The Difference Is…


Ambition + Discipline

The Difference Is...

Strength + Stability

ADCB is a bank you can count on today and for the future. Our strong foundation positions us well for changing market dynamics.

At ADCB, it is our mission to make a difference. This is true whether we are offering customers a better way to bank, investing in our region and communities, delivering strong performance and long-term value for shareholders, or advancing our employees’ development.

We make a difference by effectively executing strategies that are steady and consistent, and yet agile and responsive to new opportunities and challenges. World-class financial solutions are delivered with a deep commitment to local needs. We offer the latest innovations whilst also maintaining and emphasising long-standing values and traditions. Our businesses strive for dynamic growth balanced by sound risk management practices.

When consumers and businesses improve their financial standing, the UAE continues to grow and thrive, and all our stakeholders have a bank they can rely upon — that’s the ADCB Difference.

The Difference Is...

Ambition + Discipline

ADCB’s ambition is to create the most valuable bank in the UAE. Our discipline will get us there.We are guided by a consistent set of proven strategies that deliver sustainable growth: a UAE-centric approach, a stable liability structure, a culture of service excellence, diligent risk management and talented staff.

The Difference Is...

Customer-first Culture

ADCB’s culture places the needs of our customers at the centre of everything we do. Over 5,000 employees, representing 70 nationalities, share a single goal: to be a trusted partner for our customers along their financial journeys.

The Difference Is...

Financial Strength

The strength to perform and grow in a sustainable manner — across a range of economic scenarios — is a product of our carefully honed strategy. With assets of AED 228 bn, ADCB is amongst the leading banks in the UAE. We delivered a superior return on average equity of 20.3% in 2015, and had a strong capital adequacy ratio of 19.76% as at 31 December 2015. Over the past five years, we have delivered 24% growth in total assets, 36% growth in operating income and a 290% total return for shareholders.

In the pages that follow, we discuss the source of our financial strength and the elements of our strategic vision for sustainable growth.

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