Distribution of Revenues by Industry:

• Lending and Loans: approx. 60%
• Deposits and Account Management: approx. 25%
• Investment Banking and Asset Management: approx. 15%

TOP 3 Markets:

1. United Arab Emirates: approx. 70%
2. Saudi Arabia: approx. 15%
3. Kuwait: approx. 10%

The Abu Dhabi Commercial Bank (ADCB) generates the majority of its revenues from lending and loans, which is typical for a bank of its size and market position. Deposits and account management, as well as investment banking and asset management, also contribute significantly to the income.

The main market for ADCB is the United Arab Emirates, where it has a strong presence and market leadership. Saudi Arabia and Kuwait are also important markets that contribute to diversifying sources of income. These markets offer growth opportunities, especially in the areas of corporate finance and retail banking.

Production: Not applicable

The Abu Dhabi Commercial Bank PJSC (ADCB) is a bank and not a manufacturing company. It offers financial services, including personal and business loans, deposit products, asset management, and other banking services.

Since ADCB does not produce physical products, there are no production facilities. Its headquarters are located in Abu Dhabi, United Arab Emirates, and it operates mainly within the UAE with a network of branches and digital platforms.

Strategic Growth Focus:

1. Digitization and Technology Investments
2. Expansion of the Credit Portfolio
3. Sustainable Financing Projects

The Abu Dhabi Commercial Bank PJSC (ADCB) is strongly focusing on digitization to improve and streamline its services. Investments in new technologies and digital platforms are at the core to enhance customer experience and modernize banking processes.

Another key focus is on expanding the credit portfolio, especially in real estate financing and corporate loans. This is intended to be achieved through targeted marketing strategies and the development of new financial products.

Additionally, the bank is involved in sustainable financing projects to meet the growing demands for environmental and social responsibility. This includes investments in green projects and support for initiatives aimed at sustainable development.

Imported raw materials/materials: No specific raw materials

The Abu Dhabi Commercial Bank PJSC (ADCB) is a financial institution and not a manufacturing company. Therefore, it does not import raw materials or materials in the traditional sense. Instead, the bank focuses on financial services such as loans, deposits, and investments.

If you are looking for information on the financing of raw material imports by the bank, it would be advisable to examine the specific trade finance activities of the bank. These could potentially provide insights into the import transactions supported by the bank.

Market share in the banking sector of the UAE: approx. 10% (2023)
Return on equity (ROE): 13.5% (2023)
Cost-to-income ratio: 34.2% (2023)

The Abu Dhabi Commercial Bank PJSC (ADCB) has a significant competitive advantage in the banking sector of the United Arab Emirates (UAE). With a market share of around 10%, it is one of the leading banks in the region. Its strong market position is supported by a solid return on equity of 13.5%, indicating efficient capital utilization.

The cost-to-income ratio of 34.2% shows that ADCB effectively manages its operating costs, which is considered very efficient compared to many international banks. This allows the bank to offer competitive services while ensuring its profitability.

In addition, ADCB benefits from its strong presence in an economically dynamic market and its ability to adapt to regulatory changes and technological advances. These factors help further strengthen the bank's competitive advantage.

Institutional investor share: approx. 60% (estimated for 2025)

Insider purchases/sales: No significant transactions in the last quarter (estimated for 2025)

The institutional investor share at Abu Dhabi Commercial Bank PJSC is estimated to be around 60%. This demonstrates the confidence of major investors in the stability and growth potential of the bank.

Regarding insider transactions, there were no significant purchases or sales in the last quarter, indicating a stable trust of the management in the current corporate strategy and performance.

These assessments are based on the typical investment patterns and market position of the bank in the region.

Market share of Abu Dhabi Commercial Bank PJSC (ADCB): 12% (estimated, 2025)

Top competitors and their market shares:

1. First Abu Dhabi Bank (FAB): 25%
2. Emirates NBD: 20%
3. Dubai Islamic Bank: 15%
4. Abu Dhabi Commercial Bank (ADCB): 12%
5. Mashreq Bank: 8%
6. Abu Dhabi Islamic Bank: 7%
7. RAK Bank: 5%
8. Commercial Bank of Dubai: 4%
9. Union National Bank: 2%
10. National Bank of Fujairah: 2%

Moat of ADCB:

ADCB has a moderate moat, mainly supported by its strong presence in Abu Dhabi and a diversified product range. The bank has invested in digital transformation and customer experience in recent years, giving it a certain advantage.

Compared to competitors, First Abu Dhabi Bank (FAB) has the strongest moat as it is the largest bank in the UAE with an extensive international network. Emirates NBD also benefits from a strong moat due to its extensive customer base and innovative digital solutions.

Dubai Islamic Bank has a significant advantage in the field of Islamic banking, which secures its special market share. ADCB must continue to invest in innovation and customer satisfaction to strengthen its moat and remain competitive.

Revenue growth: 8.5% (2024) Profit growth: 10.2% (2024) Return on equity: 14.8% (2024)

The Abu Dhabi Commercial Bank PJSC (ADCB) is showing solid financial results with a revenue growth of 8.5% and a profit growth of 10.2% in 2024. These growth rates indicate strong operational performance, supported by an efficient cost structure and successful business expansion.

The return on equity of 14.8% shows that ADCB effectively utilizes capital to generate profits, which is a positive signal for investors. This metric is at the upper end of the industry and indicates good profitability.

Additionally, in recent years, the bank has strengthened its market position through strategic investments and diversification of its services. This could support future growth and increase the attractiveness of the stock as an investment.

Overall, the financial metrics and strategic direction suggest that ADCB's stock could be a promising investment, especially for investors interested in long-term growth.

Dividend yield: 5.1% (2024)

Dividend history: Continuous payout in the last five years

The Abu Dhabi Commercial Bank PJSC (ADCB) has regularly distributed dividends in recent years. The dividend yield was around 5.1% in 2024, indicating an attractive payout policy.

ADCB has a solid balance sheet and a strong market position, contributing to the stability of its dividend payments. The bank has consistently paid dividends over the last five years, indicating reliability in its payouts. Analysts believe that ADCB will also be able to continue paying stable dividends in the future, supported by its financial health and operational efficiency.