ADIB — مصرف أبوظبي الإسلامي — Abu Dhabi Islamic Bank
ADIB COMMAND CENTER · 6 VARIANTSV1 · Executive CanonV2 · Command DenseV3 · HolographicV4 · Glass MonoV5 · Realtime StreamV6 · Cinematic RoomBanking as it Should be
ADIB · AI INTELLIGENCE PLATFORMCOHORT: ADIB SHARE Covered Card LIVE · 12 streams
UTC+04 · 07:09 PMv10 ULTIMATE
ACTIVATION RATE 0-90D
62.4%
+4.1pp
vs 58.3% LM
SWIPE → CASH-BACK LIFT
1.94x
+0.18x
post-utility
30D / 90D RETENTION
78.6%
-1.2pp
cliff @ D71
COST PER ACTIVATED CARD
412AED
-AED 38
blended
SHARIA-COMPLIANT REWARD
98.1%
= 0
audit clean
GCC EXPANSION READINESS
5/7
+1
KSA pending

AI-SURFACED DECISIONS · HUMAN APPROVES

D-01 · LOW
Push utility nudge to D45 dormant cohort
+3.2% activation
Mohamed · APPROVED
D-02 · LOW
Pause Snapchat under-25 spend (cAC > AED 920)
-AED 78K /mo
Nikhil · APPROVED
D-03 · MED
Expand Sharia-compliant reward across all SKUs
+1.1pp retention
Alefiya · REVIEW
D-04 · MED
Welcome-bonus reroute: Lulu → Carrefour
+AED 41 ARPU
Mohamed · REVIEW
D-05 · HIGH
Helper-inclusive benefit tier — pilot 5K cards
+8.4% NPS
Vivek · BLOCKED

UAE CASHBACK CARDS · COMPETITIVE MATRIX

ADIB SHARE14.2%
1.8
FAB Cashback18.6%
0.4
Emirates NBD U17.1%
0.6
Mashreq Smart Saver11.3%
0.2
ENBD Lulu9.7%
1.1
DIB Prime8.4%
0.3
RAKBANK RAKChoice6.2%
1.4
CBD Visa Infinite5.9%
0.2
ADIB AUM55.4B AED+25%·Active Accounts192,500+15.2%·NPS75+8 pts·UAE Banking SOV8.3%+1.2pt·ROE28.4%+8% YoY·NPA2.5%▼ record low·Murabaha velocity+3.1×vs FAB·CPC AED3.75+12%·SHARE conversions12,459+41%·Sharia compliance99.9%AAOIFI·AI models prod75 live·ADIB AUM55.4B AED+25%·Active Accounts192,500+15.2%·NPS75+8 pts·UAE Banking SOV8.3%+1.2pt·ROE28.4%+8% YoY·NPA2.5%▼ record low·Murabaha velocity+3.1×vs FAB·CPC AED3.75+12%·SHARE conversions12,459+41%·Sharia compliance99.9%AAOIFI·AI models prod75 live·