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    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

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    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

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    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

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    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

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    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

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    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

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    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%.

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    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

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    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

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    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.

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    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.php
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    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

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    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/
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    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

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    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.

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    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.

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    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.aspx