7/27/2019 Adcb and Nabd
1/17
1
1
Name: ADCB
History:
ADCB is 65 percent owned by the state-controlled Abu Dhabi Investment Council, andIT is third-biggest bank by assets in UAE.
the bank changed its name to Abu Dhabi commercial bank after merging with Emiratescommercial bank and federal commercial bank on 1985.
The bank is public shareholding company with limited liability they have 33 branchacross UAE in addition two branches in India and an offshore banking unit in the
Cayman islands.
Branches:
There are 6 branches in Al Ain:
Branch Address Contact Numbers Working Ho Services
Al Wagan
Branch
Al Wagan
P.O.Box: 21879
T: +971 3
7351444
F: +971 3
7351799
8AM to
2PM
ATM
Al Yahar
Branch
Al Yahar Area
P.O.Box: 81084
T: +971 3
7814000
F: +971 3
7826600
8AM to
2PM
ATM
Bawadi Mall
Branch
Bawadi Mall
P.O.Box: 87532
T: +971 3
7028982F: +971 2
6109856
10AM to
10PM Sat-Thu, 2PM
to 10PM Fri
ATM
Industrial Al Ain- Industrial
Area
T: +971 3
7210009
8AM to ATM
7/27/2019 Adcb and Nabd
2/17
2
2
Area
branch
P.O.Box: 24699 F: +971 2
6109819
3PM
Khalifa
Branch
Khalifa Street
P.O.Box: 1280
T: +971 3
7669999
F: +971 2
6109739
8AM to
3PM
ATM
Main Branch Sanaya Road
P.O.Box: 15180
T: +971 3
7550000
F: +971 2
6109775
8AM to
3PM
ATM
Activity Scope :
Adcb participates in Sharjah National career Exhibition 2011 ADCB today annouced itsparticipate career Exhibition 2011, which is taking place from 23rd-25th Feb center in
sharjah, where many uae nationals will be visiting the showroom opportunities available
in finanical and banking sector. ADCB and du partner once again to offer SMEs cutting-edge product services The
partnership offers SME clients the latest smart phone, the IPhone when they open an
ADCB business Edge current account whilst also new award-winning business super plan
from du.
ADCB signs MOU( Memrandum of understanding) with Marriage Fund Adcb is proud topartner with the Marriage Fund. This cooperation comes to serve the community.The
7/27/2019 Adcb and Nabd
3/17
3
3
Mou covers various aspects to supporting the funds marketing and health campaigns
and group weddings initiated by the fund.
Vision and Mission :
Mission
To build a partnership with our customers that lasts a lifetime by
1. treating every customer as an individual .
2. offering innovative products and unparalleled service.
3. never forgetting that our customer has a choice .
Our Vision
To be the number one bank of choice in the UAE. A constantly innovating, financially successful
organization of the highest integrity, respected by our customers, by our competitors and by the
community.
culture
7/27/2019 Adcb and Nabd
4/17
4
4
Dealing with people is like digging gold .To get an ounce of it, one may need to Separatetons of dirt.
Looking for positive result does not mean over looking defects .Negative individualsalways Criticize. part of building a positive attitude, a practice of Do it now habit is
essential. An Organization should make the best now and utilize the present to the
fullest . Never leave for Tomorrow which one can do today. Education does not mean what can get from college. A person can and will be successful
with or Without education if he/she has a character commitment, conviction, courtesy and
courage.
Attitude starts at the top and spreads throughout the organization, good or bad. Bossescoming Early and leave late set an example that is productive and respected and also
fosters better work Ethics and commitments. bosses that treat subordinates with respect
and consideration, getting to Know their personal lives and families by demonstrating
care and concern , will not only get the Same in return but their
action will promote the same good behavior among employees and with Customers.
Moreover, employees will enjoy their work experience more, performing more effectively
Resulting to complete customers satisfaction of service in return.
SWOT Analysis
Strength Weakness
Theyoffer the lowest Interest rate for
personal loans among all banks starting from
7/27/2019 Adcb and Nabd
5/17
5
5
57.97% Goodlocation where customers can park
their cars easily and can find the bankeasily7Theyoffer very fast services for ordering
&issuing (Cheques books, Debit Cards ,credit
cards, Loans & Opening new accounts.
