Abu Dhabi Islamic Bank
Student’s Name
Institutional Affiliation
Contents
Mission, Vision, and Values. 4
ADIB Organizational Structure and Management 6
Abu Dhabi Islamic Bank (ADIB) was established by the decree of his highness Shaikh Khalifa Bin Zayed Al Nahyan, prin c of Abu Dhabi and Deputy Supreme Commander of th armed forces in 1997. The Bank started as the world’s largest Islamic Bank with a paid-up capital of DH 1 billion. Abu Dhabi government intended to retain a 10% stake in the institution, the Bank’s founding committee 24%, and five percent by the private department’s president, His Highness Shaikh Zayed Bin Sultan Al Nahyan. The institution intended to raise the remaining 61% through public subscription. The institution has its headquarters in the United Arab Emirates. Still, ADIB remains the most prominent Islamic Bank globally, with over AED 125 billion worth of assets. It provides Sharia-compliant retail, corporate, business, and personal banking and wealth management solutions. ADIB has distributed its market across six markets: Egypt, Saudi Arabia, the United Kingdom, Saudi Arabia, Sudan, and Iraq.
ADIB’s mission is to provide sustainable and customer-focused financial solutions by integrating responsible social environment and governance commitments into our operations, aiming to create value for our stakeholders. The institutions operate under multiple values; keeping it simple and sensible, transparency, mutual benefit, sharia-inspired services, and nurturing hospitality and tolerance.
ADIB offers a wide range of products for specific markets that seek to meet each segment’s unique needs. For example, women comprise a significant market share for the banking sector, and the organization has tailor-made products such as the Dana service to serve their banking needs. In addition, it offers travel and lifestyle privileges and exclusive shopping discounts. It also offers access to female-only branches where women receive professional services from lady-staff members to empower women through knowledge and tools to manage and grow their finances.
The youth is also a key market segment for the ADIB, and the Bank is committed to equipping youth people with financial knowledge. It has various accounts targeting the specific market besides dedicating resources to teach them to be financially independent and financial management skills. For example, the ADIB student account provides its customers with an ISIC card to use locally and internationally. The Bank also offers students customized services and benefits such as Discounts throughout UAE and access to the IDIB app. Moreover, the Bank provides children’s savings services through the Bannon Children’s Savings account. The service seeks to empower the youth besides complying with Sharia law, allowing women to save their children from securing their financial future.
ADIB also offers facilitated payment services to its customers through its different services. Al Khair Debt Settlement seeks to empower customers financially by helping them manage their budget to reduce their debt burden. The service helps customers control their finances by shifting their focus from household activities to more productive projects. The Bank also offers its customers flexible payment plans during the holy month of Ramadhan. It postpones monthly installments for personal finance customers with no interest. Besides, they can also postpone one additional payment every year. The service seeks to help customers manage their finances during the month when individuals’ spending is the highest. The Bank has Gold Centers, an exclusive banking proposition that provides financial advice and other lifestyle benefits.’
Risk Management
In the information error, cybersecurity threats have become a significant risk to businesses. Cybersecurity crimes claim over USD 600 billion across the globe and are becoming an economic pandemic. ADIB cybersecurity team employs a cyber-security approach to mitigate cyber risks to remain on top of the system through updating and developing innovative programs to enhance its security. The Bank has invested in cutting-edge technology to secure customer information and continually develop and implement advanced banking security strategies to safeguard its client from fraud.
The board of directors is responsible for overseeing the implementation of the organization’s mission across all its functions by supervising the management of the group’s business activities. Its mandate is to ensure the organization delivers sustainable shareholder value within its controls.
Figure 1 Abu Dhabi Islamic Bank Corporate Structure
The ADIB corporate structure is under a company group providing financial services to Muslims across the Middle East region. The group offers both financial and non-financial services. The organization employs a functional organizational structure, and the leadership and management team constitutes a part of its structure.
