Abu Dhabi Commercial Bank

Abu Dhabi Commercial Bank (ADCB) was established in 1985 through the merger of three banks: Emirates Commercial Bank, Federal Commercial Bank, and Khaleej Commercial Bank.

This consolidation created one of the UAE’s largest banking institutions, designed to serve the growing financial needs of the Abu Dhabi region and wider UAE market. ADCB is publicly listed on the Abu Dhabi Securities Exchange and is recognized as the third-largest bank in the UAE by balance sheet size.

The Government of Abu Dhabi, through the Abu Dhabi Investment Council, holds the majority stake in the bank, with the remainder owned by various institutions and individual investors.

Over the years, ADCB has developed into a full-service commercial bank offering a broad spectrum of financial services, including retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, derivatives, project finance, and Islamic banking products.

The bank operates an extensive network of branches and ATMs across the UAE, providing services to over one million customers. It also maintains a presence in international markets with branches and representative offices in locations such as Jersey, Singapore, and London, although some of these international offices were closed in recent years.

A significant milestone in ADCB’s history was the 2019 announcement and subsequent completion of a merger with Union National Bank and the acquisition of Al Hilal Bank. This strategic consolidation created one of the largest banking groups in the UAE, enhancing the bank's competitive edge and service offering while enabling the Islamic banking operations of Al Hilal to continue as a standalone entity.

ADCB’s expanded group serves a wide range of retail and corporate clients, focusing on innovation, customer-centric services, and commitment to sustainable banking practices aligned with UAE’s development goals.

ADCB has garnered recognition for its financial stability, robust governance, and progressive approach to banking with investments in digital transformation and customer experience enhancements.

The bank emphasizes its role in supporting local economic development and diversification, solidifying its reputation as a trusted financial partner across the UAE. Its leadership, guided by an experienced board and executive team, continues to drive growth and foster long-term value for stakeholders in the rapidly evolving banking sector.