NoPromotion7TheirInterest Rate on Car loans is high7
WeakSystem of delivering the Post Dated
Cheques to the Central Bank7Lowmorals7
Opportunity Threats
QatarNational bank is looking to merge
and cooperate with other bank inUAE7Thereare new properties are being
established and their owners are looking to
lease / rent the properties7
ADCBis trying to collect liquidity by
providing high interest rates ofFDs7EmiratesBank is offering the best loan
system in UAE7FirstGulf Bank trying to capture all
governmental expenditure and government
paymentsto local 7
7/27/2019 Adcb and Nabd
6/17
6
6
ADCB Findings
Net profit of AED 903 mn compared with AED 861 mn in Q112 and AED 628 mn inQ412
Record quarterly operating income at AED 1,744 mn, an increase of 5% over Q112 and13% over Q412
Record quarterly operating profit before impairment allowances at AED 1,227 mn, up 7%over Q112 and 19% over Q412
Noninterest income of AED 485 mn, an increase of 14% over Q112 and 73% overQ412, primarily due to retirement of financial liabilities and associated hedges
Cost to income ratio significantly improved to 29.7% compared to 30.6% in Q112 and33.1% in Q412
7/27/2019 Adcb and Nabd
7/17
7
7
NPLs remain unchanged at 5.4% and provision coverage improved to 84.5% from 82.2%at the end of 2012
Customer deposits up 2% at AED 111 bn compared to 31 December 2012, withsignificant improvement in customer deposit constitution, CASA customer deposits
accounted for 32% of total customer deposits compared to 30% as at 31 December 2012
and 25% as at 31 March 2012
Loan to deposit ratio improved to 112.0% from 112.8% as at 31 December 2012 Strong capitalisation and liquidity levels, CAR at 22.29% and Tier I ratio at 17.55% as at
31 March 2013
Recommendation
ADCB had a good start to the year, delivering strong top and bottom line numbers which reflect
and demonstrate the strength of our franchise. Net interest income was up 2% year on year,
primarily driven by a 23% reduction in cost of funds.
Operating expenses increased by 2% year on year, as we continue to invest in our business and
overall cost to income ratio for the quarter declined to 29.7%. The bank has a robust liquidity
management framework and our liquidity ratio improved further to 24.4% as at 31 March 2013.
We remain strongly capitalized with a total CAR of 22.29% and Tier I ratio of 17.55%.
7/27/2019 Adcb and Nabd
8/17
8
8
About NBAD
The National Bank of Abu Dhabi (NBAD), The Number One Bank in the UAE, was
incorporated in 1968 and is listed in the Abu Dhabi Securities Exchange (ADX), under stock
code NBAD.
NBAD has been ranked one of the 50 Safest Banks in the
World in 2009 and 2010 by Global Finance. It was also
named in 2010 as the Best Bank in the UAE, for the second
consecutive year and for the Bank time in a decade, by Euro
money. NBAD has been recognized as a super brand by
Super brands, the independent authority and arbiter on
branding.
The Bank has a network of more than 100 branches in the
UAE in addition to cash offices that are spread out in remote
7/27/2019 Adcb and Nabd
9/17
9
9
locations to provide banking services to customers all over the UAE. It also operates more than
330 ATMs allowing customers to perform a variety of transactions.
Besides brick & mortar branches, NBAD provides around-the-clock account access through
internet banking, the SMS-based payment service Arrow; and personalized customer support
through its 24-hBank Call Centre.
NBAD provides its customers with a wide variety of financial services targeting all segments of
the consumer and corporate markets in addition to fund management, brokerage, financial
markets, leasing, property management and private banking businesses. The bank is organized
into various client-focused divisions. They are the UAE Domestic Banking, International
Banking, Financial Markets, Corporate and Investment Banking, Abu Dhabi National Islamic
Finance (ADNIF), and Global Wealth comprising of Private Banking and Asset Management
Group, and the wholly owned stock brokerage company Abu Dhabi Financial Services (ADFS).
The Bank's wholly owned subsidiaries, Abu Dhabi National Leasing Company (ADNL) and Abu
Dhabi National Properties (ADNP) are part of the Corporate and Investment Banking division.
NBAD Vision Mission
Bank Vision
To be recognized as the Worlds Best Arab Bank
7/27/2019 Adcb and Nabd
10/17
10
10
Bank Mission
To provide Bank customers with exceptional service by creating products and delivering
services of enduring value to help Bank customers grow
Bank Value
Value Bank stakeholders
Accessible to Bank customers 24 x 7
Loyal to Bank heritage and global in Bank outlook
Understand Bank customers needs
Recognize that people are Bank single biggest asset and empower them
Teamwork
Deal with others as we would like them to deal with us
Customer Pledge
We will recognize you
We will listen to you
We will understand bank needs
We will dedicate all Bank energies to serving you
We will grow with you
Corporate Sustainability & Responsibility
Investing in Bank future. We are committed to doing business in a responsible way; by
dealing with Bank customers, investors and other stakeholders honestly and fairly, by
valuing Bank employees, by being accessible and responsive to the communities where
we do business and through careful environmental stewardship.