Figure 2 Abu Dhabi Islamic Bank Management Structure
At the top of the management, hierarchy is the Group CEO, who heads the board of directors, and the Chief finance officer, who oversees the different functional departments. The board comprises seven directors; the chairman, vice-chairman, and five members. The management team includes seven managers in charge of different functional areas: the group financial controller, chief risk controller, global general Counsel, head of Human resources, UAE., THE CEO Egypt, Head of Private Banking Group, and the head of the Retail Banking Group. Each of the groups comprises various functional departments to support its business model. For example, the compliance department ensures that business operations align with Sharia law and other relevant regulatory frameworks. The marketing, communication, and branding department are responsible for designing marketing strategies and communicating the products to the target market besides projecting the intended brand image. The human resource department collaborates with other functional areas to attract, recruit, and retain top talents to serve in the organization. Similarly, the risk management function seeks to ensure the organization pursues calculated risk. It is responsible for developing risk effective risk management strategies to prevent and minimize their impact in the eventuality of identified threats.
ADIB has set specific goals for different functional areas that seek to support its mission and vision. The human resource department is a fundamental function in every organization, and so in ADIB. The organization is committed to creating a conducive work environment that enables people to exploit their full potential. Its primary goal in professional development and well-being is to create engaged and efficient teams. Moreover, ADIB’s goal is to recruit and maintain a diverse workforce. One of its primary goals is to create a work environment that reflects gender equality. In 2017, ADIB had 67% and 33% male and female full-time employees, respectively, which has improved over the years to 68% and 32% in 2018 and 209. It has implemented Various programs in pursuit of women empowerment and professional development.
ADIB also aims to attract, retain and develop local talent while ensuring transparency and accountability through its Emiratization strategy. Some of its goals that Emiratization strategy seeks to become an industry leader be a learning-oriented organization, and gain recognition for the best work environment for UAE nationals and ensure efficient succession planning with UAE nationals as a priority. Since 2017, the company’s workforce comprised mainly expatriates at 62%, which rose to 64% in 2018 and 2019. The company seeks to achieve the above goals by offering world-class training and development opportunities. Other approaches in pursuit of the Emiratization goal include collaboration with prestigious educational institutions to develop world-class training programs to build skills and capabilities of UAE nationals employees across its different business units.
The academy’s primary objective is to provide a defined career path for all employees through training and development. It offers professional training, basic to advanced levels, through in-house developed courses and external leadership training programs. Employees across all levels have to take specific mandatory training programs. For instance, senior managers and juniors must take an ADIB orientation course and a Fraud and Risk awareness course. In addition, all ADIB employees must pursue Financial Crime and Compliance Risk Awareness V2, Corporate Governance and EthicsV2, Introduction to Islamic Banking, and ADIB Cyber Security Essentials V3.
Moreover, the organization offers its employee the opportunity to pursue external courses to obtain international certification, for instance, in 2019. As a result, 12% of its labor obtain internationally recognized certification.
In addition to training and development, ADIB is committed to enhancing employee satisfaction and well-being by advocating for a healthy, safe, responsible, and engaging work environment. It employs various approaches to engage its workforce to engage their well-being. For example, the institution conducts an annual survey among all its employees and incorporates their feedback to influence initiatives that seek to improve their well-being. Additionally, the Bank carries monthly anonymous surveys engaging 10% of its labor forces to assess their satisfaction. ADIB’s commitment to remain a competitive and preferred employer of choice mandates a biannual review of job profiles, compensation, and benefits. As a result, the company has consistently maintained the industry’s best compensation and benefits packages. Some of its employee benefits include flexible working hours, employee financing, an annual Umrah program, medical and life insurance, and financial support for employees in need.
The organization pursues its occupational health and wellness goals by offering its employees education on health and wellness besides opportunities for a general check-up. ADIB also organizes football and cricket sports tournaments for employees across the organization besides dedicating a lady-only time at its gym facility to encourage women who may feel uncomfortable participating in sports in a mixed-gender environment.
Moreover, ADIB sustainability goal is to achieve zero net impact by 2040 through increasing environmental warmness among its stakeholders and promoting responsible behavior to mitigate the negative impacts of business activities on the environment. the organization undertakes various programs in pursuit of sustainability, namely environmental awareness training, Waste management, and energy efficiency, employee and customer engagement and the renewable energy solutions. In addition, the organization evaluates its sustainability through established environmental performance indicators on energy saving, waste, and green gas emission. Besides, the institution encourages digital transactions across all its services to promote paperless processes.
ASWOT is a compelling analysis tool in analyzing the internal and external organizational environment by determining its strengths, weaknesses, opportunities, and threats.
