Enriching the lives of those you care about

Welcome to ADIB Private Bank

“It is my pleasure to welcome you to the future of Islamic

Private Banking. We understand what families need in terms

of passing wealth from one generation to another. We

become life-long partners with our clients to provide powerful

solutions to protect, manage and grow wealth for generations

to come.”

Stuart Crocker,Global Head of the Private Banking Group

Prosperity through sustained growth

Our achievements in the past three years alone include:

Among our many awards, we have recently won:

• Fastest Growing Bank in the UAE (May 2010, CPI Financial)

• Best Islamic Bank in the Middle East – 2 years in a row (Banker Middle East)

Business Performance

Net Banking RevenuesAED Millions

Operating Profit – BankingAED Millions

Return on Equity(Bank Only)

Number of Branches Number of ATMs Number of Employees

Network and Employees

Service Quality and Customers

Number of Customers Customer Service Qualityranking among UAE banks

Call Center Performanceranking among UAE banks

Customer DepositsAED Millions

Customer FinancingAED Millions

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Ethical• We work for mutual benefit and keep dealings

completely transparent to enable you to make the right choices

• We offer you unique opportunities to invest in ethical products approved by our Shari’a board

• We bring you best-in-class experts and trusted advice

• We regularly inform and educate you about new products, services and latest market trends

Entrepreneurial• We help you select and monitor attractive

investments locally and globally

• We dedicate to you experienced Private Bankers certified according to international standards

• We tailor relevant and powerful solutions to protect, manage and grow your wealth

• We strive to deliver high returns using diligently selected partners

Exclusive• We provide a luxurious banking experience

• We give you access to prestigious and unique lifestyle opportunities

• We offer a broad range of regional and global wealth management solutions and access to an exclusive pool of investment opportunities

Private banking as it should be

Stuart Crocker • Over 25 years of experience in banking

• Formerly CEO of HSBC Private Bank in UAE and Oman for 4 years

• Prior to HSBC, spent 15 years in various leadership positions with

Merrill Lynch in the UAE and UK

Global Head of the Private

Banking Group

Julie AzharianPrivate Banking

• 15 years of experience in

Financial Services

• Formerly Head of Family Office,

Emirates NBD Private Banking

Naveed AhmadFamily Office

• 16 years of experience in

Financial Services

• Formerly Head of Afluent and

Private Banking, Al Rajhi

Islamic Bank

Khaled Al KurdiehADIB Securities

• 17 years of experience in

Financial Services

• Formerly CEO Mashreq

Securities,

Mashreq Group

Hany Hussein, CFAAsset Management

• 18 years of experience in

Financial Services

• Formerly Head of Asset

Management & Product

Development, UNB

Hassan FahmiFinancing Solutions

• 26 years of experience in

Financial Services

• Formerly Head of Trading &

Manufacturing, Corporate

Banking, ADIB

Over 200 years of banking experience at your service

Sandy ShiptonPrivate Office

• Over 25 years of experience in

financial services

• Formerly Executive Director of

Wealth Management at the DIFC

and a member of the DIFC

Executive Management Team

Our clients are at the centre of everything we do

Corporate Finance and Investment

Banking

Treasury

Corporate Banking

WealthManagement

Client

Private Banker

Family Office

Product and Service Offering

Private BankRelationship Management

Private Office Wealth Management

• Portfolio advisory

• Client reporting

• VIP concierge service

• Financing

• Premium VISA cards

• Family office

• Trust services

• Core investment products

• Structured products

• Investment research

• Discretionary portfolio

Management

• Takaful insurance

Our Investment Process

Profile

Plan

AdviseExecute

Review

Portfolio Selection

Conservative Balanced Growth

Alt. Investments

Cash Mgmt.Equities

Fixed Income

Alt. Investments

Cash Mgmt.Equities

Fixed Income

Alt. Investments

Cash Mgmt.Equities

Fixed Income

Product Portfolio

Example of a Growth PortfolioThe customer portfolio should contain asset types

that provide a range of risk-return characteristics.

To categorise the asset types in a simpler way, PBG

offers two types of holdings for its customers:

Core holdings

• Asset classes include equity, fixed income and

cash

• Comparatively more liquid and lower risk

investments

• Delivered through best in class regional direct

equities, Sukuks and Sharia compliant funds

Alternative holdings

• More sophisticated investment products that

have a

higher risk/return profile and are lower on

liquidity

• Include PE funds, Structured Products, RE funds

etc.

IjaraProducts

StructuredProducts

Insurance(Takaful)

Commodities Real Estate

RE Products

Private Equity

Concierge

Private Office

Family Office Vision 

Privately held professional entity established to

manage the investments, business affairs and

philanthropic interests of a high net-worth family.

A Family Office will enable you to:

• Implement a strategy

• Effectively diversify, manage and enhance wealth

• Strike a balance between business and family

interests

• Assist with family communication and through a

charter help to unite a family

• Transfer wealth

• Co-ordinate management activity

• Increase financial leverage

• Mitigate against conflicts of interest and

• Enjoy a chosen lifestyle

Private Office

Types of Family Office Structures

No Structure

• Delegated responsibility for central 'family' tasks to

nominated family member (plus private secretary)

• Family serviced by family business employees

Corporate

• Family Office Management company

• Family investment vehicles / Asset holding companies

Trust / Foundation Structure

• Private Trust Company may perform or co-ordinate

services

• WAQF

Pooled Investment Vehicles

• General investment partnership

• Family Limited Partnership

• Investment company with JV / shareholders’ agreement

• Regulated or unregulated Investment Funds

Bringing the world to you

WakalaCASA

MM Fund4

Sukuk Trading

ADIBAsset Management

Mon

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und

s

Suk

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Fun

ds

Man

aged

Fun

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Man

aged

Fun

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Clo

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Fun

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Target Product Portfolio

Cash and Deposits Fixed Income Equities Commodities Alternative

GCC

ASPAC / EM

Global

USA

Europe

A life-long partner for you and your Family

Investing with integrity

Creating security for you and your loved ones

Building and preserving wealth for future generations