Abu Dhabi Commercial Bank was formed through the strategic merger of Emirates Commercial Bank, Federal Commercial Bank and Khaleej Commercial Bank. With the support of the Abu Dhabi Government, the bank began its journey as a trusted national institution.

ADCB became a publicly listed company in 1986. Over the following years, the bank expanded its branch network, introduced ATMs, and strengthened core services, laying the operational foundation for long-term growth.

ADCB expanded its national footprint with over 35 branches by 2000, becoming one of the largest networks in the UAE. Committed to customer convenience, the bank began exploring electronic services, positioning itself as a pioneer in modern, customer-focused banking.

ADCB became one of the first local banks to list on the Abu Dhabi Securities Market, reinforcing its commitment to transparency and long-term growth.

ADCB launched a refreshed brand identity, reinforcing its modern positioning. The bank also introduced a 24/7 Contact Centre offering balance inquiries, bill payments, and fund transfers. This marked a bold step in enhancing customer convenience and accessibility.

ADCB introduced TouchPoints, the UAE’s first bank-wide loyalty programme, and launched the country’s first contactless credit card using MasterCard PayPass™. These market-firsts reinforced ADCB’s position at the forefront of customer experience and payment innovation.

ADCB launched its bold new brand campaign, ‘Long Live Ambition’, a statement of confidence, progress and belief in what’s possible.

ADCB launched its Islamic Banking division, Meethaq, offering Shari’ah-compliant products backed by an independent Shari’ah board.

ADCB introduced Excellency, a dedicated wealth management platform for high-net-worth clients, and issued the GCC’s first US$1 billion global bond setting new regional standards in transparency.

ADCB acquired the UAE operations of the Royal Bank of Scotland, including its retail, wealth and SME businesses. This strategic move expanded ADCB’s customer base and enhanced service delivery across key segments.

ADCB launched its first ADCB Mobile Banking App, enabling customers to access accounts and complete transactions on iPhone and Android devices, marking the beginning of ADCB’s mobile-first approach.

ADCB introduced a new brand identity, reflecting the bank’s values of ambition, innovation, and cultural heritage.

ADCB launched its new ‘Tamooha’ initiative, encouraging the involvement of Emirati women in banking by offering flexible opportunities that suit their lifestyle, including roles from home, nearby branches, or a dedicated women-only centre in Al Ain.

ADCB launched ADCB Private, offering bespoke wealth management for high-net-worth clients, delivering personalised solutions in line with evolving customer needs.

ADCB launched uBank, a fully digital, paperless banking centre that enhanced customer convenience through self-service kiosks and instant account opening.

Abu Dhabi Commercial Bank (ADCB) merged with Union National Bank (UNB), and the combined entity acquired Al Hilal Bank, strengthening the bank’s position as one of the largest banking groups in the UAE.

ADCB launched Hayyak, a paperless account opening app that allows customers to open an account and receive their debit card and chequebook without visiting a branch. Hayyak offers a fast, secure, and fully digital onboarding experience.

ADCB completed the full integration of Union National Bank and Al Hilal Bank ahead of schedule, unifying 72 branches and 450+ ATMs across the UAE. The bank also expanded its presence in Egypt, rebranding UNB Egypt as ADCB Egypt.

ADCB advanced its five-year growth strategy by expanding government lending and accelerating its digital transformation in response to COVID-19. The bank introduced new digital services including WhatsApp Banking.

ADCB issued its first $500 million green bond to support environmental initiatives, achieving top ESG rankings across the GCC. The Group also launched Al Hilal Digital, a fully Shari’ah-compliant Islamic digital bank, reflecting strong growth across Islamic banking.

ADCB announces the strategic expansion into the Kingdom of Saudi Arabia and establishment of a corporate banking hub in Kazakhstan, to support corporate clients across key economic corridors.

ADCB was recognised as the highest-ranked bank in the UAE and placed second across all sectors in KPMG’s UAE Customer Experience Excellence Report.

ADCB achieved full Emiratisation across all Al Ain branches and was recognised with the Nafis Award for Best Emiratisation in the banking sector.

ADCB launched a five-year strategy targeting ê 20 billion in net profit, doubling its performance and laying the groundwork for sustainable, long-term growth.

ADCB was included in the FTSE Good4Series Index, ranking above global financial industry averages and reinforcing its position as a sustainability leader.

ADCB launched Meedaf, a pioneering platform designed to transform financial operations for banks and institutions across the GCC through innovation and collaboration.

ADCB was named the strongest banking brand in the UAE, according to Brand Finance Journal, reflecting its rising brand value and continued trust among customers.

ADCB surpassed ê 100 billion in market capitalisation for the first time, driven by strong earnings, sustained operational performance and investor confidence.