The Bank has led the banking sector in introducing innovative banking solutions for the UAE market. The institution was the first Bank to introduce a mobile banking app that allows customers to perform a wide range of banking transactions. Also, the institution has a positive reputation and outstanding customer service. ADIB was recognized as the most improved Bank in customer service in the UAE region in 2019 by ethos consultancy. Also, it received the Mohamed Bin Rashid business excellence award. Moreover, ADIB operates an extensive branch network in the UK and Egypt besides having over 65 branches in the UAE and has a strong financial position. Besides its deposit, the institution has maintained sustainable profits and is among the most financially liquid banks in the region. In 2019. Its net profit increased by 4%, and its total revenue grew to 5.9 billion. Its large geographical market distributes macro-economic risks, allowing profits from one region to offset losses from another; for instance, in 2018, the Bank suffered financial losses due to Sudan devaluation ( ). Market diversification is an instrumental risk management tool.
Weaknesses
The institution faces stiff competition from other financial institutions, which is affecting its profit margins. In addition, regulators’ decisions to make extensive provisions for loan losses affect its profits and share value.
The Bank can cease future expansion opportunities in the Middle East. Besides, it can venture into other countries with a significant Muslim population. Expanding its geographical market can diversify its revenue sources. Besides, it can take advantage of the UAE government spending drive to pursue further growth and expand its product portfolio. Besides, the Bank can leverage growth potential in profitable segments such as real estate. The UAE economy is resilient with high infrastructure and a conducive macroeconomic environment for the business to thrive.
The institution operates in a mature market. Thus, it must expand its market share for it to grow, which is expensive. Real estate is also competitive in the UAE, and ADIB faces intense competition from other market players, resulting in tight asset margins. A highly competitive margin is likely to affect its profitability in the real-estate business. In addition, the UAE economy is highly dependent on the oil industry. Thus unfavorable market conditions can influence the ADIB market due to reduced disposable income among its customers.
ADIB’s goal on customer’s financial literacy is to equip its stakeholders with knowledge and skills to make informed and structure financial decisions. The organization pursues the goal through its CSR function. It has implemented two main programs in pursuit of financial literacy; Money Smart community and Community engagement. Money smart is a digital community that connects people with various financial experiences to share their expertise. It provides members with up-to-date information on financial news and trends, banking rates, and emerging products in the banking sector besides engaging customers in co-creating an ideal bank while providing professional advice. In addition, the financial education program focuses on institutions of higher learning. The organization visits universities to provide financial literacy to students, such as budgeting and saving, besides providing them with the necessary resources to support their financial management.
ADIB also participates in awareness campaigns that seek to educate its customers and the community through real-life experiences. The Bank uses its social media platforms to interview people who share their financial choices, experiences, and consequences. For instance, the organization holds happy summer campaigns that seek to offer financial education for laborers by equipping them with sufficient knowledge n how to manage their finances and lead a prosperous life. The institution also launched Khutatti savings plan to encourage medium to long term. It is both a savings and an investment plan enabling customers to contribute fixed monthly installments to a plan with exposure to Sharia-compliant mutual funds and investments. Moreover, the product aligns with client needs, financial risk index, and it is easy to withdraw funds.
The organization has also taken it upon itself to educate the masses on cybersecurity. In 2019, it partnered with Dubai and Abu Dhabi policy to educate clients on emerging cybercrimes. Moreover, the institution uses its social media platforms to sensitize the masses and educate them on how to combat cybercrimes.
ADIB also gives back to the community through participating in blood donation campaigns. It organizes blood donation annually across all its various branches. A healthy community is a thriving society, and public health is of great interest to the organization. Besides, ADIB joins the global community in the breast cancer awareness month every year since 2015. For instance, in 2019, the campaign included general screening, fat analysis—breast self-assessment lecture from a gynecologist, and gifts such as 3D mammogram vouchers.
ADIB’s commendable growth and overall performance across its functional areas are attributable to sound and proactive management. However, implementing various changes can help the organization strengthen its weak performance areas and leverage its opportunities for its benefit. ADIB should expand its product portfolio to include more profitable products to increase its revenue streams and compensate for the small profit margins in banking necessitated by stiff competition. Moreover, other regions with a significant Muslim population can offer a market for the organization’s products. Geographical expansion can help ADIB spread its risk from macro-economic factors and cushion it against bad economic times in the region.
Moreover, its human resource goals are impressive. Its pursuit for gender equality in its workforce aligns with the global goal to empower women. However, the organization can design women-focused education empowerment programs to encourage girls from a young age to pursue banking and finance careers. For instance, the institution can partner with elementary schools to establish women’s banking clubs. Children are the future generation, and establishing a firm foundation at a young age will produce a sustainable female workforce for the banking sector in the future.
