Emerging Stronger

We came together as one during this unprecedented year — our people, customers and community united in purpose and resilient in spirit, rising to every challenge, and emerging stronger.

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11 months

Full integration completed

in an accelerated timeframe of
less than half the initial target

917 mn

Captured synergies in 2020,

surpassing target and on track
to exceed AED 1 billion in 2021

“ADCB will support the UAE’s strong recovery from the pandemic and serve as a progressive and agile banking institution to underpin the next 50 years of national progress.”


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An acknowledged leader in the UAE banking sector, ADCB creates value through a range of products and services that support more than a million customers.

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411 bn

Total assets


3.809 bn

Net profit



Cost to income ratio1

(2019: 37.0%)

1 Excluding integration-related costs

ADCB is proud to leverage its position as one of the UAE’s major financial institutions to contribute to and promote the national agenda.

By aligning with UAE Vision 2021, ADCB has been an active and vital player in driving the UAE’s progress towards a competitive and knowledge-based economy.

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ADCB stepped up to the mark with a holistic response to the wide-ranging challenges of COVID-19, balancing the provision of vital support for our customers with measures to ensure the Bank’s continued financial resilience.

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Return on average tangible equity

(ROATE %)1

Return on average assets

(ROAA %)1

Basic earnings per share


1 For ROATE/ROAA calculations, net profit attributable to equity shareholders is considered, i.e., net profit after deducting interest expense on Tier 1 capital notes.

We continued to serve our government, corporate and retail customers and support our stakeholders, whilst accelerating our digital transformation.

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