Strategic Analysis of Abu Dhabi Commercial Bank

Running head: STRATEGIC ANALYSIS OF ABU DHABI COMMERCIAL BANK
Strategic Analysis of Abu Dhabi Commercial Bank
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[Name of the University]
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1STRATEGIC ANALYSIS OF ABU DHABI COMMERCIAL BANK
Executive Summary:
Strategic issues generally refers to the fundamental policy question or the critical
challenges that are responsible for having a huge impact upon the mandates, values, missions,
resources, structures, stakeholders, management, processes or product or service level. In this
report the organization ADCB or the Abu Dhabi Commercial Bank has been selected in order to
conduct an analysis of the strategic issues faced by the organization. Firstly the report has been
associated with the identification and analysis of the core strategic issues that are faced by the
organization by considering the strategic position of the organization. This has been followed by
the development of recommendations for eth needs of the organization related to the challenges
that are faced. Followed by this in the second section of the report a reflection and comment
upon the leadership behavior, the decision making process and risk management skills has been
provided. Lastly a research has been conducted along with the application of the theoretical
concepts upon the focal strategic issues has been provided.

2STRATEGIC ANALYSIS OF ABU DHABI COMMERCIAL BANK
Table of Contents
Part 1:...................................................................................................................................3
Introduction of the organization:.........................................................................................3
Discussion:...........................................................................................................................3
Personal Banking:............................................................................................................4
Islamic Banking:..............................................................................................................4
Business banking:............................................................................................................4
Investment Banking:........................................................................................................5
Strategic Issue Analysis:......................................................................................................5
Usage of multiple Channels so as to reach the new customers:......................................5
The continued rise of the Technology Disruption:..........................................................6
Security and Authentication:...........................................................................................6
Optimization of the Mobile experience:..........................................................................7
Recommendations for the strategic issues:..........................................................................8
Improvements in the Digital experience of the Customers:............................................8
Enhancement of the data analytics capability:.................................................................8
Reduction of the operational costs:..................................................................................9
Updating and replacing the Core Operating System Components:...............................10
Improved business Processes:........................................................................................10
Enhance of the Security and the Authentication:..........................................................11

3STRATEGIC ANALYSIS OF ABU DHABI COMMERCIAL BANK
Part 2:.................................................................................................................................11
CEO leadership Paper........................................................................................................11
Reflection and comment................................................................................................11
Leadership behaviors;....................................................................................................11
The decision making process:........................................................................................12
The risk management strategies:...................................................................................13
Research and application of theoretical frameworks strategic issue.................................14
References:........................................................................................................................17

4STRATEGIC ANALYSIS OF ABU DHABI COMMERCIAL BANK
Part 1:
Introduction of the organization:
Abu Dhabi Commercial Bank or the ADCB bank is one of the major bank of the UAE
which is associated with providing different kind of services as well as innovative products for
the customers. This is named so after the merger of the Khaleej bank with the Emirate
Commercial Bank and the Federal Commercial Bank in the year of 1985. This organization is
one of the public shareholding organization which is having a limited liability. The bank is also
associated with ensuring the fact that the customers are getting satisfied which is the major
objective of this organization. Besides this the bank tends to provide good services to its
customers (adcb.com, 2019). The main mission of this bank is not to forget about the fact that the
customers are always having a choice in case if they are not satisfied. The banks is associated
with treating each and every customer as a particular individual which initially results in
delivering a quality service to each and every customer. The bank is consisting of 47 branches all
across UAE and two branches in India. This bank is also having offshore operations in the
Cayman Island as well. About 65% of the Stake is owned by the Abu Dhabi Investment Council
which is a state control body in the ADCB bank. This bank was established in the year of 1985
as the Khaleej Bank which is presently considered to be the third largest bank asset in the UAE.
Discussion:
ADCB bank is consisting of four major divisions which is associated with operating the
whole business and the divisions mainly includes the personal banking, Islamic banking,
Business banking and lastly the Investment banking. The four divisions has been discussed
below:

5STRATEGIC ANALYSIS OF ABU DHABI COMMERCIAL BANK
Personal Banking:
This particular section of the bank is generally seen to be responsible for the various kind
of services such as the accounts, debits and the credit cards. Besides this this section is also
associated with regulating all the procedures related to loans bank assurances facilities and many
more (adcb.com, 2019). The division is also responsible for fulfilling all the basic requirements
of the bank and is associated with dealing with the general public issues as well.
Islamic Banking:
This is the particular division which is generally associated with providing different kind
of services in accordance to the Islamic banking regulations and is associated with offering
products as the Bai’ al-inah, Bai muajjal, Bai’ bithaman ajil, Mudarabah, Sukuk, Murabahah,
Musawamah, Ijarah, Bai salam, Qard hassan/ Qardul Hassan, Takaful, Hibah, Wadiah, Wakalah
(adcb.com, 2019). Islamic banking along with the finance is generally seen to be dependent the
principles that the Sharia is having, which is generally associated with defining the several ideas
related to marketing.
Business banking:
This particular section is generally responsible for providing of services such as the
management of cash, finance options for the entrepreneurial ventures that the businesses are
having (adcb.com, 2019). This section of the business is also responsible for dealing with the
corporate customers as well along with providing of treasury and services related to investments
as well as the trade services for the business.