ADIB operates as a financial group that provides financial solutions to UAE citizens and the region. The Bank’s operations fall under profitable and non-profitable services. It has a functional management structure, where each department has set its own goals to pursue the company mission and vision based o sharia law and company values. ADIB’s primary goals seek to achieve environmental sustainability, Emiratization of its labor and gender equality among its employees, financial literate racy among community members, and customer satisfaction. Besides, its environmental analysis identifies various strengths, weaknesses, threats, and opportunities that the organization can influence to achieve a competitive edge. The organization has a strong financial position which it can utilize to expand into other markets outside the Middle East besides growing its product portfolio to increase its revenue streams and compensate for the small margins in the banking sector. Its commitment to achieve gender equality in its labor force requires a sustainable strategy that encourages girls to take an interest in banking and finance early. ADIB human resource strategies provide conducive growth and development opportunities, and its values align to min in different ways. Thus, research has augmented the desire to work with the organization.
Abu Dhabi Islamic Bank
Student’s Name
Institutional Affiliation
Contents
Mission, Vision, and Values. 4
ADIB Organizational Structure and Management 6
Abu Dhabi Islamic Bank (ADIB) was established by the decree of his highness Shaikh Khalifa Bin Zayed Al Nahyan, prin c of Abu Dhabi and Deputy Supreme Commander of th armed forces in 1997. The Bank started as the world’s largest Islamic Bank with a paid-up capital of DH 1 billion. Abu Dhabi government intended to retain a 10% stake in the institution, the Bank’s founding committee 24%, and five percent by the private department’s president, His Highness Shaikh Zayed Bin Sultan Al Nahyan. The institution intended to raise the remaining 61% through public subscription. The institution has its headquarters in the United Arab Emirates. Still, ADIB remains the most prominent Islamic Bank globally, with over AED 125 billion worth of assets. It provides Sharia-compliant retail, corporate, business, and personal banking and wealth management solutions. ADIB has distributed its market across six markets: Egypt, Saudi Arabia, the United Kingdom, Saudi Arabia, Sudan, and Iraq.
ADIB’s mission is to provide sustainable and customer-focused financial solutions by integrating responsible social environment and governance commitments into our operations, aiming to create value for our stakeholders. The institutions operate under multiple values; keeping it simple and sensible, transparency, mutual benefit, sharia-inspired services, and nurturing hospitality and tolerance.
ADIB offers a wide range of products for specific markets that seek to meet each segment’s unique needs. For example, women comprise a significant market share for the banking sector, and the organization has tailor-made products such as the Dana service to serve their banking needs. In addition, it offers travel and lifestyle privileges and exclusive shopping discounts. It also offers access to female-only branches where women receive professional services from lady-staff members to empower women through knowledge and tools to manage and grow their finances.
The youth is also a key market segment for the ADIB, and the Bank is committed to equipping youth people with financial knowledge. It has various accounts targeting the specific market besides dedicating resources to teach them to be financially independent and financial management skills. For example, the ADIB student account provides its customers with an ISIC card to use locally and internationally. The Bank also offers students customized services and benefits such as Discounts throughout UAE and access to the IDIB app. Moreover, the Bank provides children’s savings services through the Bannon Children’s Savings account. The service seeks to empower the youth besides complying with Sharia law, allowing women to save their children from securing their financial future.
ADIB also offers facilitated payment services to its customers through its different services. Al Khair Debt Settlement seeks to empower customers financially by helping them manage their budget to reduce their debt burden. The service helps customers control their finances by shifting their focus from household activities to more productive projects. The Bank also offers its customers flexible payment plans during the holy month of Ramadhan. It postpones monthly installments for personal finance customers with no interest. Besides, they can also postpone one additional payment every year. The service seeks to help customers manage their finances during the month when individuals’ spending is the highest. The Bank has Gold Centers, an exclusive banking proposition that provides financial advice and other lifestyle benefits.’
Risk Management
In the information error, cybersecurity threats have become a significant risk to businesses. Cybersecurity crimes claim over USD 600 billion across the globe and are becoming an economic pandemic. ADIB cybersecurity team employs a cyber-security approach to mitigate cyber risks to remain on top of the system through updating and developing innovative programs to enhance its security. The Bank has invested in cutting-edge technology to secure customer information and continually develop and implement advanced banking security strategies to safeguard its client from fraud.
