ADCB <br/>At-A-Glance

ADCB
At-A-Glance

different_countries

Our staff now represents 57 different countries and speaks a multitude of languages and dialects.

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.

ADCB Strategy

1Growth through a UAE-centric approach and controlled internationalisation
2Sustainability through liability growth
3Maintaining a culture of service excellence and efficiency
4Managing ADCB's risks in line with a predefined risk strategy
5Attracting, developing and retaining the best talent with incentives aligned with the strategic objectives

Ownership

Ownership_Strategic

FY'16 Key Financial Highlights

AED 258 bn

Total Assets

AED 4.157bn

Net Profit

15.70%

Return on average equity

18.92%

Total Capital Adequacy Ratio

Market Share and Presence

  • 10.8% market share in loans (gross) and 9.9% market share of deposits
  • Serving over 761,500 retail clients and approximately 57,700 wholesale clients

Network

UAE

48 Branches
3 Pay offices
331 ATMs

India

2 Branches

Jersey

1 Branch

London & Singapore

Representative offices

Financial Strength

AED 22 bn net lender (As at 31 December 2016)

  20162015 2014 2013 2012
Capital Adequacy ratio 18.92% 19.76% 21.03% 21.21% 23.05%
Tier 1 ratio 15.66% 16.29% 17.01% 16.62% 17.47%

Credit Rating

  S&P Fitch RAM
Long term A A+ AAA
Short term A-1 F1 P1
Outlook Stable Stable Stable

Earnings Highlights

Q4'16 Change %
Income statement highlights (AED mn) Q4'16 Q3'16 Q4'15 QoQ YoY
Total net interest and Islamic financing income 1,573 1,528 1,476 3 7
Non - interest income 598 541 539 10 11
Operating income 2,171 2,070 2,016 5 8
Operating expenses (729) (663) (715) 10 2
Operating profit before impairment allowances 1,443 1,406 1,301 3 11
Net impairment allowances (437) (380) (110) 15 296
Overseas income tax expense (4) (22) (1) NA NA
Net profit for the period 1,004 1,006 1,191 0 (16)
Net profit attributable to equity shareholders 1,004 999 1,190 1 (16)

Segmental Review

For the year ended 2016

  Consumer Banking Wholesale Banking Treasury & Investments Property Management
AED mn 2016 2015 2016 2015 2016 2015 2016 2015
Net interest and Islamic financing income 2,989 2,855 1,911 1,819 1,186 1,434 115 97
Non - interest income 964 893 668 676 414 262 248 223
Operating income 3,953 3,749 2,579 2,496 1,600 1,696 363 320
  Consumer Banking Wholesale Banking Treasury & Investments Property Management
AED mn 2016 2015 2016 2015 2016 2015 2016 2015
Segment assets 73,837 69,845 105,707 94,302 78,150 63,466 596 654

2016 Awards

"Best Bank for Liquidity Management in the Middle East"

Global Finance

"Best Property Management Team - UAE"

for ADCP by Capital Finance International (CFI)

"Best Transaction Service Bank in the Middle East"

Euromoney

"Islamic Bank of the Year"

Sharia Compliant Window by The Banker Magazine

"Best Managed Bank in the UAE"

Asian Banker

"Best Bank for Cash management in the UAE"

Global Finance

"Best Retail Bank in the UAE"

Asian Banker

"Islamic Banker of the Year"

The Asset Triple A Islamic Finance Awards

"The Asian Banker CEO Leadership Achievement Award for the UAE

Asian Banker

"Best Cash Manager in the UAE"

Euromoney Cash Management Survey

"SME Bank of The Year” and “UAE Domestic Technology & Operations Bank of the Year"

Asian Banking and Finance

"UAE Domestic Trade Finance Bank of the Year"

Asian Banking and Finance's Wholesale Banking Awards

"Banking & Finance Implementation of the Year"

ACN Arab Tech Awards

"Retail Innovation of the Year" for (ADCB VoicePass)

Asian Banking and Finance

"Best Investor Relations Website in the Middle East"

Middle East Investor Relations Association (MEIRA)

"Best Annual Report in the Middle East and South Asia”

ARC Awards International 2016 AWARDS

“Best Non-Traditional Annual Report"

ARC Awards International 2016 AWARDS

"Five Star Cash Manager"

Euromoney

Related

Board of Directors

Board of Directors

Our distinguished Board oversees the Bank's strategic direction, risk management and governance structure.

See More... Executive Management

Executive Management

The Banks management team drives performance and execution of our strategies.

See More... ADCB at-a-Glance (PDF)