EXCEEDING YOUR EXPECTATIONS AT EVERY LEVEL ADCB AT A GLANCE

OUR VALUE PROPOSITION

OUR SERVICES

HOW CAN I HELP? ADCB AT A GLANCE Backed by the strong foundation of stability, integrity and excellence of ADCB. ADCB AT A GLANCE

ADCB was We are a commercial 58% of ADCB is owned Financially we have established with a full range by the government of an A+ rating and a in 1985 of services stable outlook

52 local and international Every second “Best SME ADCB has the highest number branches. Over 4,000 362 AED gets spent on Customer Service of main banking relation employees an ADCB card Award” customers in the UAE OUR VALUE PROPOSITION Uncompromisingly refreshing and committed to exceeding your expectations. OUR VALUE PROPOSITION

EXCLUSIVITY ADAPTABILITY

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GLOBAL PORTABILITY EXPERTISE

FIND OUT MORE FIND OUT MORE EXCLUSIVITY An invitation only proposition.

Top-Tier Relationship Managers Client-Centric Approach Highly trained and experienced Relationship based advisory process Relationship Managers addressing clients’ “Whole Net Worth” across generations

Flexible Service Delivery Selective Client Segmentation Organisational design allowing for More time dedicated to you a greater level of customisation of products and services

ELIGIBILITY CRITERIA

Invitation Only Proposition

AUM of USD 1 million Business Case Justification by (with ADCB Private) Relationship Manager

Wealth Management Relationship ADAPTABILITY Bespoke banking, tailored to your needs.

Our investment strategy team follows a rigorous macroeconomic top-down approach, with a view of capturing key market drivers and determining the asset classes that will most likely benefit you. Your portfolio will be positioned on the basis of the tactical asset allocation devised by the investment strategy team. GLOBAL PORTABILITY Local knowledge. International sophistication. Combining a deep understanding of regional markets with a global macro perspective, we offer a unique portfolio of investments. Using our holistic planning framework, your RM will recommend a plan based on your personal circumstances, preferences and ambitions. EXPERTISE A dedicated team of experts.

With ADCB Private, you will be given your own dedicated Relationship Manager who will be on hand to manage your affairs. Your Relationship Manager, a seasoned professional with international experience, will advise you in partnership with a team of experts. OUR PRODUCT & SERVICES Outperforming your expectations in every conceivable way. OUR PRODUCT & SERVICES

TRANSACTION BANKING SERVICES ASSET MANAGEMENT

• Access to the full service ADCB retail and • Access to the full suite of ADCB Asset SME franchise, including branches and Management products – including DPM, both conventional and Islamic products Advisory and Non-Discretionary portfolios • Access to in-house research and publications • Enhanced mobility solutions and statements OFFSHORE SOLUTIONS

OFFSHORE SOLUTIONS MANAGEMENT

• Access to Offshore Banking with enhanced features

• Access to Succession Planning solutions ASSET • Account opening for Trusts and BVIs RELATIONSHIP & SERVICE

• World-class multi cultural relationship RELATIONSHIP & management team backed up with qualified investment advisors to manage SERVICE TEAMS customer relationship • Bespoke service infrastructure to ensure service quality LENDING SOLUTIONS LENDING SOLUTIONS • Credit specialists to design and tailor bespoke lending solutions

PAYMENT SOLUTIONS PAYMENT SOLUTIONS • Premium Debit Cards – both LIFESTYLE SOLUTIONS Onshore and Offshore • Premium Metal Credit Cards – with • Access to 24*7*365 concierge enhanced features • Exclusive invitation-only events • Access to International Cash • Access to lifestyle magazines and newsletters Delivery services ASSET MANAGEMENT An innovative approach to investment management.

ADCB has a long history of successfully managing investments. By combining local knowledge with global expertise, we provide:

• Execution services for equities and fixed income • Mutual funds, both traditional and alternative • Investment advisory services • Discretionary portfolio management • Asset allocation model portfolios

In addition to this, ADCB has launched the region’s first index funds: ADCB MSCI UAE Index Fund and the ADCB Arabian Index Fund, which offer clients low cost exposure to regional markets. OFFSHORE SOLUTIONS Peace of mind for a lifetime of accomplishments.

As an ADCB Private customer you can enjoy access to ADCB Offshore Banking through our Jersey branch. Jersey is one of the leading offshore financial centers in the world. It is an independently administered jurisdiction with comprehensive laws and regulations to protect its industry.

With ADCB Offshore Banking you will enjoy: • Offshore multi-currency investment and banking service • Inheritance & estate planning • World renowned offshore custody • Integrated internet access to onshore and offshore accounts LENDING SOLUTIONS Bespoke offerings designed to grow your wealth.

Drawing on our balance sheet strength and extensive credit experience, ADCB Private offers a tailored lending service that enhances liquidity and flexibility to maximise financial returns.

Our tailored lending programme is designed to accommodate client needs across the credit spectrum, and includes:

• Tailored solutions with multiple and complex collaterals • Strategic debt provision with collateralised loans and other private financing solutions • Domestic and international mortgage services PAYMENT SOLUTIONS The region’s first titanium credit card, in your pocket.

ADCB Private empowers you to carry the ADCB Private World Elite MasterCard.

Never before has the UAE seen a credit card quite like this. Made of titanium alloy, this is the first metal card offered in the region, and it is bundled with a host of unrivalled VIP privileges:

• Extensive purchasing power, with free extended warranties and insurance on purchases • Free upgrades and discounts with select airlines • Instant Elite Status on a range of loyalty schemes and honour clubs • Special offers on exclusive deals from around the world • Invitations to some of the world’s most renowned events and venues TRANSACTION BANKING Access to one of the largest full service commercial in the region.

CONSUMER BANKING WHOLESALE BANKING

• Covers retail, wealth management and Islamic • Covers SMEs and large corporate clients, financial operations institutions, Indian operations, international business • Growth in consumer banking underpinned by an development, strategic client operations, corporate increased product offering, expansion of sales and finance and distribution infrastructure and effective cross-selling • JV with Macquarie Bank covering infrastructure funds • Co-branded Visa Cards with Etihad Airways Established cash management franchise • TouchPoints – Unique market-leading rewards • Disciplined management of balance sheet growth programme for customers and well-monitored asset quality • Strategic relationship with Bank of America Merrill Lynch and Banco Santander to allow clients who require services in the region to access capabilities provided by ADCB

TREASURY AND INVESTMENTS PROPERTY MANAGEMENT

• Treasury business and investment portfolio provides • Includes real estate and property management interest rate, commodities and foreign exchange activities comprising of real estate management and services engineering service operations of subsidiaries – Abu • Covers money market, FX, interest rates, currency, Dhabi Commercial Properties, Abu Dhabi Commercial commodity derivatives alongside asset and liability Engineering Services, investment properties and rental management income of ADCB LIFESTYLE

SOLUTIONS YOUR PERSONAL CONCIERGE Enjoy access to your own ADCB Private Concierge by Quintessentially Lifestyle. In the spirit of ADCB Private, your concierge will be committed to providing unrivalled service and exceeding your expectations at every level.

A LIFESTYLE OF PRIVELEGE A box at the opera, tickets to the FA Cup Final, a breathtaking walk through the Himalayas: all you have to do is ask. From extravagant days out to life-affirming adventures, your luxury concierge is there to cater to all your lifestyle needs.

No matter where you are in the world, our unparalleled network of contacts will ensure you get the very best that life has to offer.

Once you become an ADCB Private Client, your personal Lifestyle Manager will discern exactly what you value most and put together a package of services and experiences that will most appeal to you. HOW CAN I HELP?