2019 Annual Report

ADCB follows a UAE-centric growth strategy, making a significant contribution to the economy and the communities we serve. Our best-in-class customer service and strong digital offerings help to propel us toward our goal, to be the number-one bank of choice in the UAE.

BUSINESS FUNCTIONS

Consumer Banking Group
We support our retail and high-net-worth customers with a range of specialist products and services in conventional and Shari’ah-compliant banking.

Wholesale Banking Group
Our portfolio of services includes business banking, cash management, trade finance, corporate finance, investment banking, Islamic financing, infrastructure and asset finance for clients that range from government-related entities (GREs) to financial institutions, large corporates, mid-sized corporates and small-to-medium-sized enterprises (SMEs).

Treasury & Investments Group
We provide central treasury operations, management of the Group’s investment portfolio and interest rate, currency and commodity derivative portfolio and Islamic financing. We undertake the Group’s funding and centralised risk management activities through borrowings, issue of debt securities and use of derivatives for risk management.

Property Management
Our Property Management business comprises the real estate management and engineering service operations of our subsidiaries, Abu Dhabi Commercial Properties LLC and Abu Dhabi Commercial Engineering Services LLC.

SUPPORT FUNCTIONS

Group Business Services
Our support and enablement service teams power the technology, operational processes, infrastructure and expertise that provides the secure and efficient environment on which our businesses depend.

Human Resources
We engage our staff by facilitating a high-performing culture through our values and passion for customer service excellence. We also provide a range of training opportunities to develop the skills required to support our growing business.