How to Convert an ADIB Statement PDF to Excel (UAE Guide)

An ADIB statement carries the same working data as any other UAE account — dated, described, debited and credited transactions — but locked inside a PDF built to be read, not calculated with. If you keep the books for a client banking with Abu Dhabi Islamic Bank, retyping those rows by hand is the slow, error-prone part of the month.

This guide walks the whole path: getting the statement out of ADIB, dealing with the password, converting it to Excel or CSV, verifying the numbers survived the trip, and importing the result into Zoho Books, QuickBooks or Tally. Because ADIB is an Islamic bank, it also covers how profit and financing entries show up in the sheet — a detail most converters ignore.

⚠️ One honest note up front. BayanSheet ships tuned templates for Emirates NBD, FAB, ADCB and Dubai Islamic Bank. ADIB is not one of them. For ADIB statements the engine auto-detects the layout of your PDF and still runs the full reconciliation check on the result. That works well, and it is not the same claim as a hand-tuned template — so give your first ADIB file a column-level review.

Step 1 — Download the statement as a PDF

You want the bank's own PDF, not a screenshot and not a printed-then-scanned page. A native PDF carries a real text layer, which is what makes clean extraction possible.

From ADIB Internet Banking (desktop)

1. Sign in to ADIB Internet Banking in your browser.
2. Open the account you need from the accounts summary.
3. Look for Statements (sometimes shown as Account Statement or e-Statement).
4. Choose the period. Statement-cycle periods are usually cleaner than custom date ranges, because the opening and closing balances are printed on the document.
5. Download in PDF format.

From the ADIB Mobile app

1. Open the app and authenticate.
2. Tap the account, then the statements or transaction-history section.
3. Select the month or date range you need.
4. Download or share the PDF — mailing it to yourself or saving it to files both work.

💡 Prefer the download over the emailed copy. Statements you pull while logged in are frequently unencrypted, whereas emailed statements almost always carry a password. Downloading directly saves you the unlock step entirely.

If you are offered a direct CSV or Excel export, check it before trusting it — bank-generated spreadsheets often omit the opening and closing balance lines, which costs you the ability to reconcile the file against its statement.

Step 2 — Handle the password-protected PDF

If the PDF asks for a password when you open it, that is the bank's encryption, not a corrupted file.

ADIB, like most UAE banks, derives the password from details you already hold, and the covering email states the exact formula. Common patterns across Gulf banks include some combination of:

Ingredient	Typical form
Date of birth	DDMMYYYY or DDMM
Customer / CIF number	Full or last digits
Card or account number	Last 4–6 digits
Name	First few letters, often uppercase
Mobile number	Last digits

Always take the formula from the covering email rather than guessing — repeated wrong attempts waste time, and the wording is right there.

Once you can open it, there are two routes:

• Convert it as-is. BayanSheet accepts encrypted PDFs and asks for the password locally in your browser. Neither the file nor the password is transmitted.
• Save an unlocked copy. Open the PDF, enter the password, then use Print → Save as PDF to write out a decrypted version. Note that this route can rasterise some documents, turning selectable text into an image, which forces OCR and reduces accuracy. Prefer converting the original.

There is a fuller treatment of the whole problem in our guide to converting password-protected bank statements.

🔒 Never email the password in the same thread as the statement. It defeats the entire point of the encryption. If you must send both to a colleague, use separate channels.

Step 3 — Convert the statement to Excel or CSV

With the PDF in hand:

1. Open BayanSheet in your browser.
2. Drag the ADIB PDF onto the page — or use the file picker.
3. If the file is encrypted, enter the password when prompted. It stays on your machine.
4. The engine detects the transaction table, maps the date, description, debit, credit and balance columns, and extracts every row.
5. The reconciliation check runs automatically: opening balance + credits − debits, compared against the closing balance printed on the statement. Any row that does not add up is flagged.
6. Download the result as Excel (.xlsx) or CSV, depending on what your accounting software wants.

Nothing is uploaded at any point in that sequence. The parsing runs as JavaScript inside the browser tab you already have open.

If you handle several UAE banks, the UAE banks hub is the fastest way to see what is supported and how each format behaves. The general mechanics are covered in how to convert a bank statement to Excel.

Step 4 — Islamic-banking entries: what to expect in the sheet

This is where an ADIB statement differs from a conventional one, and where honesty matters more than marketing.

ADIB operates on Shariah-compliant structures, so you will not see an "interest" line. Instead the narration uses Islamic-finance terms. The mechanics of the conversion do not change — every one of these is still just a credit or a debit — but knowing the vocabulary stops you from miscoding a row when it reaches the ledger.

