Abu Dhabi Islamic Bank DIGITAL

Enterprise Technology Stack & Vendor Relationships

• Abu Dhabi Islamic Bank PJSC is a UAE public joint-stock Islamic bank whose 2025 accounts describe banking, financing, and investment operations across the UAE, Iraq, Qatar, and Sudan ¹.

• ADIB reported migrating a high percentage of customer-facing, strategic core-banking applications and workloads to Microsoft Azure in 2022, with Cloud4C selected as its transformation provider ².

• ADIB reported migrating its Cloudera platform from on-premises infrastructure to Cloudera Public Cloud on Azure in 2024, including a multi-availability-zone upgrade ³.

• ADIB announced implementation of SWIFT Alliance Cloud in January 2025, identifying ProgressSoft as a technology partner for retail and corporate financial messaging and payment processing ⁴.

• ADIB’s 2024 sustainability report identifies Silent Eight as a partner for AI/ML-enabled compliance-alert screening and identifies a partnership with Lean Technologies ⁵.

• No public evidence identified of ADIB licensing, subscribing to, or integrating a verified Israeli-origin cybersecurity or enterprise vendor.

Surveillance, Biometrics & Retail Technology

• ADIB’s disclosed AI use includes Silent Eight’s automated compliance-alert screening and banking/data-analytics activity, rather than a stated biometric or surveillance deployment ^{5, 2}.

• No public evidence identified that ADIB uses Israeli-origin facial recognition, biometric identification, gait analysis, retail analytics, predictive policing, social-media monitoring, sentiment analysis, or workforce-surveillance products.

• No public evidence identified that Israeli-origin surveillance or biometric technology reaches ADIB through its disclosed Cloud4C, Cloudera, ProgressSoft, du, e& enterprise, Astra Tech/Botim, or Silent Eight relationships ^{2, 3, 4, 6, 5, 7, 8}.

Cloud Infrastructure, Data Residency & Sovereign Cloud Participation

• ADIB’s disclosed cloud stack includes Microsoft Azure for customer-facing and core-banking workloads and Cloudera Public Cloud on Azure for enterprise data operations ^{2, 3}.

• The reviewed Azure and Cloudera disclosures do not identify Israel as a data-storage, routing, processing, or legal-access location ^{2, 3}.

• In 2016, ADIB announced a multi-year data-centre co-location agreement with UAE telecommunications provider du, stating that du operated facilities in Dubai and Abu Dhabi and would support infrastructure, networks, managed services, and mission-critical applications ⁶.

• The current status of the 2016 du co-location arrangement is not established by the reviewed material ⁶.

• No public evidence identified that ADIB operates, leases, or co-locates data-centre infrastructure in Israel, or that its disclosed cloud and data-processing pipeline touches Israeli jurisdiction or Israeli-controlled infrastructure.

• No public evidence identified that ADIB participates in Project Nimbus or provides sovereign-cloud, data-residency, or resilience services to Israeli state institutions or military bodies.

• The reviewed public disclosures do not state Azure-region selection, data-residency commitments, network routing, subcontractors, or legal-access architecture for ADIB customer, transaction, compliance, or Cloudera-platform data ^{2, 3}.

Defence, Intelligence & Security Sector Technology Relationships

• ADIB signed a September 2020 memorandum of understanding with Israel’s Bank Leumi to explore banking cooperation in the UAE, Israel, and other markets, including cash management, trade finance, corporate accounts, and foreign-exchange services ^{9, 10}.

• The Bank Leumi materials do not describe technology provision, a defence customer, a security contract, data hosting, or a military or intelligence relationship ^{9, 10}.

• The reviewed material does not establish whether the Bank Leumi memorandum continued, ended, or resulted in operational services after signature ^{9, 10}.

• No public evidence identified of ADIB contracts, partnerships, or service agreements with the Israeli Ministry of Defence, IDF, Israeli intelligence agencies, or other Israeli security bodies.

• No public evidence identified that ADIB technology was deployed for Israeli military, intelligence, police-surveillance, offensive-cyber, exploit, or digital-weapons applications.

• The 2020 Bank Leumi memorandum establishes a banking-counterparty relationship with an Israeli bank, not an Israeli-origin digital-technology relationship ^{9, 10}.

AI, Algorithmic & Autonomous Systems

• ADIB reported using Silent Eight AI/ML for automated compliance-alert investigations intended to reduce false positives and improve auditability ⁵.

• ADIB’s 2022 Azure announcement described investment in analytics and machine-learning services for banking and customer decision-making ².

• Neither disclosure identifies Israeli training data, Israeli public bodies, Israeli or occupied-territory deployment, or provision to Israeli state or military bodies ^{2, 5}.

• No public evidence identified of ADIB AI/ML, computer-vision, autonomous decision-support, or data platforms being provided to Israeli state, military, or security bodies.

• No public evidence identified of autonomous target-generation, threat-detection, tracking, fire-control, or other kinetic-targeting systems supplied by ADIB.

Technology Ecosystem & R&D Footprint

• ADIB launched ADIB Ventures in October 2024 as a corporate venture and innovation initiative for fintech partnerships, investments, pilots, and proof-of-concept projects ¹¹.

• The ADIB Ventures announcement does not name an Israeli startup, fund, accelerator, research institution, or R&D site ¹¹.

• ADIB announced an agreement with UAE-based Astra Tech in April 2024 to integrate ADIB financial services into the Botim app ⁸.

• The Astra Tech announcement does not identify Israeli technology, Israeli operations, or a connection to Israeli state institutions ⁸.

• ADIB joined e& enterprise’s UAE Trade Connect blockchain platform in 2022 ¹².

• No public evidence identified of an ADIB R&D centre, engineering office, accelerator, acquisition, strategic investment, venture-fund investment, patent or licence arrangement, or research collaboration in Israel.

Civil Society Scrutiny & Regulatory History

• ADIB’s 2025 annual report identifies its consolidated subsidiaries, associates, and joint ventures in the UAE, Egypt, the United Kingdom, Bosnia, Saudi Arabia, the British Virgin Islands, Cayman Islands, Iraq, Qatar, and Sudan, without identifying an Israel-, occupied-territory-, or Israeli-state location among the disclosed entities ¹.

• No public evidence identified of an organised boycott, divestment, sanctions, export-control, regulatory, or legal action specifically concerning ADIB technology provision to Israeli state entities or operations in occupied territory.

• The Bank Leumi memorandum predates 19 July 2024 and November 2024, and the reviewed sources do not establish a technology service continuing after either date ^{9, 10}.

• ADIB’s 2024 annual report states that Emirates International Investment Company LLC held 46% of shares at year-end 2024, while foreign holders held 20% and other UAE nationals held 34% ¹³.

• A 2018 rights-issue circular described Emirates International Investment Company as wholly owned by National Holding LLC and controlled by members of Abu Dhabi’s ruling family, but the reviewed materials do not establish that this ownership or control description remains current ¹⁴.

• No source in the reviewed materials establishes Israeli technology, defence, intelligence, settlement, or surveillance investments by ADIB’s named directors, chief executive, Emirates International Investment Company, National Holding, or related vehicles ^{1, 13, 14, 15}.