# Abu Dhabi Commercial Bank (ADCB)

> Source: https://docs.barcoder.ai/docs/wallets/adcb-uae
> research date 2026-06-01 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [ADCB — official](https://www.adcb.com/)

## Key details

- **Parent:** assets

## Overview

**Abu Dhabi Commercial Bank (ADCB)** is **UAE commercial bank** + **ADX: ADCB** + **Abu Dhabi Investment Council ADIC UAE Abu Dhabi government sovereign wealth fund ~62%+ controlling + UAE retail + institutional + foreign investors free float** + **one of UAE's largest commercial banks by assets** + **founded Jul 1 1985 in Abu Dhabi UAE via consolidation of Khalij Commercial Bank + Emirates Commercial Bank + Federal Commercial Bank + 2019 Union National Bank UNB + Al Hilal Bank consolidation** <sup>[1][1], [United Arab Emirates report](https://docs.barcoder.ai/docs/payments/AE)</sup>.

## History

**Jul 1 1985 — Abu Dhabi Commercial Bank ADCB founded in Abu Dhabi UAE via consolidation of Khalij Commercial Bank + Emirates Commercial Bank + Federal Commercial Bank under Abu Dhabi government sovereign wealth fund consolidation** distinctive UAE banking heritage.

**May 1 2019 — ADCB completes ~$13.7B consolidation with Union National Bank UNB + Al Hilal Bank under Abu Dhabi Investment Council ADIC** distinctive UAE banking consolidation as one of UAE's largest banking mergers.

**2014 — ADCB Mobile banking app launch**.

## Ownership & operator

**Operating entity**: **Abu Dhabi Commercial Bank ADCB** (UAE commercial bank; ADX: ADCB).

**Major shareholders**: **Abu Dhabi Investment Council ADIC (UAE Abu Dhabi government sovereign wealth fund) ~62%+ controlling + UAE retail + institutional + foreign investors free float**.

**Regulators**: **Central Bank of UAE CBUAE + national regulators across 3+ countries**.

## Technical integration

ADCB Mobile app (iOS + Android) + adcb.com online + ADCB branch network across UAE + India + UK international branches + ADCB Visa + Mastercard + American Express cards; EMVCo QRCPS QR payments + Aani UAE national instant payments + AED Emirati Dirham domestic transfers.

## Implementations & partners

**ADCB Islamic banking subsidiary**: [Al Hilal Bank](https://docs.barcoder.ai/docs/wallets/al-hilal-bank) (Al Hilal Bank; UAE Islamic commercial bank; ADCB UAE parent ~100%+ controlling post-May 1 2019 consolidation; relaunched 2023 as digital-first Islamic commercial bank).

**Major UAE banking + payments competitors**: First Abu Dhabi Bank (First Abu Dhabi Bank FAB; ADX: FAB; UAE's largest commercial bank by assets) + [Emirates NBD (ENBD X)](https://docs.barcoder.ai/docs/wallets/emirates-nbd) (Emirates NBD Bank; DFM: EMIRATESNBD; UAE commercial bank; ~9M+ Emirates NBD customers globally) + [Mashreq NEO + NEOPAY (UAE)](https://docs.barcoder.ai/docs/wallets/mashreq-neo) (Mashreq Bank; DFM: MASB; UAE commercial bank) + [Dubai Islamic Bank (DIB)](https://docs.barcoder.ai/docs/wallets/dubai-islamic-bank) (Dubai Islamic Bank DIB; DFM: DIB; UAE's largest Islamic commercial bank by assets) + [Abu Dhabi Islamic Bank (ADIB)](https://docs.barcoder.ai/docs/wallets/abu-dhabi-islamic-bank) (Abu Dhabi Islamic Bank ADIB; ADX: ADIB; UAE Islamic commercial bank) + [RAKBANK](https://docs.barcoder.ai/docs/wallets/rakbank) (RAKBANK; ADX: RAKBANK; UAE commercial bank).

**Regulators**: Central Bank of UAE CBUAE + national regulators across 3+ countries.

## Status

**Active, UAE commercial bank + ADX:ADCB + Abu Dhabi Investment Council ADIC UAE Abu Dhabi government sovereign wealth fund ~62%+ controlling + UAE retail + institutional + foreign investors free float + one of UAE's largest commercial banks by assets + founded Jul 1 1985 in Abu Dhabi UAE via consolidation of Khalij Commercial Bank + Emirates Commercial Bank + Federal Commercial Bank + 2019 Union National Bank UNB + Al Hilal Bank consolidation** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.adcb.com/ "ADCB — official"
[2]: https://en.wikipedia.org/wiki/Abu_Dhabi_Commercial_Bank "ADCB — Wikipedia"
[ae-cro]: https://docs.barcoder.ai/docs/payments/AE

- [1] [ADCB — official][1]
- [2] [ADCB — Wikipedia][2]
- <sup>[United Arab Emirates report](https://docs.barcoder.ai/docs/payments/AE)</sup> In-corpus: `reports/countries/AE-united-arab-emirates.md`

## Source

Biography extracted from [adcb-uae.md](https://docs.barcoder.ai/source/wallets/adcb-uae). See `matrix.md` for standards-support matrix if present.