Reimagined future. Delivered every day.

The UAE has a confident, forward-looking spirit and is pressing ahead with a programme of economic and social reforms that make it one of the best places in the world to do business.

40 bn

New credit (AED)

extended in 2021

244 bn

Net loans (AED)

+2% YoY

Our theme of ‘Reimagined future. Delivered every day.’ reflects the many ways ADCB Group is harnessing technology to play a central role in this rapid progress, providing a wide range of products, services and support to corporates, SMEs and individuals. Our collective purpose is to contribute to the transformation of the UAE, improving lives for individuals and businesses by building better connections in our communities.

Reimagined possibilities.
Delivered every day.

ADCB is consistent in its support for customers, whether in the face of challenges or the pursuit of opportunity. Through the global pandemic, we stood with those who were impacted economically, bringing practical solutions and continuous engagement to provide a clear route to recovery.

The Bank is investing significantly in digital services and ecosystems to bring new banking and lifestyle experiences directly to retail customers. We are also leveraging our strong balance sheet and expertise to step up lending to major corporates and drive successful capital markets transactions, while financing SME growth and enabling micro-businesses to transition to an increasingly cashless economy.

  1. Apple Store and Google Play Store ratings for ADCB Hayyak and ADCB Mobile Banking
Mobile Banking stats graphic.

Reimagined connections. Delivered every day.

Accelerated digital transformation underpins our commitment to service excellence and closer customer engagement. We have launched more than 90 new digital service enhancements, and more than 850,000 individual customers are now subscribed to our mobile app.

Our corporate clients are making the most of our digital platforms to facilitate trade finance and cash management, resulting in significant savings and efficiencies. With the addition of WhatsApp banking, we have added another channel for customers to connect with us in real time, while our social media platforms have become key channels for greater interaction.

A woman using Twitter along the water, as a graphic of the tweet displays above.

Reimagined workplace. Delivered every day.





Emirati employees

at Al Hilal Bank


of total employees

are UAE nationals at ADCB



represented within the bank

ADCB ranks in the top decile among major global companies on organisational health, with our culture enriched by an employee base that includes over 80 nationalities. We are attracting increasing numbers of talented UAE nationals through a comprehensive training and development programme, with 477 Emiratis recruited in 2021, bringing the total to 1,854.

The Bank also scores highly on gender diversity, with women comprising 44% of employees in the Group. We have enhanced our training curriculum, helping our people develop their personal and professional skills to drive our collective success in a fast-evolving banking and economic landscape.

Reimagined engagement. Delivered every day.

ADCB’s growth and development as a major UAE financial institution is oriented by the country’s path of socio-economic development, and we ensure that our interests are closely aligned with the communities and stakeholders we serve.

Four people are talking near a window, as a graphic of stats display above.

We are embedding a robust ESG framework into our strategy to drive impact and create lasting value, while contributing to the UAE’s Net-Zero by 2050 strategic initiative. We are designing products and services to promote financial inclusion, including underbanked segments of the population, SMEs and microbusinesses. This is reinforced by ethical banking practices across the organisation, in line with the highest standards of consumer protection.

A man rides a bike along the water, as a graphic of Sustainability Ratings displays above.

Reimagined strategy. Delivered every day.

Driven by an ambitious five-year strategy, ADCB produced a strong operating and financial performance in 2021. We expanded and rebalanced our loan portfolio, increased fee income, exceeded our cost synergy target and accelerated digital transformation—generating greater efficiencies and an enhanced customer experience.

Our major subsidiaries, Al Hilal Bank and ADCB Egypt, also made substantial progress towards becoming important engines of growth for the Group. Our digital transformation programme is progressing well—driving customer acquisition and high levels of engagement—and remains at the core of our strategy to gain further market share.

ADCB building with an overlaying graphic of Share Price Performance.
UAE architecture.
  • Our ambition is empowered by imagination.

    Every day, our disciplined, performance-driven culture brings us closer to realising our ambition.