ADIB has three different tiers with different product offering for each tier.The products offered include finance both short and medium term, liquidity management, Trade finance services, treasury and leasing (through an independent operating subsidiary named ADI Lease).
Our national footprint is growing as we now serve our SME clients in all braches with an intention of providing SME Hubs in more branches. Our relationship managers are all credit certified and specialized in the area of SME’s to help you to identify areas for your growth and efficiency while suggesting practical, cost- effective ways to make the most of the opportunities that arise.
Our underlying products and services:
Murabaha is a sale and repurchase contract where you sell the asset on a spot delivery basis and agree to repurchase on a deferred payment basis with a pre-agreed profit. The purpose of this financing is to fund the purchase of raw materials, spare parts, finished goods, machinery/ equipment and other trading stocks.
Ijarah is a contract giving a legal title to legitimate and identified usufruct for a defined period of time in exchange for a legitimate and determined consideration. Ijarah Muntahia bittamleek, Ijarah MBT, is an ordinary Ijarah that is associated with a promise, by ADIB, to transfer ownership at the end of the Ijarah term to the lessee/client.
Mudaraba is a partnership between the bank and an enterprise/ company for a pre-agreed period of time. The bank acting as Rab ul Maal provides capital to the customer, Mudarab, to help the customer meet its short-term working and/or long-term capital spending requirements