AdIB is established by diversified groups of shareholders, Cooperatives, Micro Finance Institutions (MFIs), Iddirs, other business organizations and individual citizens. The major shareholders of the Bank are Cooperatives and their members. The Cooperatives are mainly engaged in the provision of financial services, export business, manufacturing and services.The members of the major shareholders are mainly low and middle income citizens. The Micro Finance Institutions also address the financial needs of the "Unbanked" citizens. AdIB endeavours to be an inclusive Bank that addresses the financial needs of different income groups in the country. It has the plan to penetrate the huge market that host low and middle income people through Cooperatives and Micro Finance Institutions. AdIB will expand its operating by opening new branches at market centers within and outside Addis.