ADCB is a leading home-finance provider in Abu Dhabi. Underwriters want 6+ months of statements with salary, obligations, and seasoned down payment all in one view.
Convert your ADCB statementAbu Dhabi Commercial Bank is a leading mortgage provider for residential properties across Abu Dhabi, Dubai, and Sharjah. The Central Bank of the UAE caps loan-to-value at 80% for UAE nationals and 75% for expats on first properties below AED 5 million. ADCB's mortgage desk wants 6 or more months of statements to verify salary, obligations, and the source of the down payment.
Down payment seasoning is non-negotiable. ADCB, like other CBUAE-regulated lenders, wants funds to have been in the account for at least 60 days. Recent unexplained large deposits trigger a source-of-funds enquiry. Family gifts are accepted but need a gift letter alongside the row that shows the inbound transfer.
ADCB issues a bilingual Arabic/English PDF with DD/MM/YYYY dates. WPS salary credits print with the employer's MoHRE code monthly. Foreign income via SWIFT arrives with sender BIC and original currency. Existing ADCB cards and loans show as recurring debits that the underwriter sums for the CBUAE 50% DBR check.
ADCB TouchPoints cashback appears as 'ADCB CASHBACK CREDIT' and underwriters exclude it from income. ADCB Islamic mortgage files use Murabaha or Ijara terminology and Kashfbank tags financing rows accordingly so they post to the right ledger account on your file. UNB and Al Hilal legacy entries from the 2019 absorption are read as ADCB.
Pull six months of salary credits, all recurring obligations, the down payment deposit with its source row, and the running balance to show no balance drop. The underwriter is also looking for absence of returned cheques, gambling merchant codes, and unexplained large outflows.
English-dominant PDF with bilingual headers. Dates in DD/MM/YYYY. Clean tabular layout: transaction date, value date, description, debit, credit, balance. IBAN displayed in statement header. Interest/fee lines clearly separated. Some older accounts may show statement layout inherited from Union National Bank merger.
| Label | Meaning |
|---|---|
| POS PURCHASE | Card payment at point-of-sale terminal |
| ATM CASH WITHDRAWAL | Cash dispensed at ATM |
| SALARY | Monthly salary credit via WPS |
| LOAN INSTALMENT | Monthly EMI deduction for personal or auto loan |
| SALIK RECHARGE | Top-up of Dubai Salik road toll account |
UAE mortgage applicants must show 6 months of statements; CBUAE's maximum loan-to-value is 80% for UAE nationals and 75% for expatriates for first properties below AED 5M.
Download 6+ months of ADCB PDFs
Open ADCB Mobile Banking, request statements for the last 6 to 12 months, save the PDFs. Upload to Kashfbank. They merge into one chronological sheet.
Locate and document the down payment
Filter to large credits. Find the down payment row. Identify its source 60+ days earlier. If the source is a family gift, prepare a gift letter declaring the funds non-repayable to satisfy ADCB's source-of-funds check.
Calculate your DBR
Sum monthly recurring debits including the proposed new mortgage instalment. Divide by gross salary. Stay under CBUAE's 50% cap. If you are close, clearing an existing ADCB card or loan first usually opens the file.
Export the file
Download the merged CSV. The Date, Description, Debit, Credit, Balance, Category layout gives the ADCB underwriter everything in one tab. Keep the original PDFs alongside for the source-document trail.
Common challenges
How does ADCB verify my down payment is seasoned?
ADCB wants the funds to have been in your account for at least 60 days. The converted statement shows the deposit date and the run from that date forward. If the down payment was transferred in recently, source-document the prior account — Kashfbank handles that statement too.
I'm an expat. What is my maximum LTV for my first home?
CBUAE caps expat first-property LTV at 75% for properties under AED 5 million and 65% above. UAE nationals get 80% and 70% respectively. The converted ADCB statement helps you confirm the corresponding down payment is in place and seasoned.
Does ADCB Islamic require different documentation than conventional ADCB?
Underwriting documents are similar. The contract differs: Murabaha or Ijara structure replaces interest. Kashfbank tags ADCB Islamic financing rows accordingly so existing obligations on your file are booked correctly.
Will ADCB count TouchPoints cashback toward my income?
No. ADCB CASHBACK CREDIT rows are rebates, not income. The mortgage underwriter excludes them from the income calculation. The export tags them in the Category column so your reviewed file is already correct.
Freelancers
Extract, categorize, and export freelance income and expenses from PDF bank statements — ready for 1099, self-assessment, or ZATCA filings.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Loan Applications
Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.
Upload PDF, get Excel in seconds
Try it free10 free credits on signup
Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
Full country guide →Statement language: English