Abu Dhabi Commercial Bank

Abu
Dhabi Commercial Bank (ADCB) is a commercial bank based in Abu Dhabi, UAE, established in 1985 through the merger of Emirates Commercial Bank, Federal Commercial Bank and Khaleej Commercial Bank. The bank is a publicly traded company and the Abu Dhabi government holds 65% of the shares through the Abu Dhabi Investment Authority (ADIA), with the remainder held by other institutions and individuals. ADCB occupies an important position in the UAE banking industry, with some of the highest asset size and market capitalization.

Scope of
ServicesADCB mainly serves the UAE market, with an extensive network of offline outlets and ATM distribution, covering all major cities in the UAE. In addition, the bank provides cross-border financial services through an international banking network to support global trade and investment operations.

Regulation &
ComplianceADCB is regulated by the Central Bank of the UAE and follows international banking standards. As one of the major banks in the UAE, it participates in a local deposit insurance scheme that ensures the safety of customer funds. In recent years, ADCB has performed well in terms of compliance and has not recorded significant breaches.

Financial
HealthADCB's financial performance was solid, with a significant increase in net profit in 2023. Key metrics include:

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capital adequacy ratio: Basel III compliant, core capital adequacy ratio remains high.

• non-performing loan ratio: maintained at a low level in the industry, indicating strong risk management capabilities.

• Liquidity Coverage Ratio: Above regulatory requirements to ensure short-term solvency.

Deposit & Loan products<

list of common expenses

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Account Management Fee: Some accounts charge a monthly fee, but it is waived for high-end customers.

• transfer fee: Domestic transfer fee is low, and cross-border remittance fee varies depending on the route.

• ATM interbank withdrawal fee: Free in partner networks, non-partner ATMs charge a fee.

• Hidden Fee Reminder: Some accounts have a minimum balance requirement, and failure to meet the requirements may incur additional fees.

digital service experienceADCB's
mobile banking app has a high rating on the App Store and Google Play, and its core features include:

• face recognition login

• real-time transfer and bill management

• investment tool integration

• AI customer service and
  robo-advisorsIn addition, ADCB supports open banking APIs to facilitate third-party fintech integration.

customer service quality<

safeguards

• Security of funds: Protected by the UAE Deposit Insurance Scheme, with real-time transaction monitoring anti-fraud technology.

• Data security: Passed international information security certification, and no major data breaches were reported.

featured services and differentiation<

market position and accoladesADCB
is one of the leading commercial banks in the UAE, having won accolades such as "Best Digital Bank", "Best Retail Bank", etc., and maintain a stable position in the global bank rankings.