▸ EXECUTIVE SCORECARD · LIVE · Q2 2026 CYCLE

ADIB Executive Scorecard

100% data integrity · 6.6B AED profit (+7%) · 66K new customers

STALE08 MAY 2026

AI SUMMARY:6.6B AED profit (+7%), 66K new customers, NPA 2.6% record low — Growing through wartime. Strong customer acquisition with 66K new customers, 84% via Digital channels.

RECOMMENDATION:Accelerate digital onboarding automation in KSA and reallocate 18.4M AED from underperforming Print to Meta platforms.

APPROVED CARDHOLDERS

5,280

(+25%)

COST PER APPROVED CARDHOLDER MTD

302.78AED

(−8%)

SPEND PACING

89%

on track · 75–90%

CHANNEL ROAS

4.3×

avg

▸ Q2 KPI SCORECARD · 12 SIGNALS

CYCLE · DAY 38 / 92

KPICURRENTTARGETSTATUSΔ MTD

1Approved Cardholders MTD5,2804,200GREEN+25%
2Cost per Approved CardholderAED 302.78≤AED 311.95GREEN−8%
3Spend Pacing89%75–90%GREEN+0pts
4Channel ROAS (Digital)5.2×≥3.5×GREEN+1.3×
5Channel ROAS (Email)2.1×≥2.8×RED−0.6×
6Approval Rate82%≥72%GREEN+6
7Avg. First Spend (7d)AED 1,266≥AED 1,101GREEN+14%
8CAC Payback Months2.2≤3.5GREEN−0.5
9Mobile Application %53%≥50%GREEN+4%
10KSA Cardholders MTD1,4701,600AMBER+15%
11Retention Rate (30d)82%≥32%AMBER+3%
12Fraud Rate0.5%≤1%GREEN−0.2%

▸ AI INSIGHTS

●High-growth segment: 25–34yo mobile applicants converting 2.4× faster
●Digital channel strength: 53% of applications now via mobile, up 9% MoM
●NPA at record low of 2.6% — robust risk management in high-growth markets

▸ STRATEGIC RECOMMENDATIONS

1.Activate AI onboarding model for KSA (projected +450 approvals)
2.Pause 18.4M AED Print budget and shift to Meta Advantage+ (est. ROAS lift 1.5×)
3.Launch retention campaign for 30-day dormant customers (projected 11.8M AED incremental spend)