About ADCB

Abu Dhabi Commercial Bank (ADCB) was formed in 1985 as a public shareholding company with limited liability, In 2003 ADCB challenged itself to rebuild its foundations, with the aim of becoming the UAE's leading financial institution. The Bank's motivation to be the best has led ADCB to evolve in order to meet the changing environment, and structure the entire bank to deliver service excellence to its clients.

Throughout 2004, ADCB has been driven by a passion to be one of the most modern, dynamic and customer focused Banks in the UAE and is well on the way to becoming the UAE's leading financial institution and to set the standard within the banking industry. The Bank's main ambition is for each customer to walk away with an unrivalled banking experience. Innovative, customised products, dedicated service and outstanding financial performance make up the fundamentals of future success.

As a reflection of the Bank's commitment to change, ADCB embraced a new brand identity in recognition of the growing and diversified demands of both personal and business customers. The new brand image is now fundamental to what the Bank represents and to the direction it wants to take in the future.

With every change that occurs at ADCB, a new stride forward is made towards accomplishing its plan. Investing in both technology and people is a primary focus in the process of re-energising the bank. The commitment at the highest level to the restructuring programme is a clear reflection of the Board's unwavering commitment to each and every customer and staff member.

ADCB continues to implement new ideas and it is through a continued investment in deeper relationships extended to a broader client base that will position it strongly to create a robust, more diversified business, linked to a wider range of products and services.

As part of its strategy moving forward, ADCB are actively increasing the number of local nationals employed by the bank. Its Emiratisation policy has resulted in a steady flow of talent into the bank at senior and middle management levels, creating a valuable resource for the challenges of the forthcoming years.

An unwavering commitment for social responsibility drives many of ADCB's initiatives. From sponsorships of local sports clubs to wholehearted participation in charitable drives, ADCB serves as an integral part of the community.

With a large portion of its customers utilising ADCB's branch space, the Bank has set on a path of upgrading and refurbishing the branch network and delivering innovative, customer centric projects like Kiosks in key locations such as Abu Dhabi Mall.

The sustained momentum that ADCB has gathered through 2004 will no doubt provide the push needed to forge ahead in the years to come and it is by knowing and understanding what customers really want and need that ADCB is confident it will reach its goal of becoming one of the UAE's most modern and service orientated banks in the UAE.

Abu Dhabi Commercial Bank - ADCB is a diversified full service bank. Other than banking services that span corporate, retail and commercial banking ADCB is active in the areas of treasury derivatives, infrastructure finance, private banking and wealth management. 

Since 1985 ADCB has reported successive years of record profits and consistent growth. Our approach is driven by the ability to create value for our customers by leveraging our skills and expertise. Amongst UAE banks, ADCB has the second largest deposit base with total assets as at 30/09/2005 of AED 50.4 billion and FY05 first nine months net profit of AED 1,425million.  

Our strong franchise, supported by a network of 40 UAE branches and 2 in India is reflected in our recent rating of Aa3, which is the highest awarded to a bank instrument in the Middle East. 

The Government of Abu Dhabi, through Abu Dhabi Investment Authority (ADIA), holds 65% of the capital while the rest is held by various UAE Institutions and Nationals. ADCB's market capitalization as of 30/09/2005 was AED 59 Billion (US$16.1 Billion).