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Name: ADCB History: ADCB is 65 percent owned by the state-controlled Abu Dhabi Investment Council, and IT is third-biggest bank by assets in UAE. the bank changed its name to Abu Dhabi commercial bank after merging with Emirates commercial bank and federal commercial bank on 1985. The bank is public shareholding company with limited liability they have 33 branch across 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 Al Wagan Branch Address Al Wagan P.O.Box: 21879 Contact Numbers Working HoursServices T: +971 3 7351444 F: +971 3 7351799 Al Yahar Branch Al Yahar Area P.O.Box: 81084 T: +971 3 7814000 F: +971 3 7826600 Bawadi Mall Branch Bawadi Mall P.O.Box: 87532 T: +971 3 7028982 F: +971 2 6109856 Industrial Al Ain- Industrial Area T: +971 3 7210009
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8AM to 2PM

ATM

8AM to 2PM

ATM

10AM to 10PM SatThu, 2PM to 10PM Fri 8AM to

ATM

ATM

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 its participate 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 to partner with the Marriage Fund. This cooperation comes to serve the community.The

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

Dealing with people is like digging gold .To get an ounce of it, one may need to Separate tons of dirt.

Looking for positive result does not mean over looking defects .Negative individuals always 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. Bosses coming 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 They offer the lowest Interest rate for personal loans among all banks starting from
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Weakness

7%57.9 Good location where customers can park their cars easily and can find the bank easily7

No Promotion7 Their Interest Rate on Car loans is high7 Weak System of delivering the Post Dated

They offer very fast services for ordering &issuing (Cheques books, Debit Cards ,credit cards, Loans & Opening new accounts.

Cheques to the Central Bank7 Low morals7

Opportunity Qatar National bank is looking to merge and cooperate with other bank in UAE7

Threats

ADCB is trying to collect liquidity by There are new properties are being established and their owners are looking to lease / rent the properties7 Emirates Bank is offering the best loan system in UAE7 First Gulf Bank trying to capture all governmental expenditure and government payments to local 7 providing high interest rates of FDs7

ADCB Findings

Net profit of AED 903 mn compared with AED 861 mn in Q112 and AED 628 mn in Q412 Record quarterly operating income at AED 1,744 mn, an increase of 5% over Q112 and 13% 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% over Q412, 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 and 33.1% in Q412

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, with significant 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%.

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 areas so 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. Bank Afaq Training Program is designed to prepare the youth of U.A.E. for tomorrows leadership in the Banking and Finance Industry. We also have a Sponsorship Program which will provide financial assistance to students and guarantee employment with the Bank upon successful completion of their studies.

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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 of Bank broad customer base.

1. CONSUMER BANKING Operating 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 BANKING Elite 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. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Deposit Accounts Lending Products Personal Cards Elite Banking Commercial Banking Al Nada - Ladies Banking Student Banking Waladi NBAD DIRECT Channels & Services
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SWOT Analysis

Strength They offer the lowest Interest rate for personal loans among all banks starting from 9.75%. Good location where customers can park their cars easily and can find the bank easily. They offer very fast services for ordering & issuing (Cheques books, Debit Cards, credit cards, Loans & Opening new accounts). Opportunity Qatar National bank is looking to merge and cooperate with other bank in UAE. There are new properties are being established and their owners are looking to lease / rent the properties.

Weakness

No Promotion. Their Interest Rate on Car loans is high. Weak System of delivering the Post Dated Cheques to the Central Bank. Low morals.

Threats

ADCB is trying to collect liquidity by providing high interest rates of FDs. Emirates Bank is offering the best loan system in UAE. First Gulf Bank trying to capture all governmental expenditure and government payments to local.

Board of Directors H. E. Nasser Ahmed Khalifa Alsowaidi H. E. Dr. Jauan Salem Al Dhaheri Chairman Deputy Chairman

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H.E. Mohammed Omar Abdulla Mr. Khalifa Sultan Al Suwaidi Mr. Hashim Fawaz Al Kudsi Mr. David Beau Mr. Sultan Bin Rashed Al Dhaheri Sheikh Ahmed Mohammed Sultan Al Dhaheri Sheikh Mohammed Saif Mohammed Al Nahyan Mr. Matar Hamdan Al Ameri

Board Member Board Member Board Member Board Member Board Member Board Member Board Member 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.com 2- http://www.nbad.com/en/Pages/nbad-global.aspx 3- http://www.thenational.ae/business/adcb 4- http://www.thenational.ae/business/nbad

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