The board of directors is responsible for overseeing the implementation of the organization’s mission across all its functions by supervising the management of the group’s business activities. Its mandate is to ensure the organization delivers sustainable shareholder value within its controls.
Figure 1 Abu Dhabi Islamic Bank Corporate Structure
The ADIB corporate structure is under a company group providing financial services to Muslims across the Middle East region. The group offers both financial and non-financial services. The organization employs a functional organizational structure, and the leadership and management team constitutes a part of its structure.
Figure 2 Abu Dhabi Islamic Bank Management Structure
At the top of the management, hierarchy is the Group CEO, who heads the board of directors, and the Chief finance officer, who oversees the different functional departments. The board comprises seven directors; the chairman, vice-chairman, and five members. The management team includes seven managers in charge of different functional areas: the group financial controller, chief risk controller, global general Counsel, head of Human resources, UAE., THE CEO Egypt, Head of Private Banking Group, and the head of the Retail Banking Group. Each of the groups comprises various functional departments to support its business model. For example, the compliance department ensures that business operations align with Sharia law and other relevant regulatory frameworks. The marketing, communication, and branding department are responsible for designing marketing strategies and communicating the products to the target market besides projecting the intended brand image. The human resource department collaborates with other functional areas to attract, recruit, and retain top talents to serve in the organization. Similarly, the risk management function seeks to ensure the organization pursues calculated risk. It is responsible for developing risk effective risk management strategies to prevent and minimize their impact in the eventuality of identified threats.
ADIB has set specific goals for different functional areas that seek to support its mission and vision. The human resource department is a fundamental function in every organization, and so in ADIB. The organization is committed to creating a conducive work environment that enables people to exploit their full potential. Its primary goal in professional development and well-being is to create engaged and efficient teams. Moreover, ADIB’s goal is to recruit and maintain a diverse workforce. One of its primary goals is to create a work environment that reflects gender equality. In 2017, ADIB had 67% and 33% male and female full-time employees, respectively, which has improved over the years to 68% and 32% in 2018 and 209. It has implemented Various programs in pursuit of women empowerment and professional development.
ADIB also aims to attract, retain and develop local talent while ensuring transparency and accountability through its Emiratization strategy. Some of its goals that Emiratization strategy seeks to become an industry leader be a learning-oriented organization, and gain recognition for the best work environment for UAE nationals and ensure efficient succession planning with UAE nationals as a priority. Since 2017, the company’s workforce comprised mainly expatriates at 62%, which rose to 64% in 2018 and 2019. The company seeks to achieve the above goals by offering world-class training and development opportunities. Other approaches in pursuit of the Emiratization goal include collaboration with prestigious educational institutions to develop world-class training programs to build skills and capabilities of UAE nationals employees across its different business units.
The academy’s primary objective is to provide a defined career path for all employees through training and development. It offers professional training, basic to advanced levels, through in-house developed courses and external leadership training programs. Employees across all levels have to take specific mandatory training programs. For instance, senior managers and juniors must take an ADIB orientation course and a Fraud and Risk awareness course. In addition, all ADIB employees must pursue Financial Crime and Compliance Risk Awareness V2, Corporate Governance and EthicsV2, Introduction to Islamic Banking, and ADIB Cyber Security Essentials V3.
Moreover, the organization offers its employee the opportunity to pursue external courses to obtain international certification, for instance, in 2019. As a result, 12% of its labor obtain internationally recognized certification.
In addition to training and development, ADIB is committed to enhancing employee satisfaction and well-being by advocating for a healthy, safe, responsible, and engaging work environment. It employs various approaches to engage its workforce to engage their well-being. For example, the institution conducts an annual survey among all its employees and incorporates their feedback to influence initiatives that seek to improve their well-being. Additionally, the Bank carries monthly anonymous surveys engaging 10% of its labor forces to assess their satisfaction. ADIB’s commitment to remain a competitive and preferred employer of choice mandates a biannual review of job profiles, compensation, and benefits. As a result, the company has consistently maintained the industry’s best compensation and benefits packages. Some of its employee benefits include flexible working hours, employee financing, an annual Umrah program, medical and life insurance, and financial support for employees in need.
