Abu Dhabi Commercial Bank ADCB SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 3369

SWOT Analysis of Abu Dhabi Commercial Bank ADCB with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

Abu Dhabi Commercial Bank ADCB

Parent Company

Abu Dhabi Commercial Bank


Regional Banks


Banking and Financial Services

Tagline/ Slogan

Long Live Ambition


ADCB is a market leader across core business lines and is a provider of Islamic Non-Interest Banking



Personal, Business and Islamic Banking

Target Group

Individuals, Small, medium & large enterprise looking for diverse financial solutions


One of the United Arab Emirates’ largest full-service retail and commercial banks today

SWOT Analysis


1. ADCB is one of the largest in the UAE in terms of shareholder funds and market capitalization.

2. First Bank to implement the Abshar Emiratisation Program

3. It serves over 465,000 retail customers and approximately 37,000 corporate and SME clients and it operates through its network of 40+ full service branches

4. It has its presence in the UAE and India and UK

5. It provides retail, commercial, investment, brokerage etc financial services


1. Internal capital generation remains weak and Competition weighed on profit margins

2. Regulators' decision to encourage banks to make large provisions for loan losses in the third quarter as a precaution affecting the operating income


1. Strong economic growth may provide a general boost to profits
2. One is that loan loss provisions tapered off last quarter as regulators apparently became satisfied with the banks' precautions. Now that the precautions have been taken, banks may be freer to offer more loans in the relatively risky but lucrative consumer sector
3. Focus on continuing growth to benefit from the government's spending drive

4. Potential growth from profitable segments, including Islamic banking and mortgage financing


1. Mature markets are competitive. In order for ADCB to grow in a mature market, it has to increase market share, which is difficult and expensive
2. The lending environment in Saudi Arabia intensely competitive between a small number of local banks, and means that while banks will be able to book new assets, margins will be tight

3. Global demand for goods produced by emerging market manufacturers continued to weaken

4. The high risk associated with capital market and real estate exposure



1. Abu Dhabi Islamic Bank

2. Invest Bank

3. Mashreqbank psc

4. Union National Bank

5. Dubai Islamic Bank P.J.S.C.

6. National Bank of Fujairah


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