"ADCB treats its customers and clients with respect. That's how you win."
Aysha Al Hallami
The Board gives clear direction to management on risk appetite.
We believe the way to maximise shareholder value over the long term is to maintain a very healthy balance sheet. The Bank's balance sheet has to be clean, with no toxic assets.
Mohamed Sultan Ghannoum Al Hameli
The overarching argument here is risk management. We are focused on making ADCB strong and resilient, to be the last bank standing if need be. That is why our strategy emphasises governance and risk management — having a prudent appetite for risk. The pressure that management receives from the Board is around being a healthy bank.
ADCB has always been transparent, with shareholders and within the Bank. We have built a high degree of trust between the Board and management. There is great alignment, as well as good chemistry.
Mohamed Ali Al Dhaheri
ADCB has been a leader in the region in adopting best practices in corporate governance from across the world, whatever is applicable to this region. Having the proper risk governance incorporated within different segments within the Bank will help the Bank succeed.
Aysha Al Hallami
We have defined roles and responsibilities of each team and unit within the Bank, each function. Everyone knows what to do, what are his or her limits. At the same time, we still have great collaboration and interaction between teams, and a culture focused on disciplined execution.
Sir Gerry Grimstone
I am a great believer in corporate governance. I have spent over 30 years of my life in financial services, working in London, New York and Asia. I have served on many boards, and worked with many boards. What I have learned from that experience, is that banks and financial service companies which have good governance actually are better, safer organisations. They produce better returns for their shareholders. I do not see corporate governance as an add-on.
Governance at ADCB stands comparison with any bank in the world. That is a real achievement, and a credit to the Board and management. It is also a credit to the UAE, that it can have a bank here which is one of the global leaders of corporate governance.
I find it a great privilege to advise the Board of ADCB, and whilst I believe that I help in some ways, I have also learned a great deal from watching how ADCB operates.
Mohamed Sultan Ghannoum Al Hameli
Going forward, we will continue to focus on the Bank's proven strategy. We believe that ADCB will continue to win market share and deliver value to the shareholders.