Abu Dhabi Commercial Bank

What Abu Dhabi Commercial Bank does

Abu Dhabi Commercial Bank PJSC (ADCB) is a UAE-headquartered, publicly-listed commercial bank on the Abu Dhabi Securities Exchange (ADX:ADCB), established in 1985 and operating today as the combined entity of ADCB, Union National Bank, and Al Hilal Bank following the 2019 merger and 2020 full integration. ADCB serves more than 1 million customers across Consumer Banking (Aspire, Privilege, Excellency, Emirati Excellency segments), Corporate & Investment Banking, Treasury & Investments, Property Management, and Islamic Banking (ADCB Islamic, Al Hilal Bank). The product set spans current and savings accounts (Cashback, Super Saver, Goal Savings), credit and debit cards (365 Cashback, TouchPoints, Shukran, Talabat, LuLu co-brands), personal, auto, home and off-plan mortgages, trade finance, cash management, payment solutions, corporate cards, and investment banking, plus brokerage and asset management via ADCB Securities and ADCB Asset Management subsidiaries.

The technology foundation centers on an AI-powered mobile banking application supported by FacePass facial recognition for transaction authentication, Aani instant payments via Al Etihad Payments (P2P, QR, bill split), Cardless Cash Withdrawal, an AI-driven MoneyBuddy financial management tool, and TouchPoints loyalty. A dedicated Chief AI Officer and an AI-Led Transformation Program (October 2025) overlay these consumer capabilities with generative AI, NLP, computer vision, anomaly detection, and process automation. Distribution combines digital channels (mobile, personal internet banking, ADCB Business, ProCash, phone banking) with a physical branch and ATM network across Abu Dhabi, Dubai, Sharjah, and Al Ain, plus ADCB Egypt operations.

Revenue is generated primarily through net interest income on lending (personal, auto, home, mortgages, corporate facilities, sustainable/green financing) and non-interest income from cards, wealth management, trade finance, cash management, brokerage fees, and treasury activities (FX and interest rate derivatives). Pricing is segment-tiered: personal loans from 3.99%, auto loans from 1.49% flat, mortgage rates from 3.49% p.a. fixed for 3 years, fixed deposits up to 4.25% p.a., and cashback cards earning up to 6% on everyday spends. ADCB delivered FY2025 profit before tax of AED 12.843 billion (+21% YoY), Q1 2026 PBT of AED 3.781 billion (+30% YoY, the 19th consecutive quarter of profit growth), total assets of AED 809 billion, cost-to-income ratio of 25.6%, and CET1 of 13.82%, with a December 2025 AED 6.1 billion rights issue funding further organic loan growth.

Name

Abu Dhabi Commercial Bank

Legal name

Abu Dhabi Commercial Bank PJSC

Website

https://www.adcb.com/

Company type

Public

Founded year

1985

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Abu Dhabi Commercial Bank is a publicly-listed UAE commercial bank serving 1M+ retail, corporate, private, and Islamic banking customers through AI-powered mobile channels, branch networks, and treasury, trade finance, and wealth management services.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Retail banking services
• Corporate banking solutions
• Wealth management services
• Islamic banking products
• Trade finance services

Headquarters

HQ city

Abu Dhabi

HQ country

United Arab Emirates

HQ region

Middle East

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Revenue from lending activities including personal loans, home loans, car loans, and corporate lending facilities
2. Non-Interest Income: Fee income from cards, wealth management, trade finance, cash management services, and brokerage
3. Treasury and Investments: Foreign exchange, interest rate and currency derivatives, and investment activities
4. Green Financing: Sustainable finance including green bonds and sustainability-linked loans supporting UAE net zero 2050 goals

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

Abu Dhabi Commercial Bank is a UAE-based full-service commercial bank offering consumer banking (current/savings accounts, credit cards, personal/auto/home loans, mortgages), corporate and investment banking (cash management, trade finance, payment solutions, corporate cards, loans, investment banking), treasury and investments (FX, interest rate and currency derivatives), Islamic banking through ADCB Islamic, wealth management and asset management through ADCB Asset Management, securities brokerage including virtual assets through ADCB Securities, and property management services. The bank serves over 1 million customers through branches, ATMs and digital channels including an AI-powered mobile banking app.

