ADCB Group Business Model
Our longstanding and successful business model is designed to capture the opportunities that allow us to create sustainable value for all stakeholders.
OUR BUSINESS MODEL
Leadership
An experienced Board supported by a highly skilled senior leadership team.
Employees
We have highly-skilled employees from 82 nations, united by shared values and an agile culture.
1,479 of our workforce are UAE Nationals.
Brand
A leading UAE bank with a growing customer base and an unrivaled reputation.
Expertise
An in-depth knowledge of the UAE market and economy to help customers realise their ambitions.
Strength
A resilient bank, with more than AED 405 billion in total assets, robust liquidity, and top Tier international ratings.
Innovation
Digital technological strength and capability for an outstanding customer experience.
OUR VALUE CREATION
Employees
Fulfilling careers, competitive benefits and rewards with professional development.
Customers
Protecting and growing the wealth of more than a million customers, from individuals, SMEs and large corporates through to GREs and the government.
Society
We play a supporting role in the socio-economic development of the country. Guided by the vision of the UAE leadership, the Bank is fully committed to initiatives that create a diversified, sustainable economy.
Investors
Delivering robust returns and long-term sustainable value. In 2019, the Bank reported AED 5.244 billion pro forma net profit with a return on average tangible equity of 11.2%.
Regulators/Government
Engaging with relevant authorities to support a responsible regulatory framework.
Partners
Partnering with numerous suppliers, providing them with new business opportunities and timely payments.
WHAT WE DELIVER
Banking products and services for a diverse customer base through our four business segments:
- Wholesale Banking Group
- Consumer Banking Group
- Treasury and Investments Group
- Property Management