7/27/2019 Adcb and Nabd
11/17
11
11
NBAD Career Opportunities
Career
At NBAD, we have a lot of great career opportunities across a full range of world class
business areasso bank career can really take off once you join Bank family.
UAE Nationals career opportunities:
At NBAD, we believe that people drive Bank performance. We have extensive programs
to train all Bank staff to excel beyond todays requirements. BankAfaq Training
Programis designed to prepare the youth of U.A.E. for tomorrows leadership in the
Banking and Finance Industry. We also have aSponsorship Programwhich will
provide financial assistance to students and guarantee employment with the Bank upon
successful completion of their studies.
http://www.nbad.com/bank/afaq.phphttp://www.nbad.com/bank/afaq.phphttp://www.nbad.com/bank/afaq.phphttp://www.nbad.com/bank/afaq.phphttp://www.nbad.com/bank/sponsor.phphttp://www.nbad.com/bank/sponsor.phphttp://www.nbad.com/bank/sponsor.phphttp://www.nbad.com/bank/sponsor.phphttp://www.nbad.com/bank/afaq.phphttp://www.nbad.com/bank/afaq.php7/27/2019 Adcb and Nabd
12/17
12
12
Domestic Banking Division (DBD)
The Domestic Banking Division (DBD) within NBAD is the engine which drives the bank in the
UAE. It is responsible for three major customer segments together with the associated operations
and administration. The business of DBD is structured around Bank customer segments to ensure
that we always provide the best products and service in recognition of the different needs ofBank broad customer base.
1. CONSUMER BANKINGOperating more than 100 branches and Cash Offices together with over 320 ATMs plus
a 24/7 Call Centre and advanced Internet Banking, NBAD offers Bank consumer
customers a wide choice of products and services in a convenient manner. This is further
supplemented by a growing range of electronic banking services which allow all
customer segments to conduct their banking in true 21st century style. Customers have
access to a very competitive variety of loan, deposit, cards, transaction accounts,
investment and insurance products. Consumer Banking is committed to providing its
customers with world-class service allowing them to bank the way they want, when they
want to and where they want to.
2.
COMMERCIAL BANKING (SME)The Commercial Banking team is equipped to provide the fast-growing Small & Medium
Enterprise (SME) segment with a wide range of products and services delivered by an
expert team of relationship managers and supported by the full resBankces of the NBAD
network. They are able to specifically address the needs of this specialized segment and
bring the required experts together to solve particular issues customers may have. They
7/27/2019 Adcb and Nabd
13/17
13
13
have a vital role to play in promoting the growth of their customers in this segment which
is critical for the growth of the UAE economy.
3. ELITE BANKINGElite Banking is geared to providing this important segment of the market with the
products and services they require. It is based on providing a very high level of personal
service (Red Carpet) through dedicated managers to those customers for whom time is a
precious commodity and who have particular needs which require individual solutions.
This is a high touch business segment where customers demand and receive the best
DBD is committed to delivering all Bank customer segments the best banking experience in the
UAE and continuing the growth which has seen NBAD emerge over the last 40 years as a
dynamic and customer focused organization built on sound financial strength.
This is providing customers with many & many services & products:
1. Deposit Accounts2. Lending Products3. Personal Cards4. Elite Banking5. Commercial Banking6. Al Nada - Ladies Banking7. Student Banking8. Waladi9. NBAD DIRECT10. Channels & Services
http://www.nbad.com/domestic/students/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/channels/http://www.nbad.com/domestic/nbaddirect.phphttp://www.nbad.com/domestic/waladi.phphttp://www.nbad.com/domestic/nada/http://www.nbad.com/domestic/commercial/http://www.nbad.com/domestic/cards/http://www.nbad.com/domestic/deposit/http://www.nbad.com/domestic/students/7/27/2019 Adcb and Nabd
14/17
14
14
SWOT Analysis
Strength Weakness
They offer the lowest Interest rate forpersonal loans among all banks starting
from 9.75%.
Good location where customers can parktheir cars easily and can find the bank
easily.
They offer very fast services forordering & issuing (Cheques books,
Debit Cards, credit cards, Loans &
Opening new accounts).