Product overview

ADCB operates as a full-service banking institution offering a comprehensive suite of products across Consumer Banking, Corporate & Investment Banking, Treasury & Investments, and Islamic Banking. The core digital banking platform includes the AI-powered Mobile Banking App and Personal Internet Banking, complemented by business-focused channels (ADCB Business, ProCash) and brokerage services (ADCB Securities). The consumer banking portfolio spans current and savings accounts (Cashback Account, Super Saver, Goal Savings), credit cards (365 Cashback, Shukran, Talabat, LuLu, TouchPoints variants), and loans (personal, auto, home mortgages including Green variants and Off-Plan Mortgage). The Islamic Banking division (ADCB Islamic) offers Sharia-compliant alternatives across all major product categories. Key digital innovations include TouchPoints loyalty program, FacePass facial authentication, Aani instant payments, Cardless Cash Withdrawal, and MoneyBuddy financial management tool. Wealth management services are provided through ADCB Asset Management subsidiary, while ADCB Securities enables international stock, ETF, and virtual asset trading.

Differentiator

Problem solved

Functional benefit

Brands

• ADCB Securities: Full, integrated access to trade through licensed brokerage house offering international trading platform and virtual assets trading
• ADCB Asset Management
• ADCB Egypt
• Al Hilal Bank
• TouchPoints
• ADCB Private
• ADCB Business
• ProCash
• Meedaf

Products and services

• Personal Loans Personal financing for retail customers with preferential rates from 3.99% for frontline heroes, billed on a monthly basis.
• Auto Loans Vehicle financing for individual retail customers at flat rates starting from 1.49%, including a green variant for electric or hybrid vehicles with discounted processing fees.
• Standard Mortgage Loan Home loan with hybrid or variable rate options enabling customers to purchase residential property with flexible repayment structures; rates from 3.49% per annum fixed for three years.
• Off-Plan Mortgage Solution Mortgage financing for properties under construction from leading UAE developers, offering swift pre-approval up to 50% of property value.
• Green Auto Loan Financing for electric or hybrid vehicles with discounted processing fees and preferential interest rates to support reduced carbon footprint.
• Green Home Loan Sharia-compliant home financing offering exclusive benefits for environmentally sustainable properties aligned with environmental values.
• ADCB Cashback Account Current account offering 5% cashback on debit card spends and up to 2% interest per annum on cashback account balance.
• Super Saver Account Savings account offering up to 5.00% interest rate per annum with flexible access to funds.
• Goal Savings Account Savings account earning up to 4.5% interest per annum with automated scheduled contributions to help achieve specific financial goals.
• Fixed Deposit Account Fixed-term deposit account with flexible tenor and interest rates up to 4.25% per annum.
• Instant Tourist Account Digital bank account for tourists enabling non-resident visitors to open accounts and receive debit cards within minutes of arrival using biometric verification.
• 365 Cashback Credit Card Credit card earning up to 6% cashback on everyday spends, up to AED 1,000 monthly cashback and AED 365 welcome bonus.
• ADCB Islamic Banking Sharia-compliant banking division offering Islamic current accounts, savings, deposits, cards, home finance, auto finance and wealth management following Islamic principles.
• ADCB Securities (Brokerage) Licensed brokerage house offering integrated access to trade international stocks, ETFs and virtual assets through an international trading platform.
• ADCB Securities Virtual Assets Trading Platform ADCB Securities platform for trading cryptocurrency, funding digital wallets and holding digital assets.
• ADCB Asset Management Wholly-owned subsidiary providing asset management services including managing assets, advising on investments, arranging deals, custody and arranging credit; registered in Abu Dhabi Global Market.
• Safe Deposit Locker Secure storage service for valuables and important documents available at designated branches with 24-hour security.
• ADCB Business (SME/Corporate Digital Banking) Digital banking platform tailored for businesses, enabling account management, payments and transaction tracking with greater ease for SME and corporate customers.
• ProCash (Corporate Digital Platform) Corporate banking digital channel for managing business finances, payments and cash management operations for larger corporate clients.
• Corporate & Investment Banking Services Comprehensive suite for SME to large corporate clients covering account services, cash management, trade finance, payment solutions, corporate cards, loans, financing and investment banking and financial market solutions.
• Private Banking (ADCB Private) Private banking offering for high-net-worth individuals covering wealth management (asset management, securities brokerage, international execution), lending (corporate-like credit, investment credit, trade and working capital), and everyday banking (accounts, deposits, cards), with lifestyle solutions including rewards and concierge services.
• Green Bond ($650 million) USD 650 million green bond priced in September 2023 to finance eligible green assets, supporting UAE's net zero emissions goal by 2050; the bond was nearly three times oversubscribed.
• TouchPoints Loyalty Program Loyalty rewards program in which customers earn TouchPoints on card spends, when investing or using finance solutions, redeemable for rewards and benefits; can be used as a marketing referral offering up to 450,000 TouchPoints for successful referrals.

