ADCB <br/>At-A-Glance

ADCB
At-A-Glance

different_countries

Our staff now represents 57 different countries and speaks a multitude of languages and dialects.

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.

ADCB Strategy

1Generate sustainable profit growth through a UAE centric approach
2Sustainability through liability growth and funding diversification
3Superior customer experience through service excellence
4Effective risk taking and management in line with a predefined risk appetite
5Exploitation of digital for growth and efficiency - leveraging data analytics

Our enablers

  • Attracting and rewarding the best talent with incentives aligned to strategic objectives
  • Agile organisation and innovative culture

Ownership

Ownership_Strategic

FY'17 Key Financial Highlights

AED 265 bn

Total Assets

AED 4.278 bn

Net Profit

15.0%

Return on average equity

19.09%*

Total Capital Adequacy Ratio *Basel III

Market Share and Presence (As at 31 December 2017)

  • 11.1% market share in loans and advances (net)
  • 10.0% market share of customer deposits

Network

UAE

47 Branches
3 Pay offices
358 ATMs

India

2 Branches

Jersey

1 Branch

London & Singapore

Representative offices

Financial Strength

AED 4.9 bn net lender (As at 31 December 2017)

  2017* 20162015 2014 2013
Capital Adequacy ratio 19.09% 18.92% 19.76% 21.03% 21.21%
Tier 1 ratio 15.92% 15.66% 16.29% 17.01% 16.62%
* Basel III

Credit Rating

  S&P Fitch RAM
Long term A A+ AAA
Short term A-1 F1 P1
Outlook Stable Stable Stable

Earnings Highlights

Q4'17 Change %
Income statement highlights (AED mn) Q4'17 Q3'17 Q4'16 QoQ YoY
Total net interest and Islamic financing income 1,718 1,677 1,573 2 9
Non - interest income 592 569 598 4 (1)
Operating income 2,311 2,247 2,171 3 6
Operating expenses (800) (736) (729) 9 10
Operating profit before impairment allowances 1,511 1,511 1,443 0 5
Impairment allowances (441) (418) (437) 6 1
Overseas income tax expense 0 (2) (4) NM NM
Net profit for the period 1,072 1,092 1,004 (2) 7
Net profit attributable to equity shareholders 1,072 1092 1,004 (2) 7

Segmental Review

For the year ended 2017

  Consumer Banking Wholesale Banking Treasury & Investments Property Management
AED mn 2017 2016 2017 2016 2017 2016 2017 2016
Net interest and Islamic financing income 3,108 2,989 1,970 1,911 1,528 1,186 94 115
Non - interest income 973 964 765 668 250 414 206 248
Operating income 4,081 3,953 2,736 2,579 1,778 1,600 300 363
  Consumer Banking Wholesale Banking Treasury & Investments Property Management
AED mn 2017 2016 2017 2016 2017 2016 2017 2016
Segment assets 76,825 73,886 110,022 105,661 77,549 78,147 607 596

2017 Awards

"Best Business Change or Transformation" for Operational Excellence Framework 'SIMPLean'

Gulf Customer Experience Awards

"Innovative Approach to Emiratisation"

for Tamooha by Gulf Customer Experience Awards

"Best Insight and Feedback – Listening to Customers to Create an Impact"

for Customer Experience and Research by Gulf Customer Experience Awards

"Five Star Cash Manager"

Euromoney

"Best Trade Finance Bank in The U.A.E"

Global Finance

"Best Contact Centre in the Region"

for Contact Centre by Gulf Customer Experience Awards

"Best Employee Engagement in Financial Services"

for the Human Resources Team by Gulf Customer Experience Awards

"Best Supply Chain Finance Bank in the Middle East"

Global Finance

"Mohammed Bin Rashid Al Maktoum Business Innovation Award"

The Mohammed Bin Rashid Al Maktoum Business Innovation Awards

"Outstanding Award for Business Innovation"

The Mohammed Bin Rashid Al Maktoum Business Innovation Awards

"Best Trade Bank in the Middle East"

Trade and Forfaiting Review (TFR)

"Best Bank for Transaction Services in the Middle East"

Euromoney Awards for Excellence

"Five Star Trade Finance provider in Middle East"

Euromoney

"3G CSR Award"

by The Global Good Governance Awards "3G Awards"

"Five Star Trade Finance provider in the Region (Middle East)"

Euromoney

"UAE Domestic Trade Finance Bank of the Year Award”

Asian Banking & Finance

"Market Leader' in 2017"

Euromoney

"Debt Capital Markets in UAE"

Euromoney

"APCP- Best Property Management Team - UAE 2017"

The Capital Finance International (CFI)

"The Best Annual Report Category in the Middle East"

The 9th Middle East Investor Relations Association (MEIRA) Awards

"Best Investor Relations Website in the Middle East"

The 9th Middle East Investor Relations Association (MEIRA)

"Islamic Banker of the Year 2017 Award"

Global Islamic Finance Awards (GIFA)

"The Institute for Corporate Governance"

Hawkamah

"Women in Leadership Achievement Award"

for its Tamooha by The 19th Global Women in Leadership Economic Forum

Related

Skyline photo of ADCB building

Board of Directors

Our distinguished Board oversees the Bank's strategic direction, risk management and governance structure.

See More... ADCB executive management meeting

Executive Management

The Banks management team drives performance and execution of our strategies.

See More... ADCB at-a-Glance (PDF)