ADIB Private Bank
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Transcript of ADIB Private Bank
Enriching the lives of those you care about
Welcome to ADIB Private Bank
“It is my pleasure to welcome you to the future of Islamic
Private Banking. We understand what families need in terms
of passing wealth from one generation to another. We
become life-long partners with our clients to provide powerful
solutions to protect, manage and grow wealth for generations
to come.”
Stuart Crocker,Global Head of the Private Banking Group
Prosperity through sustained growth
Our achievements in the past three years alone include:
Among our many awards, we have recently won:
• Fastest Growing Bank in the UAE (May 2010, CPI Financial)
• Best Islamic Bank in the Middle East – 2 years in a row (Banker Middle East)
Business Performance
Net Banking RevenuesAED Millions
Operating Profit – BankingAED Millions
Return on Equity(Bank Only)
Number of Branches Number of ATMs Number of Employees
Network and Employees
Service Quality and Customers
Number of Customers Customer Service Qualityranking among UAE banks
Call Center Performanceranking among UAE banks
Customer DepositsAED Millions
Customer FinancingAED Millions
Pro
fit
Reven
ues
Em
plo
yees
ATM
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Bra
nch
es
RoE
Dep
osi
ts
Fin
an
cin
g
Ran
kin
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Ran
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Cu
stom
ers
Ethical• We work for mutual benefit and keep dealings
completely transparent to enable you to make the right choices
• We offer you unique opportunities to invest in ethical products approved by our Shari’a board
• We bring you best-in-class experts and trusted advice
• We regularly inform and educate you about new products, services and latest market trends
Entrepreneurial• We help you select and monitor attractive
investments locally and globally
• We dedicate to you experienced Private Bankers certified according to international standards
• We tailor relevant and powerful solutions to protect, manage and grow your wealth
• We strive to deliver high returns using diligently selected partners
Exclusive• We provide a luxurious banking experience
• We give you access to prestigious and unique lifestyle opportunities
• We offer a broad range of regional and global wealth management solutions and access to an exclusive pool of investment opportunities
Private banking as it should be
Stuart Crocker • Over 25 years of experience in banking
• Formerly CEO of HSBC Private Bank in UAE and Oman for 4 years
• Prior to HSBC, spent 15 years in various leadership positions with
Merrill Lynch in the UAE and UK
Global Head of the Private
Banking Group
Julie AzharianPrivate Banking
• 15 years of experience in
Financial Services
• Formerly Head of Family Office,
Emirates NBD Private Banking
Naveed AhmadFamily Office
• 16 years of experience in
Financial Services
• Formerly Head of Afluent and
Private Banking, Al Rajhi
Islamic Bank
Khaled Al KurdiehADIB Securities
• 17 years of experience in
Financial Services
• Formerly CEO Mashreq
Securities,
Mashreq Group
Hany Hussein, CFAAsset Management
• 18 years of experience in
Financial Services
• Formerly Head of Asset
Management & Product
Development, UNB
Hassan FahmiFinancing Solutions
• 26 years of experience in
Financial Services
• Formerly Head of Trading &
Manufacturing, Corporate
Banking, ADIB
Over 200 years of banking experience at your service
Sandy ShiptonPrivate Office
• Over 25 years of experience in
financial services
• Formerly Executive Director of
Wealth Management at the DIFC
and a member of the DIFC
Executive Management Team
Our clients are at the centre of everything we do
Corporate Finance and Investment
Banking
Treasury
Corporate Banking
WealthManagement
Client
Private Banker
Family Office
Product and Service Offering
Private BankRelationship Management
Private Office Wealth Management
• Portfolio advisory
• Client reporting
• VIP concierge service
• Financing
• Premium VISA cards
• Family office
• Trust services
• Core investment products
• Structured products
• Investment research
• Discretionary portfolio
Management
• Takaful insurance
Our Investment Process
Profile
Plan
AdviseExecute
Review
Portfolio Selection
Conservative Balanced Growth
Alt. Investments
Cash Mgmt.Equities
Fixed Income
Alt. Investments
Cash Mgmt.Equities
Fixed Income
Alt. Investments
Cash Mgmt.Equities
Fixed Income
Product Portfolio
Example of a Growth PortfolioThe customer portfolio should contain asset types
that provide a range of risk-return characteristics.
To categorise the asset types in a simpler way, PBG
offers two types of holdings for its customers:
Core holdings
• Asset classes include equity, fixed income and
cash
• Comparatively more liquid and lower risk
investments
• Delivered through best in class regional direct
equities, Sukuks and Sharia compliant funds
Alternative holdings
• More sophisticated investment products that
have a
higher risk/return profile and are lower on
liquidity
• Include PE funds, Structured Products, RE funds
etc.
IjaraProducts
StructuredProducts
Insurance(Takaful)
Commodities Real Estate
RE Products
Private Equity
Concierge
Private Office
Family Office Vision
Privately held professional entity established to
manage the investments, business affairs and
philanthropic interests of a high net-worth family.
A Family Office will enable you to:
• Implement a strategy
• Effectively diversify, manage and enhance wealth
• Strike a balance between business and family
interests
• Assist with family communication and through a
charter help to unite a family
• Transfer wealth
• Co-ordinate management activity
• Increase financial leverage
• Mitigate against conflicts of interest and
• Enjoy a chosen lifestyle
Private Office
Types of Family Office Structures
No Structure
• Delegated responsibility for central 'family' tasks to
nominated family member (plus private secretary)
• Family serviced by family business employees
Corporate
• Family Office Management company
• Family investment vehicles / Asset holding companies
Trust / Foundation Structure
• Private Trust Company may perform or co-ordinate
services
• WAQF
Pooled Investment Vehicles
• General investment partnership
• Family Limited Partnership
• Investment company with JV / shareholders’ agreement
• Regulated or unregulated Investment Funds
Bringing the world to you
WakalaCASA
MM Fund4
Sukuk Trading
ADIBAsset Management
Mon
ey M
arke
t F
und
s
Suk
uk
Fun
ds
Man
aged
Fun
ds
Man
aged
Fun
ds
Clo
sed
Fun
dsO
ne-o
ff pl
ace
men
tsS
truc
ture
d pr
oduc
ts
Target Product Portfolio
Cash and Deposits Fixed Income Equities Commodities Alternative
GCC
ASPAC / EM
Global
USA
Europe
A life-long partner for you and your Family
Investing with integrity
Creating security for you and your loved ones
Building and preserving wealth for future generations