Ambition +Discipline

Welcome to the
Abu Dhabi Commercial Bank
2013 Annual Report

Scroll down to see our vision…

Sheikh Khalifa bin Zayed Al Nahyan

His Highness
Sheikh Khalifa bin Zayed Al Nahyan

President of the United Arab Emirates
and Ruler of Abu Dhabi
Supreme Commander of the UAE Armed Forces

Sheikh Mohammed bin Zayed Al Nahyan

His Highness
General Sheikh Mohammed bin Zayed Al Nahyan

Crown Prince of Abu Dhabi
Deputy Supreme Commander of the UAE Armed Forces
Chairman of the Abu Dhabi Executive Council

Ambition +

In addition to its financial assets, there are certain intangible qualities that a bank has to have if it really wants to deliver sustainable returns for shareholders and play a valuable role in the lives of its customers.

At ADCB, we believe that few qualities are as important — especially when combined — as ambition and discipline. The way we understand it, ambition is the desire for achievement and the willingness to strive for its attainment. Discipline means responsibility and taking a course of action based on principle and control. At ADCB, we are ambitious for our shareholders and customers. We value the investment and trust of our shareholders and work hard towards achieving sustainable success of our businesses. At the same time, we are disciplined in finding ways where we can add our financial resources and expertise to our customers’ dreams and aspirations so they can become a reality.

We are equally ambitious for ourselves as an organisation. As one of the UAE’s leading banks, ADCB’s competitive standing and reputation stem from our ambition to be the best. The Bank’s financial strength, risk management, governance and performance are directly attributable to a discipline that regularly brings prosperity and safety to our shareholders and customers. Ambition and discipline drove ADCB’s record results for 2013. They frame our optimistic outlook for the future.

Ambition +Vision

Capital Gate Tower, Abu Dhabi

Ambition +

ADCB’s vision is to be the bank of choice in the UAE.

We work hard every day to earn the trust and confidence of our customers, as well as that of the many communities we serve. Our breadth of products and services, combined with our expert advice, financial strength and disciplined risk practices, allows us to offer our clients the best of ADCB in order to meet all of their financial needs. In doing so, ADCB supports the implementation of the goals and objectives of UAE Vision 2021 and Abu Dhabi Economic Vision 2030.

Scroll down to see how we are expanding in the UAE…

Ambition +Trade

Abu Dhabi Ports Company, Abu Dhabi Terminals
Photo Credit: Abu Dhabi Terminals

Ambition +

In December 2013, Abu Dhabi Terminals (ADT) marked an important milestone as the millionth container came ashore at Khalifa Port, one year after the port was officially opened at the end of 2012. ADCB has provided major banking and financial services for Khalifa Port, the region’s first semi-automated and one of the most technologically advanced container terminal, and KIZAD’s* Zone A expansion, a USD 7.2 billion project.

The Khalifa Port Container Terminal is one of the pillars of the government’s plan to grow and diversify the economy as laid out in the Abu Dhabi Economic Vision 2030. Together with the adjacent KIZAD industrial zone, the port is expected to contribute 15% of non-oil GDP, according to Abu Dhabi Ports Company.

* Khalifa Industrial Zone Abu Dhabi

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Ambition +Growth

Romana group manufacturing plant

Ambition +

Small and medium-sized enterprises — SMEs — make strong contributions to economic growth throughout the UAE. Romana Group is ranked as one of the Dubai SME 100 and it produces more than 600,000 bottles of water per day, serving 250,000 customers through 6,000 retail outlets. ADCB has been actively engaged with Romana in its growth plans and provides working capital, trade and heavy-equipment finance, as well as personal financial services for the company’s employees.

Scroll down to see how we refine experience…

Ambition +Hospitality

Park Hyatt Hotel, Abu Dhabi

Ambition +

In Abu Dhabi, the Tourism Development & Investment Company (TDIC) is the organisation mandated by the government to develop the emirate’s tourism industry. TDIC is behind some of Abu Dhabi’s most prestigious projects, including Saadiyat Island. Saadiyat will host premium residential, hospitality, education, retail and leisure brands, combined with the world’s largest concentration of cultural institutions. TDIC’s Park Hyatt Abu Dhabi Hotel, pictured here, is one of the first hospitality venues to be completed on Saadiyat, and in 2013 it was voted “Best Luxury Hideaway Resort” by the renowned World Luxury Hotels Awards organisation. The Bank is one of the principal providers of financial services to TDIC and also serves other companies within the hospitality industry.

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Ambition +Service

ADCB Abu Dhabi Mall Branch

Ambition +

We are in the service business, and our branches are places where we can build and enhance our customer relationships, get to know customers better and help them find ways to achieve their goals. We understand the unique banking needs of ambitious people, and ADCB’s focus on customer relationships takes centre stage in our branches. ADCB is the first UAE bank to offer free banking to its retail banking customers.

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Ambition +Technology

Ambition +

Consumer banking preferences have been increasingly shifting toward mobile and digital channels as technology continues to transform the way financial services are obtained. In this environment, ADCB has designed award-winning online banking and mobile banking solutions to make customers’ 24/7 banking experience convenient and easy. With mobile and personal Internet banking, customers can check balances, transfer money anywhere across the globe, pay bills, and do a lot more with greater efficiency. Over 70% of our customers now access bank services through their smart phones and mobile devices.

Our award-winning Mobile Banking App is available for download in most app stores.

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Ambition +Citizenship

His Highness Sheikh Falah bin Zayed Al Nahyan,
Chairman of the Ghantoot Racing and Polo Club,
leads ADCB to victory at the Pink Polo Championship
in Abu Dhabi.

Ambition +

ADCB provides support to charitable organisations through direct donations and sponsorships, fundraising, volunteerism and other forms of outreach. For the past four years, ADCB has been the proud sponsor of Ghantoot Pink Polo Day, an event dedicated to raising awareness of breast cancer in the UAE. All funds raised at Pink Polo Day go to Pink Caravan, a committee-run campaign that aims to raise funds to continue outreach programmes and support breast cancer awareness.