registration became mandatory for new vendors and in 2016 we undertook an exercise to require pre-existing vendors to comply. As a result of our commitment to promoting sustainability through our supply chain, we deactivated several vendors from our portfolio for non-observance.

Our procurement practices continue to prioritise local suppliers in an effort to reduce carbon footprint and promote the local economic development.

Facts & Figures:

  • 98.8% of the Bank's total procurement spend was directed to local suppliers and businesses*

Paperless Procurement Drives Sustainability

ADCB's Procurement department has adopted an entirely paperless procure-to-pay system. The Ariba Network is helping us procure more environmentally friendly materials and is encouraging our supply chain partners to improve their own environmental footprints.

* as at 31 Dec 2016