The organization pursues its occupational health and wellness goals by offering its employees education on health and wellness besides opportunities for a general check-up. ADIB also organizes football and cricket sports tournaments for employees across the organization besides dedicating a lady-only time at its gym facility to encourage women who may feel uncomfortable participating in sports in a mixed-gender environment.
Moreover, ADIB sustainability goal is to achieve zero net impact by 2040 through increasing environmental warmness among its stakeholders and promoting responsible behavior to mitigate the negative impacts of business activities on the environment. the organization undertakes various programs in pursuit of sustainability, namely environmental awareness training, Waste management, and energy efficiency, employee and customer engagement and the renewable energy solutions. In addition, the organization evaluates its sustainability through established environmental performance indicators on energy saving, waste, and green gas emission. Besides, the institution encourages digital transactions across all its services to promote paperless processes.
ASWOT is a compelling analysis tool in analyzing the internal and external organizational environment by determining its strengths, weaknesses, opportunities, and threats.
The Bank has led the banking sector in introducing innovative banking solutions for the UAE market. The institution was the first Bank to introduce a mobile banking app that allows customers to perform a wide range of banking transactions. Also, the institution has a positive reputation and outstanding customer service. ADIB was recognized as the most improved Bank in customer service in the UAE region in 2019 by ethos consultancy. Also, it received the Mohamed Bin Rashid business excellence award. Moreover, ADIB operates an extensive branch network in the UK and Egypt besides having over 65 branches in the UAE and has a strong financial position. Besides its deposit, the institution has maintained sustainable profits and is among the most financially liquid banks in the region. In 2019. Its net profit increased by 4%, and its total revenue grew to 5.9 billion. Its large geographical market distributes macro-economic risks, allowing profits from one region to offset losses from another; for instance, in 2018, the Bank suffered financial losses due to Sudan devaluation ( ). Market diversification is an instrumental risk management tool.
Weaknesses
The institution faces stiff competition from other financial institutions, which is affecting its profit margins. In addition, regulators’ decisions to make extensive provisions for loan losses affect its profits and share value.
The Bank can cease future expansion opportunities in the Middle East. Besides, it can venture into other countries with a significant Muslim population. Expanding its geographical market can diversify its revenue sources. Besides, it can take advantage of the UAE government spending drive to pursue further growth and expand its product portfolio. Besides, the Bank can leverage growth potential in profitable segments such as real estate. The UAE economy is resilient with high infrastructure and a conducive macroeconomic environment for the business to thrive.
The institution operates in a mature market. Thus, it must expand its market share for it to grow, which is expensive. Real estate is also competitive in the UAE, and ADIB faces intense competition from other market players, resulting in tight asset margins. A highly competitive margin is likely to affect its profitability in the real-estate business. In addition, the UAE economy is highly dependent on the oil industry. Thus unfavorable market conditions can influence the ADIB market due to reduced disposable income among its customers.
ADIB’s goal on customer’s financial literacy is to equip its stakeholders with knowledge and skills to make informed and structure financial decisions. The organization pursues the goal through its CSR function. It has implemented two main programs in pursuit of financial literacy; Money Smart community and Community engagement. Money smart is a digital community that connects people with various financial experiences to share their expertise. It provides members with up-to-date information on financial news and trends, banking rates, and emerging products in the banking sector besides engaging customers in co-creating an ideal bank while providing professional advice. In addition, the financial education program focuses on institutions of higher learning. The organization visits universities to provide financial literacy to students, such as budgeting and saving, besides providing them with the necessary resources to support their financial management.
ADIB also participates in awareness campaigns that seek to educate its customers and the community through real-life experiences. The Bank uses its social media platforms to interview people who share their financial choices, experiences, and consequences. For instance, the organization holds happy summer campaigns that seek to offer financial education for laborers by equipping them with sufficient knowledge n how to manage their finances and lead a prosperous life. The institution also launched Khutatti savings plan to encourage medium to long term. It is both a savings and an investment plan enabling customers to contribute fixed monthly installments to a plan with exposure to Sharia-compliant mutual funds and investments. Moreover, the product aligns with client needs, financial risk index, and it is easy to withdraw funds.
The organization has also taken it upon itself to educate the masses on cybersecurity. In 2019, it partnered with Dubai and Abu Dhabi policy to educate clients on emerging cybercrimes. Moreover, the institution uses its social media platforms to sensitize the masses and educate them on how to combat cybercrimes.
