Climate Change Data

Environmental Metrics

ESG Focus Areas

• Economic Value
• Community Support
• Climate Change
• Natural Resources
• Responsible Buying
• Workforce & Engagement
• Diversity & Emiratisation
• Equality & Fairness
• Development & Training
• Health & Safety
• Corporate Governance
• Transparent Communication
• Financial Returns
• Business Continuity
• Public Accessibility
• Responsible Communication
• Responsible Financing
• Customer Satisfaction
• Safety & Security
• Customer Awareness

Environmental Achievements

• Reduced paper consumption by 506,546 sheets in 2012 through e-statements.
• Forwarded over 18 tons of electronic waste for recycling in the last 3 years.

Social Achievements

• Resolved 93% of InterAct customer complaints within 3 working days.
• Waived AED 22.7 mn in receivables from debt-burdened UAE Nationals.
• Granted 321 Educational Loans worth AED 14 mn.
• Increased sourcing of goods and services from locally-based suppliers to 95.3%.

Governance Achievements

• Received the ‘Hawkamah Bank Corporate Governance Award 2012’.

Climate Goals & Targets

Environmental Challenges

• Low global consumer trust and confidence in banks.
• Managing energy consumption across all premises.
• Monitoring overall energy consumption.

Mitigation Strategies

• Implemented a lights-off policy and down-time for air conditioning.
• Initiated a system to track energy consumption from all activities.
• Implemented water-saving devices in the head office.

Supply Chain Management

Responsible Procurement

• Expecting suppliers to be socially and environmentally sensitive and operate according to legislation and international regulations.
• 95.3% spending on local suppliers.

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: GRI G3.1 Guidelines (Level B), GRI Financial Sector Supplement Guidelines, AA1000-Assurance Standard, UN Global Compact, EFQM’s RADAR

Sustainable Products & Innovation

• Mobi payment mechanism
• Mobile internet banking
• Investment custody services based in Jersey

Awards & Recognition

• Bank of the Year-UAE Award
• Hawkamah Bank Corporate Governance Award 2012
• Best Investor Relations website
• Human Resources Award
• Best Woman Award

Environmental Metrics

ESG Focus Areas

• Emiratisation
• Community Investment
• Environmental Stewardship
• Ethical Banking
• Corporate Governance

Environmental Achievements

• 17.24 tons of carbon emissions avoided through ADCB Bikeshare in 2015
• AED 285,348 raised for EWS-WWF through ATM and online banking donations

Social Achievements

• Launched Tamooha program, providing over 1,400 hours of training and enabling 140 Emirati women to find meaningful employment
• AED 239,913 raised for Al Jalila Foundation through ADCB Breast Cancer Awareness campaign, providing 305 free mammogram screenings
• Various community outreach initiatives including sponsorship of Sheikh Zayed Heritage Festival

Climate Goals & Targets

Environmental Challenges

• Lower oil prices impacting UAE economy and credit growth
• Increased geopolitical tensions
• Weakening credit performance in certain market segments
• Tighter liquidity conditions
• Pressures on funding costs
• Cyberattacks and data security risks

Mitigation Strategies

• Portfolio diversification (90% of loans in UAE)
• Granular and well-structured lending
• Robust capital adequacy and regular stress tests
• Proactive approach to liquidity risk with buffers exceeding Basel requirements
• Active participation in UAE Banks Federation forums to influence regulatory policy
• Analysis of regulatory changes to ensure effective implementation
• Comprehensive technology risk management program including security testing and user education
• Insurance against data security risks

Supply Chain Management

Supplier Audits: Over 90% of vendors registered on sustainability system by end of 2015

Responsible Procurement

• Vendor registration process requiring sustainability commitment

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• ADCB Bikeshare
• Paperless personal loans
• Critical Guard Insurance

Awards & Recognition

• UAE Trade Finance Firm of the Year
• Best Trade Finance Offering
• Business Leader of the Year
• UAE Domestic Trade Finance Bank of the Year
• Best Corporate Governance Award 2015
• Daman Award for Corporate Health and Wellness Initiative
• Trade Finance — Overall Quality of Service in Middle East
• Best Human Capital Development Initiative
• Best Customer Service — Corporate Banking
• Best Fund over 3 Years, Equity UAE
• Best Bank for Cash Management in the Middle East
• Best for Cash Management in the UAE
• SME Banking Innovation Award
• Trade Finance — Overall Quality of Service, Global — 2nd Place
• Sharia Lawyer of the Year
• Best Trade Finance Bank in the UAE
• Best Brand-Building Initiative in the Middle East Award
• Best Affinity Credit Card in the Middle East & Asia/Oceania 2015
• Best Trade Finance Provider in the UAE
• Best Islamic Banking Window in the UAE
• Best Trade Finance Bank in MENA
• Best Islamic Retail Bank in the UAE and Islamic Bank of the Year in the UAE
• Best Supply Chain Finance Provider Award — Middle East
• Best Local Bank in the UAE
• Bank of the Year
• Best Cash Management
• Most Innovative Product (Salam Personal Finance)
• Best Islamic Trade Finance Bank
• Best Trade Finance Bank in the UAE

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance
• Financial Literacy
• Health and Well-being
• Gender Equality
• Climate Action
• Economic Growth
• Community Investment
• Sustainable Development Goals

Environmental Achievements

• Expanded ADCB Bikeshare from 11 to 28 locations, resulting in 1.49 million kcal burned by cyclists and more than 9 tons of carbon emissions avoided.
• ADCP commenced installing LED lighting fixtures across all its offices and branches.
• ADCP implemented a waste management program across over 2,100 properties under management.
• ADCE integrated environmental practices into its management systems through ISO 14001.
• ADCE introduced construction waste segregation for concrete and wood.

Social Achievements

• MoneySense financial literacy program inducted over 1,000 UAE residents and nationals.
• Raised approximately AED 99,000 for breast cancer research through ADCB Pink Month.
• ADCB Health & Wealth Roadshow provided medical and financial checks to over 2,000 participants.
• Internal staff Health & Wellness Week with approximately 500 participants.
• Tamooha initiative employed 144 UAE national women and received awards for diversity and inclusion.

Governance Achievements

• ADCB is one of the few GCC banks to have a female Board Director.
• ADCP awarded OHSAS 18001:2007 Certification.

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: OHSAS 18001:2007 (ADCP), ISO 14001 (ADCE)

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Goal 4: Quality Education
• Goal 3: Good Health and Well-being
• Goal 5: Gender Equality
• Goal 9: Industry, Innovation and Infrastructure
• Goal 13: Climate Action

Initiatives described in the report support these goals.

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Tamooha initiative: “Women in Leadership Achievement” and Gulf Customer Experience Award
• Ms. Siddiqa Abbas: “Best Initiative Award”