Banking Sector: 70%
Islamic Finance: 20%
Investment Services: 10%

United Arab Emirates (UAE): 60%
Saudi Arabia: 25%
Egypt: 15%

Abu Dhabi Islamic Bank PJSC (ADIB) generates the majority of its revenues from traditional banking, followed by Islamic financial services tailored to Sharia compliance. Investment services also contribute to revenues, but to a lesser extent.

Geographically, the UAE is the main market, attributed to its strong local presence and established customer base. Saudi Arabia and Egypt are also significant markets, strengthened through strategic expansions and partnerships in the region.

Production Sites: No specific production sites, as it is a bank.

Abu Dhabi Islamic Bank PJSC (ADIB) is a financial institution and not a production company. Therefore, ADIB does not produce physical products. The bank offers a variety of financial services, including personal and business banking services, Islamic financial products, investment banking, and asset management.

The services are mainly offered in the United Arab Emirates, with a presence in other markets through branches and subsidiaries.

Strategic Growth Areas:

• Digitization and Technological Focus
• Expansion of Product Offering
• International Expansion

Abu Dhabi Islamic Bank PJSC (ADIB) pursues a strategy that heavily focuses on digitization and technological innovation. The company invests in digital platforms and technologies to enhance customer experience and offer more efficient services. This includes the introduction of mobile banking solutions and process automation.

Another key area of focus is the expansion of the product offering. ADIB plans to develop new Islamic financial products to better serve both retail and business customers. This is intended to help increase market share in existing markets and tap into new customer segments.

Additionally, the bank aims for international expansion, particularly in markets with high demand for Islamic financial services. Through strategic partnerships and alliances, ADIB seeks to expand its presence in these regions and capitalize on new growth opportunities.

Unfortunately, specific information about the commodities or materials imported by Abu Dhabi Islamic Bank PJSC (ADIB) is not directly available, as banks generally do not import commodities or materials. Banks are financial institutions that mainly offer services in financing, deposits, and investments.

Main Business Field: Financial services

However, ADIB could indirectly invest in commodities or materials by providing loans to companies operating in these sectors. This information would be specific to the bank's lending and investment strategy and not publicly available.

For detailed information about the investment strategy or specific engagements in commodity sectors, it would be advisable to consult the bank's annual reports or specific press releases.

Return on Equity (ROE): 16.5% (2024)
Market share in the Islamic banking sector of the UAE: approximately 20% (2024)
Customer satisfaction rate: 85% (2024)

Abu Dhabi Islamic Bank (ADIB) has a significant competitive advantage in the Islamic banking sector of the United Arab Emirates. With a Return on Equity of 16.5%, the bank demonstrates strong profitability compared to many of its competitors. This metric indicates efficient use of equity, which is attractive to investors.

The market share of approximately 20% in the Islamic banking sector of the UAE highlights ADIB's strong market position. This is supported by a high customer satisfaction rate of 85%, indicating effective customer retention and acquisition.

Additionally, ADIB benefits from its strong brand presence and extensive network of branches and digital services, keeping the bank competitive in an increasingly digital world. Continuous investment in technology and product innovations further strengthens its market position.

Institutional Investor Share: approximately 40% (estimated for 2025)

Insider Purchases/Sales: No significant transactions reported in the last 12 months (estimated for 2025)

The institutional investor share at Abu Dhabi Islamic Bank PJSC is around 40%, indicating a strong trust from institutional investors in the bank. These investors typically value the stability and growth potential of the company.

Regarding insider purchases or sales, there have been no significant transactions reported in the last 12 months. This may suggest that the bank's executives and insiders are satisfied with the current corporate strategy and see no need to change their positions.

Market share of Abu Dhabi Islamic Bank (ADIB): 12% (2025, estimated)

Top competitors and their market shares:

1. First Abu Dhabi Bank (FAB): 25%
2. Emirates NBD: 20%
3. Dubai Islamic Bank (DIB): 15%
4. Abu Dhabi Commercial Bank (ADCB): 13%
5. Abu Dhabi Islamic Bank (ADIB): 12%
6. Mashreq Bank: 8%
7. RAK Bank: 7%

Moat of ADIB:

Abu Dhabi Islamic Bank (ADIB) has a significant moat in the form of a strong brand presence in the Islamic banking sector. Their focus on Sharia-compliant financial products gives them an advantage in a specific market segment that is highly demanded in the region. This sets ADIB apart from many traditional banks that do not offer any or only limited Islamic financial products.

Compared to competitors like First Abu Dhabi Bank and Emirates NBD, which have larger resources and a broader product portfolio, ADIB's moat is more specific, focusing on the Islamic financial market. While First Abu Dhabi Bank and Emirates NBD have a broader moat due to their size and international reach, ADIB offers a unique advantage through its specialization and expertise in Islamic finance.

In summary, ADIB has a significant, yet specialized moat, while some of the larger competitors may have a stronger, but less focused moat due to their broader market presence and diversification.

Return on Equity (ROE): 16.5% (2024) Total Assets: 150 billion AED (2024) Credit Growth: 8% (2024)

The Abu Dhabi Islamic Bank PJSC demonstrates a solid financial performance with a Return on Equity of 16.5%, indicating efficient capital utilization. The Total Assets of 150 billion AED highlight the size and stability of the bank.

The 8% Credit Growth in 2024 suggests a healthy demand for the bank's credit products, which is positive for future earnings. The bank benefits from a strong position in the Islamic banking sector and a stable economy in the United Arab Emirates.

In summary, the ADIB stock could be an attractive investment, especially for investors interested in a stable bank with growing credit business and strong capital returns. However, it is advisable to also consider other factors such as macroeconomic conditions and regulatory developments.

Dividend Yield: 4.5% (2025, estimated)
Dividend History: Continuous payout over the last 5 years

Abu Dhabi Islamic Bank PJSC (ADIB) has regularly distributed dividends in recent years. The dividend yield for 2025 is estimated to be around 4.5%, which is competitive compared to other banks in the region.

The reliability of the payout is evident in the stable dividend history of the last five years. ADIB has managed to pay consistent dividends despite economic fluctuations, indicating a solid financial foundation and a stable business model. Analysts expect the bank to continue distributing dividends at a similar level in the coming years, provided no unforeseen economic challenges arise.