Statement term	What it usually represents	Where it lands in the sheet
Profit / profit distribution	Return paid on a savings or investment deposit	Credit column
Murabaha	Cost-plus financing instalment or drawdown	Debit (instalment) or credit (drawdown)
Ijara	Lease-based financing rental	Debit column
Wakala	Agency-based deposit return	Credit column
Takaful	Islamic insurance premium or fee	Debit column

🕌 The converter does not interpret these rows. A profit distribution is extracted as a credit; a Murabaha instalment is extracted as a debit. BayanSheet reads the numbers and the printed narration exactly as they appear — it does not relabel a profit entry as interest, and it does not assign a tax treatment. That classification is yours to make in the ledger, which is where it belongs.

For VAT and corporate-tax coding, treat these entries the way your chart of accounts and your tax adviser dictate. The point here is narrow: the sheet gives you the correct amount, sign and description for each row, so nothing is lost in translation.

Step 5 — Verify the output before it touches your ledger

This is the step most people skip and later regret. A conversion error is rarely loud; it is a single dropped row that surfaces three weeks later as a reconciliation that will not close.

Run these four checks on the converted file:

Check	What to look for	Why it matters
Balances reconcile	The tool confirms opening + credits − debits = closing	Catches dropped rows and misread decimals
Debit / credit split	Two distinct columns, correct signs	A merged amount column inverts your net movement
Descriptions intact	A wrapped narration stays on one row	Split descriptions create phantom transactions
Dates correct	Day and month not transposed; value date preserved	Wrong dates land transactions in the wrong VAT period

The reconciliation result does most of the heavy lifting. If opening balance plus credits minus debits equals the closing balance on the PDF, no row was lost and no amount was misread badly enough to matter — that is arithmetic, not a promise.

Because ADIB is auto-detected rather than tuned, give the column mapping a deliberate glance on the first file of a given format — and pay particular attention to those longer Murabaha and Ijara narrations, which are the rows most likely to wrap onto a second line. Once you have confirmed it, subsequent statements in the same format behave the same way.

Our five-test method for evaluating any converter, including this one, is in how to verify a bank statement converter.

Step 6 — Import into Zoho Books, QuickBooks or Tally

Each package wants a slightly different shape.

Zoho Books

Go to Banking → the relevant account → Import Statement, upload the CSV, then map the columns: date, description, debit (withdrawal), credit (deposit) and optionally reference. Set the date format to match your file exactly — DD/MM/YYYY is the usual Gulf convention and mismatching it here is the single most common import failure. Save the mapping and Zoho will reuse it next month. There is a step-by-step walkthrough in importing bank statements into Zoho Books.

QuickBooks Online

Use Transactions → Bank transactions → Upload from file. QuickBooks accepts CSV with either a single signed amount column or separate debit and credit columns; pick whichever matches your export and map accordingly. Confirm the dates parsed as dates rather than text before you accept the batch.

Tally

Tally imports are less forgiving about layout, so the usual route is to shape the converted sheet into the ledger structure Tally expects before importing. We walk through that in importing bank statements into Tally.

For a side-by-side of all three, see importing bank statements into accounting software.

✅ Import tip: import one month first and reconcile it before batching a whole year. If the mapping is wrong, you would much rather find out across 40 rows than 500.

Why in-browser processing matters for client statements

A bank statement is not an ordinary file. One month of a trading company's ADIB account exposes its suppliers, its customers, its payroll, its margins and its cash position — everything a competitor or a fraudster would want. When a converter uploads that PDF, the client's financial history is copied onto infrastructure you do not control, under a vendor's storage and retention terms nobody in the practice has read.

BayanSheet converts entirely inside your browser. There is no upload, so there is no stored copy to leak, subpoena or breach.

⚡ Prove it in fifteen seconds. Disconnect your Wi-Fi and convert a statement anyway. A browser-based tool keeps working because nothing needs to be sent. A tool that uploads will hang. No marketing page can fake that result.

Quick reference

Question	Answer
Where do I get the PDF?	ADIB Internet Banking or the ADIB Mobile app, statements section
Password?	Formula is in the covering email; downloads from inside banking are often unencrypted
Tuned template?	No — auto-detected layout, with full reconciliation still applied
Profit / Murabaha rows?	Extracted as ordinary credits and debits; not relabelled or tax-coded
Is the file uploaded?	No — parsing runs in your browser
Output formats	Excel (.xlsx) and CSV

Ready to try it on a real file? Start at the converter — the first 10 pages are free and no card is required.