ADIB statements need an Islamic-aware chart of accounts. Murabaha is financing, Wakala is investment income, Takaful is insurance, Ghina is savings. Kashfbank tags each so the ledger map is right on import.
Convert ADIB statementsAbu Dhabi Islamic Bank's statement carries product names — Murabaha, Wakala, Takaful, Ghina — that do not map to a conventional chart of accounts. Murabaha instalments are financing repayments. Wakala profits are investment income. Takaful premiums are insurance. Ghina movements are savings transfers. For accountants serving ADIB clients, the import has to respect this structure or the financial statements misclassify under IFRS.
Kashfbank tags each Islamic finance line in the Category column. Murabaha goes to financing, Wakala goes to investment income, Takaful goes to insurance expense, Ghina goes to a savings-transfer category. The accountant maps these to the client's chart of accounts on first import, then the mapping persists for every subsequent ADIB CSV.
ADIB issues a bilingual Arabic-English PDF in AED with DD/MM/YYYY dates. Columns are transaction date, value date, description (bilingual), debit, credit, balance. The Islamic product type appears in the description field. Monthly and year-to-date summary rows sit at the foot — Kashfbank skips them so they do not double-count in the trial balance match.
Zoho Books UAE VAT edition is the dominant UAE SMB accounting tool and imports the resulting CSV directly. Xero is second, with Sage 50 used by some legacy practices. Date, Description, Debit, Credit, Balance, Category, Currency columns map to the standard bank-feed schema. The accountant adds an Islamic-finance section to the chart of accounts and maps the Category tags on first import.
Pull the full transaction list with running balance, Murabaha instalments tagged as financing, Wakala profit credits separately, Takaful premiums separately, Ghina savings transfers separately, supplier debits with input VAT, and VAT remittances. Cross-check the closing balance against the trial balance. Any gap is the first reconciliation item.
Bilingual Arabic-English PDF. AED denominated. Dates DD/MM/YYYY. Monthly and year-to-date summaries included. Columns: transaction date, value date, description (bilingual), debit, credit, balance. Islamic product type (Murabaha, Wakala, Takaful) referenced in description field. IBAN, account type, and statement period prominent in header.
| Label | Meaning |
|---|---|
| POS PURCHASE | Sharia-compliant card payment at merchant |
| ATM CASH | ATM cash withdrawal |
| SALARY CREDIT | WPS salary deposit |
| MURABAHA FINANCE | Murabaha product instalment deduction |
| WAKALA PROFIT | Profit from Wakala investment deposit |
UAE-based accountants using Zoho Books (UAE VAT edition) need the VAT column flagged; Kashf's Category field tags ZATCA-style VAT payment rows for easy filtering.
Upload one or more ADIB PDFs
Upload the client's ADIB statements in one session. Each file is processed independently and labeled with its source filename. Twelve monthly PDFs become twelve sheets in one bundle.
Confirm account type and currency
Check the header for account type. AED is the base currency on retail accounts. The bilingual description column is parsed by Kashfbank with both languages preserved. Year-to-date summary rows at the foot are skipped from the transaction count.
Reconcile running balance
The Balance column should be continuous month to month. Any gap signals a missing page or split PDF. Re-upload and Kashfbank merges chronologically. Bilingual description rows are kept as one transaction, not two.
Export to the accounting tool
Download the CSV. Zoho Books UAE VAT edition imports directly. For Xero or Sage, the Date, Description, Debit, Credit, Balance, Category, Currency columns map to the standard bank-feed schema. Add the Islamic-finance section to the chart of accounts.
Common challenges
Can Kashfbank process multiple ADIB clients' statements in one session?
Yes. Each upload is processed independently and labeled with its source filename. A single session can convert ten to twenty PDFs across different clients, with each downloaded as its own CSV. SME bookkeepers and tax agents can run a full month's batch in one sitting.
How does the export book Wakala profit credits?
Wakala profit credits are investment income, not interest and not trading revenue. Kashfbank tags them as investment income in the Category column. The accountant maps them to an investment-income ledger account under IFRS, distinct from trading revenue and from interest income.
Does Kashfbank skip the year-to-date summary rows from ADIB statements?
Yes. Year-to-date and monthly summary rows are aggregate totals, not transactions. Generic OCR can misread them as transaction lines, which double-counts in the trial balance match. Kashfbank skips the summary rows so the export contains only real transactions.
Where do Ghina prize savings transfers post in the ledger?
Ghina is ADIB's prize savings product. Transfers in and out are savings movements, not P&L items. Kashfbank tags GHINA ACCOUNT rows as savings transfers so they book to a balance-sheet savings account, not to revenue or expense.
Detailed guide
Step-by-step guide to converting Abu Dhabi Islamic Bank (ADIB) statements
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Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
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