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
  • provides world-class cash management services to help customers optimize their borrowing cycles
  • offers complex products, such as derivatives, only to customers who qualify under strict product suitability criteria

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 our information security 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 continue to receive due focus with conflict of interest management, anti-bribery & corruption awareness education, and our whistle-blowing trend remains stable. Responsible Finance remains at the center of our sustainability program.


As a leading bank in the UAE, ADCB handles large quantities of sensitive information from our customers. Data security and privacy remain an integral part of our business and top priority for the Bank in delivering our mission and core values to our customers. Our approach includes adopting robust security policies and procedures, utilizing state of art security technologies and qualified security professionals to detect and prevent threats to customer information.

Our information security risk management practices align with international best practice standards to assess risks to customer information, and design continuous improvement controls to protect any identified gaps and reduce risk to acceptable thresholds. Moreover, we constantly monitor for emerging risks and enhance our controls to ensure that customer information is adequately protected. ADCB has developed a robust third-party risk management framework to ensure that all customer information is protected against any third-party risks. Our security program is accredited to international best practice standards - ISO/IEC 27001 and PCI DSS (Payment Card Industry Data Security Standard v 3.2).

Regular audits are conducted by internal and external parties, who evaluate the adequacy of the security controls. The environment is regularly tested by independent third-party vendors to identify any security gaps and identify areas, where the security posture can be enhanced. Continuous awareness on how to protect customer information is imparted to all employees through mandatory e-learnings, our staff induction onboarding program, classroom trainings for specific departments, email communications and other awareness-raising campaigns.

The Senior Management of all business groups are fully committed to implementing security controls and ensuring the protection of customer information. This is reinforced by regular reporting to the executive Risk Management Committee. The Board of Directors also receive regular updates on security performance.

ADCB partners with global service providers and local bodies such as the UAE Banking Federation and AeCert, to exchange threat intelligence and build proactive defense. We also collaborate with the UAE Banking Federation to contribute to the overall enhancement of the information security posture of the UAE financial system. As a final line of defense, we have secured adequate coverage from international insurance providers to protect our customer information within ADCB and third-party partners.



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:

  • 97.7% 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 and contracts are managed through the 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.

Product Safety

ADCB takes a responsible approach to ensure financial product safety. Our internal procedures document our approach and takes into account aspects such as:

  • Design, development and management of launching a product
  • Roles & responsibilities
  • Internal & external stakeholders, including any formal consents required
  • Suitability
  • Marketing communications plans
  • Training of staff / documentation checklists

We have dedicated Product Manager roles within the various lines of business who are responsible and accountable for the management of new products, product variations and features including product suitability and safety.

As well, our Compliance and Group Risk Management are consulted with respect to suitability, product features, fraud, information security and operational risk aspects.

Our MoneySense programme aims to educate the community, including staff and customers, on best practices to manage their money better, in an effort to mitigate potential risks from lifestyle, consumerism and over-leveraging practices. For more information about our programme, we invite readers to visit our Financial Literacy section

* as at 31 Dec 2017