ADCB Egypt expands sustainable finance, launches 1st carbon footprint calculator

Translated & Edited by Aya Elsayed

Abu Dhabi Commercial Bank - Egypt’s (ADCB) 2025 Sustainability Report shows how sustainability is becoming more deeply integrated into the bank’s business model, from capital allocation and risk management to long-term growth.

The bank expanded sustainable finance, introduced tools to help corporate clients manage carbon emissions, increased investment in community initiatives and widened its financial inclusion efforts.

Sustainable finance jumps 55.7%, portfolio exceeds EGP 13bn

ADCB Egypt’s sustainable finance portfolio rose 55.7 per cent year-on-year to EGP 13.27 billion at end-2025 from EGP 8.5 billion at end-2024.

Sustainable finance accounted for 24.6 per cent of the bank’s lending to corporates and SMEs, up from about 19 per cent in 2024, signalling a broader shift in the loan book.

The portfolio was almost evenly split between EGP 6.66 billion in green loans and EGP 6.61 billion in social loans.

Clean transport accounted for 77.2 per cent of the green loan portfolio, reflecting the bank’s focus on financing lower-emission transport projects.

Within social lending, 34.5 per cent was directed towards infrastructure projects, while 29.3 per cent supported microenterprises, extending financing towards projects with broader economic and social impact.

The bank also participated in arranging syndicated financing for a real estate development project in 2025, contributing EGP 1 billion. The project was designed in line with sustainability standards, while one of its buildings received EDGE green-building certification, targeting a 53 per cent reduction in energy consumption and a 44 per cent reduction in water use.

ADCB Egypt also provided a EGP 200 million financing facility to support the localisation of Egypt’s pharmaceutical industry, strengthening domestic manufacturing and research and development capacity while supporting the production of vaccines and essential medicines.

ADCB launches Egypt’s first corporate carbon footprint calculator

ADCB Egypt also extended its sustainability strategy beyond financing by launching a carbon footprint calculator for corporates, becoming the first bank in the Egyptian market to offer the service.

The service was introduced through a strategic partnership with Masader, a leading sustainability and climate advisory firm, using Thamania, Masader’s advanced digital sustainability platform..

It is designed to help companies measure carbon emissions, identify opportunities to reduce them, strengthen climate disclosure and environmental governance, and prepare for regulatory requirements linked to local and international net-zero policies.

The bank also continued to improve the environmental efficiency of its own operations, with its headquarters and 40 per cent of its branch network receiving EDGE green-building certification.

ADCB Egypt allocates EGP 16.11m to community initiatives

ADCB Egypt increased spending on social responsibility initiatives by 41.1 per cent year-on-year to EGP 16.11 million in 2025, benefiting 7,324 people across healthcare, education, economic empowerment and environmental programmes.

Healthcare accounted for EGP 8 million, supporting 4,550 beneficiaries as the bank contributed to Nile of Hope Hospital, which specialises in treating congenital conditions among newborns, and provided an endoscope sterilisation device to Fayoum Oncology Centre, benefiting about 900 patients annually through stronger infection-control capabilities and improved healthcare quality.

In education, ADCB Egypt allocated EGP 3.46 million to support students with disabilities, including scholarships for 14 students across different universities and faculties, alongside training programmes aimed at developing skills and preparing beneficiaries for the labour market.

The bank invested a further EGP 3.13 million in economic empowerment initiatives. These included the 100 Women programme, which provided practical training in business management, marketing and product development to help participants expand home-based businesses into more sustainable small enterprises.

ADCB Egypt also worked with Al Orman Association to support 60 people with disabilities in establishing or expanding small businesses.

In partnership with the Ataa Fund, the bank financed three-wheeled vehicles for 15 wheelchair users, supporting greater independence and access to economic opportunities.

Environmental initiatives worth EGP 1.5 million benefited around 2,500 people and included two solar-powered water desalination plants in Beheira governorate, providing a more sustainable source of clean water while reducing carbon emissions.

Financial inclusion reaches 12.2k beneficiaries

Financial inclusion formed another part of the bank’s sustainability strategy, with a focus on expanding access to financial services for women, people with disabilities and young people.

Through specialised financial products and partnerships with civil society organisations, ADCB Egypt reached 12,225 beneficiaries through financial inclusion initiatives in 2025, supported by investments of about EGP 1 million.

Among those initiatives was a partnership with Rahet Bally, which organised capacity-building workshops for women and connected participants with financial products suited to their needs.

At the same time, the bank’s SME financing portfolio grew 16 per cent year-on-year to EGP 1.6 billion, reinforcing the link between financial inclusion, access to credit and broader economic participation.

ADCB Egypt’s sustainability strategy in 2025 therefore extended beyond individual initiatives. The stronger growth in sustainable finance, broader use of environmental tools, higher community investment and wider financial inclusion efforts point to a model in which sustainability is becoming more closely integrated with the bank’s core business and long-term growth strategy.