ADIB also gives back to the community through participating in blood donation campaigns. It organizes blood donation annually across all its various branches. A healthy community is a thriving society, and public health is of great interest to the organization. Besides, ADIB joins the global community in the breast cancer awareness month every year since 2015. For instance, in 2019, the campaign included general screening, fat analysis—breast self-assessment lecture from a gynecologist, and gifts such as 3D mammogram vouchers.
ADIB’s commendable growth and overall performance across its functional areas are attributable to sound and proactive management. However, implementing various changes can help the organization strengthen its weak performance areas and leverage its opportunities for its benefit. ADIB should expand its product portfolio to include more profitable products to increase its revenue streams and compensate for the small profit margins in banking necessitated by stiff competition. Moreover, other regions with a significant Muslim population can offer a market for the organization’s products. Geographical expansion can help ADIB spread its risk from macro-economic factors and cushion it against bad economic times in the region.
Moreover, its human resource goals are impressive. Its pursuit for gender equality in its workforce aligns with the global goal to empower women. However, the organization can design women-focused education empowerment programs to encourage girls from a young age to pursue banking and finance careers. For instance, the institution can partner with elementary schools to establish women’s banking clubs. Children are the future generation, and establishing a firm foundation at a young age will produce a sustainable female workforce for the banking sector in the future.
ADIB operates as a financial group that provides financial solutions to UAE citizens and the region. The Bank’s operations fall under profitable and non-profitable services. It has a functional management structure, where each department has set its own goals to pursue the company mission and vision based o sharia law and company values. ADIB’s primary goals seek to achieve environmental sustainability, Emiratization of its labor and gender equality among its employees, financial literate racy among community members, and customer satisfaction. Besides, its environmental analysis identifies various strengths, weaknesses, threats, and opportunities that the organization can influence to achieve a competitive edge. The organization has a strong financial position which it can utilize to expand into other markets outside the Middle East besides growing its product portfolio to increase its revenue streams and compensate for the small margins in the banking sector. Its commitment to achieve gender equality in its labor force requires a sustainable strategy that encourages girls to take an interest in banking and finance early. ADIB human resource strategies provide conducive growth and development opportunities, and its values align to min in different ways. Thus, research has augmented the desire to work with the organization.
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You determine when you get the paper by setting the deadline when placing the order. All papers are delivered within the deadline. We are well aware that we operate in a time-sensitive industry. As such, we have laid out strategies to ensure that the client receives the paper on time and they never miss the deadline. We understand that papers that are submitted late have some points deducted. We do not want you to miss any points due to late submission. We work on beating deadlines by huge margins in order to ensure that you have ample time to review the paper before you submit it.
We have a privacy and confidentiality policy that guides our work. We NEVER share any customer information with third parties. Noone will ever know that you used our assignment help services. It’s only between you and us. We are bound by our policies to protect the customer’s identity and information. All your information, such as your names, phone number, email, order information, and so on, are protected. We have robust security systems that ensure that your data is protected. Hacking our systems is close to impossible, and it has never happened.
You fill all the paper instructions in the order form. Make sure you include all the helpful materials so that our academic writers can deliver the perfect paper. It will also help to eliminate unnecessary revisions.
Proceed to pay for the paper so that it can be assigned to one of our expert academic writers. The paper subject is matched with the writer’s area of specialization.
You communicate with the writer and know about the progress of the paper. The client can ask the writer for drafts of the paper. The client can upload extra material and include additional instructions from the lecturer. Receive a paper.
The paper is sent to your email and uploaded to your personal account. You also get a plagiarism report attached to your paper.
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Delivering a high-quality product at a reasonable price is not enough anymore.
That’s why we have developed 5 beneficial guarantees that will make your experience with our service enjoyable, easy, and safe.
You have to be 100% sure of the quality of your product to give a money-back guarantee. This describes us perfectly. Make sure that this guarantee is totally transparent.
Read moreEach paper is composed from scratch, according to your instructions. It is then checked by our plagiarism-detection software. There is no gap where plagiarism could squeeze in.
Read moreThanks to our free revisions, there is no way for you to be unsatisfied. We will work on your paper until you are completely happy with the result.
Read moreYour email is safe, as we store it according to international data protection rules. Your bank details are secure, as we use only reliable payment systems.
Read moreBy sending us your money, you buy the service we provide. Check out our terms and conditions if you prefer business talks to be laid out in official language.
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