Case Study: National Bank of Abu Dhabi achieves sub‑2‑day SMB loan turnaround and faster policy changes with Ultimus Composed Process Solutions

Automation of SMB Lending Facilitates Cross-Selling, Reduces Turnaround Time, and Speeds Up Policy Change

National Bank of Abu Dhabi (NBAD), the largest bank in Abu Dhabi and the second-largest lender in the UAE, set out to grow its SMB lending by uniting Asset-backed Loans, Point-of-Sale Loans, Business Loans and Commercial Credit Cards under a single "Program Lending" umbrella. The bank needed fast yet prudent approvals, seamless cross-selling across products with different rules, rapid adaptation to regulatory and competitive change, and improved employee productivity—requirements its existing automation tools could not satisfy.

NBAD implemented Ultimus Composed Process Solutions (CPS), a platform that composes applications from a library of reusable, pre-integrated digital assets to accelerate delivery, reduce redundant data entry, and provide a uniform onboarding interface across channels. The solution was deployed in under four months (vs. more than a year previously), cut loan turnaround from 10–12 days to under 2 days, improved customer and employee experience, and enabled rapid policy and rule changes without lengthy change-management cycles.

National Bank of Abu Dhabi