Quantifiable outcome

• Record Q1'26 profit before tax of AED 3.781 billion, up 30% YoY, extending growth streak to 19 consecutive quarters
• +5 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability11 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• BinancecoreTechnology or Integration · 4 June 2026Binance launched its fully regulated AED on and off ramp solution in the UAE with direct integration with Abu Dhabi Commercial Bank, processing transactions within the same business day and removing foreign exchange conversion friction. The solution is built under the UAE's Client Money Account framework.
• UAE Central BankflagshipStrategic or Co-development Partner · 1 May 2026UAE Central Bank, in partnership with the Federal Authority for Identity, Citizenship, Customs and Port Security and ADCB, launched the 'Tourist Identity' initiative enabling non-resident visitors to open digital bank accounts instantly using biometric verification through ADCB's mobile app.
• UAE GovernmentflagshipStrategic or Co-development Partner · 6 September 2023ADCB priced a $650 million green bond to finance eligible green assets, supporting the UAE's goal of net zero emissions by 2050. ADCB has committed to providing AED 35 billion ($9.5 billion) in green financing by 2030.

Scale indicators10 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Dubai Islamic Bank: Largest Islamic bank in the UAE by assets. Comparable to ADCB Islamic Banking and competes in similar retail, corporate, and treasury Islamic finance segments across the UAE.
• Mashreqbank: Major UAE bank providing corporate, retail, and investment banking. Competes with ADCB in similar segments and was a fellow participant in the Mashreqbank $500M AT1 bond offering where ADCB served as bookrunner.
• First Abu Dhabi Bank: Largest bank in the UAE formed through the merger of FGB and NBAD. Directly competes with ADCB across corporate, investment, and retail banking in Abu Dhabi and the broader UAE market with similar full-service offerings.
• Commercial Bank of Dubai: UAE-headquartered commercial bank offering corporate, retail, and treasury services. Competes with ADCB across similar business segments and customer profiles in the UAE banking market.
• Abu Dhabi Islamic Bank: Leading Islamic bank headquartered in Abu Dhabi. Direct competitor to ADCB Islamic Banking with overlapping Shari'ah-compliant product offerings across retail, corporate, and investment banking in the UAE market.
• Emirates NBD: Leading UAE banking group headquartered in Dubai. Direct competitor to ADCB in retail, corporate, and Islamic banking (via Emirates Islamic), with comparable digital innovation programs and similar customer segments.

Regional players

• RAKBank: UAE-based bank focused on retail and SME banking. Competes with ADCB in UAE retail segments including personal loans, credit cards, and mortgages, though with a smaller corporate banking presence.
• Sharjah Islamic Bank: UAE-based Islamic bank headquartered in Sharjah. Competes with ADCB Islamic Banking in the Northern Emirates for Shari'ah-compliant retail and corporate banking services, though at a smaller scale.
• National Bank of Kuwait: Leading GCC banking group with presence across the Middle East. Comparable full-service banking model and participates alongside ADCB in regional syndications; competes for cross-border GCC corporate financings.
• Qatar National Bank: Largest bank in the Middle East and Africa by assets. Regional peer with comparable full-service banking model that has expanded into UAE through acquisitions (e.g., Finansbank Turkey), competing for large regional corporate deals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/OfficialADCB
• Facebookfacebook.com/ADCBOfficial
• LinkedInLinkedIn.com/company/adcbofficial
• Instagraminstagram.com/ADCB

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries5 records

Funding overview

Funding rounds5 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments30 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Abu Dhabi Commercial Bank