No Promotion. Their Interest Rate on Car loans is high. Weak System of delivering the Post
Dated Cheques to the Central Bank.
Low morals.
Opportunity Threats
Qatar National bank is looking tomerge and cooperate with other bank in
UAE.
There are new properties are beingestablished and their owners are
looking to lease / rent the properties.
ADCB is trying to collect liquidity byproviding high interest rates of FDs.
Emirates Bank is offering the best loansystem in UAE.
First Gulf Bank trying to capture allgovernmental expenditure and
government payments to local.
Board of Directors
H. E. Nasser Ahmed Khalifa Alsowaidi Chairman
H. E. Dr. Jauan Salem Al Dhaheri Deputy Chairman
7/27/2019 Adcb and Nabd
15/17
15
15
H.E. Mohammed Omar Abdulla Board Member
Mr. Khalifa Sultan Al Suwaidi Board Member
Mr. Hashim Fawaz Al Kudsi Board Member
Mr. David Beau Board Member
Mr. Sultan Bin Rashed Al Dhaheri Board Member
Sheikh Ahmed Mohammed Sultan Al Dhaheri Board Member
Sheikh Mohammed Saif Mohammed Al Nahyan Board Member
Mr. Matar Hamdan Al Ameri Board Member
International Banking Division
The International Banking Division (IBD) manages NBADs overseas branch network and a
portfolio of credit derivatives. With 47 overseas units in 12 countries on 4 continents, NBAD has
the largest overseas network of all UAE local banks.
NBADs overseas branch network stretches from:
Oman, Bahrain and Kuwait in the Gulf Co-operation Council (GCC).
Egypt, Sudan, and Libya in Africa Jordan in the Levant, Hong Kong in the Far East, United Kingdom, Switzerland, and France in Europe, And Washington D.C. in the United States of America.
The Bank takes advantage of its large international presence and massive domestic
network to act as a gateway into the UAE for its international clients whilst Bank aging
and focusing on UAE interests in its established overseas markets thereby offering its
clients a comprehensive and truly global service.
7/27/2019 Adcb and Nabd
16/17
16
16
National Bank of Abu Dhabi (NBAD} reported 2.5% increase in net profits to AED 1,026
million for the second quarter of 2011 compared with AED 1,001 million earned in the second
quarter of 2010.
Net profits for the first half of 2011 at AED 1,953 million were lower by 3.9% compared to the
first half of the previous year at AED 2,032 million.
The annualised return on shareholders' funds for the first half is 17.7% in line with the target for
2011 .
Operating income for the first half reached AED 3,888 million, up 10% as compared with AED
3,548 million for the corresponding period of 2010. Second quarter's operating income at AED
2,007 million is higher by 13% when compared to the second quarter of 2010. Net interest
income and net income from Islamic financing contracts for the first half rose 13% to AED 2,854
million compared with corresponding period of 2010 while non-interest income was marginally
higher at AED 1 ,035 million.
Net interest margin was 2.49% for the first half of 2011, but lower as compared to 2.53% for the
comparable period of 2010.
EXPENSES
Operating expenses for the first half were AED 1,188 million, higher by 18% compared with the
corresponding period of 2010.
The cost to income ratio was 30.5% for the first half of 2011. The ratio remains below the
Group's medium-term cap of 35%.
During the second quarter, NBAD launched its second branch in Wadi Abdoun, Jordan and its
fourth Business Banking centre in UAE (second in Dubai) in its ongoing effort to expand its
services to small land
Medium-sized enterprises (SMEs).
The Bank launched innovative new products and services during the quarter, like the Visa
Business Credit Card, Business Rent Finance for SMEs and NBAD One - a premier current
account service among others.
NBAD Academy runs a number of training programmes catering to UAE nationals. During the
quarter, it hosted a graduation ceremony for 36 UAE nationals who completed the AFAQ
management trainee programme for young UAE nationals.
7/27/2019 Adcb and Nabd
17/17
17
17
References
1- http://www.adcb.com2- http://www.nbad.com/en/Pages/nbad-global.aspx3- http://www.thenational.ae/business/adcb4- http://www.thenational.ae/business/nbad
http://www.nbad.com/en/Pages/nbad-global.aspxhttp://www.thenational.ae/business/adcbhttp://www.thenational.ae/business/nbadhttp://www.thenational.ae/business/nbadhttp://www.thenational.ae/business/adcbhttp://www.nbad.com/en/Pages/nbad-global.aspxTop Related