ADCB was formed in 1985 and as at 31 March 2019 employed over 5,000 people from 84 nationalities, serving retail customers and corporate clients in 49 branches, in addition to the 2 SimplyLife Sales & Service Centers and 4 uBank Centers in the UAE, 2 branches in India, 1 branch in Jersey and representative offices in London and Singapore. As at 31 March 2019, ADCB’s total assets were AED 292 billion. ADCB is a full-service commercial bank which offers a wide range of award winning products and services in both conventional and Shari’ah compliant banking, operating in four business segments including Consumer Banking, Wholesale Banking, Treasury and Investments and Property Management. On 1 May 2019, ADCB and Union National Bank merged and the combined entity acquired Al Hilal Bank, which operates as a separate Islamic banking entity under its own brand within the Group. The transaction reinforced ADCB’s position as the third largest bank in the UAE, with assets of AED 423 billion based on pro forma financial information as at 31 December 2018. The Group serves approximately 1 million customers. ADCB Group, which is 60.2% owned by the Government of Abu Dhabi through the Abu Dhabi Investment Council, trades on the Abu Dhabi Securities Exchange (ADX) under the ticker of ADCB. As at 1 May 2019, ADCB’s market capitalization was AED 67 billion.ADCB places its focus on the UAE where it helps to make a significant contribution to the economy and the communities it serves. Under the Wholesale Banking segment they offer a portfolio of services includes business banking, cash management, trade finance, corporate finance and investment banking for clients that range from government-related entities (GREs) to financial institutions, large corporates, mid-sized corporates and small-to-medium sized enterprises (SMEs). ADCB is one of the biggest SME lenders in the country and despite the economic slowdown, and unlike many market providers they have held the loan book levels whilst reducing the cost of risk. In 2018, ADCB launched digital account opening platforms for SMEs and mid-sized corporates, providing more simplicity and substantially reducing turnaround time. In Trade Finance, ADCB began automating workflow processing for all trade products with the launch of Automated Trade Workflow, made material improvements on ProTrade – ADCB’s online trade platform and launched Trade Booster portal - a global directory of buyers and sellers to benefit from mutual trade. Today, 90% of all interactions Wholesale clients have with the Bank are fully digital.ADCB was awarded Best Domestic Trade Finance Provider in UAE, Trade Finance Market Leader in the UAE, Best Domestic Trade Finance Bank of the Year, Best Cash Management Bank in the UAE and Middle East, and Best Islamic Wholesale Banking Solutions by Global Finance. By becoming a member of FCI, ADCB looks to provide a comprehensive factoring solution to clients that can enhance client liquidity while better managing the risk. For further details, please visit www.adcb.com