WELCOME Abu Dhabi Islamic Bank (ADIB, ‘the Bank’ or ‘the Group’) is proud to present its 2022 Environment, Social, and Governance (ESG) Report. The report provides a transparent overview of both achievements and challenges across our material topics. The report has been prepared in accordance with the very highest standards of disclosure and responsible business principles, namely the Global Reporting Initiative (see our GRI Content Index – Essentials on page 65), the United Nations’ (UN) Sustainable Development Goals (SDGs) Unless otherwise stated, all information is for the 2022 calendar year (ending 31 December). Financial performance and economic impact data cover the entirety of the ADIB Group, while material ESG topics are limited to operations in the United Arab Emirates (UAE). Non-financial data has been internally assured by relevant departments. Financial statements have been independently audited by Deloitte. All monetary values in this report are expressed in Arab Emirates Dirhams (AED), unless otherwise stated. Find out more about our reporting approach on page 15. You can access our previous reports on our Sustainability page at