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About FAB Group

About First Gulf Bank

FAB, the UAE’s largest bank and one of the world’s largest and safest institutions, offers an extensive range of tailor-made solutions, and products and services, to provide a customised experience. Through its strategic offerings, it looks to meet the banking needs of customers across the world via its market-leading Corporate and Investment Banking and Personal Banking franchises.

Headquartered in Abu Dhabi in Khalifa Business Park, the bank’s international network spans five continents, providing the global relationships, expertise and financial strength to support local, regional and international businesses seeking to do business at home and abroad. In line with its commitment to put customers first, to Grow Stronger, FAB will continually invest in people and technology to create the most customer-friendly banking experience, and will support the growth ambitions of its stakeholders across countries in which the bank operates.

To empower its customers and clients to Grow Stronger, FAB initiated a powerful movement, which goes beyond banking. The Grow Stronger movement represents the bank’s promise to support its stakeholders’ goals and growth ambitions, providing ideas, tools and expertise to help them become stronger.

Our Vision

Creating value for our customers, employees, shareholders and communities to grow stronger through differentiation, agility and innovation.


We empower our customers to grow stronger through choice, convenience, and customized products and services.


We create an environment where our people can leverage their strengths and excel in their performance.


We deliver superior and sustainable returns to our shareholders.


We build a legacy of positive change in our communities.

Personal Banking strategic focus

Dominant personal bank in UAE

  1. Bank of choice across key segments in Abu Dhabi, and enhanced market share in Dubai and Northern Emirates
  2. Multichannel and ‘smart’ distribution model leveraging on digital solutions
  3. Leader in everyday banking anchored in payment solutions and cards
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Regional wealth adviser of choice

  1. Access new high growth HNWI segments
  2. Use global network to expand product and service range
  3. Deepen existing relationships with increased cross-sell

Corporate and Investment Banking strategic focus

International business built around UAE knowledge and relationships

  1. Access new high growth HNWI segments
  2. Use global network to expand product and service range
  3. Deepen existing relationships with increased cross-sell
Learn more

Trusted partner to CIB customers

  1. Leverage scale and cross-sell to deepen client relationships and increase share of wallet in UAE and abroad
  2. Preferred banking partner for government and government related entities
  3. One-stop shop banking partner for large corporates and mediumsized businesses

Our integration journey

We have achieved great success in our integration journey, delivering all planned milestones in 2017 as well as exceeding our cost synergy realization targets and improving operating efficiency.

“The success of our integration journey so far comes as a result of the strong commitment to our plans across the bank. 2017 was a year of transition for us and we are confident that 2018 will be a year of consolidation and growth.”

Abdulhamid Saeed

Group Chief Executive Officer


  1. 3 July: FGB-NBAD merger announcement
  2. Appointment of Chief Integration Officer and external consultants
  3. Integration Steering Committee (ISC) and Integration Management Office (IMO) established
  4. Appointment of Senior Leadership team
  5. Merger approved by shareholders at General Assembly Meeting
  6. Filing of special resolution and credit objection period


  1. 2 April: merger completion; first day of trading of new shares
  2. Name change to First Abu Dhabi Bank (FAB) approved by shareholders at General Assembly Meeting
  3. Harmonization of Group policies and risk framework, finalization of organisational structure and operating model, and network optimization
  4. CIB product and pricing harmonization completed
  5. Launch of new brand identity and brand roll-out across local and international network
  6. Subsidiaries: Integration of real estate and property management businesses completed, integration of Islamic finance subsidiaries on track; brokerage business re-branded

Milestones to be delivered in 2018

  1. IT system integration on track to be completed around the end of 2018
  2. PBG product and pricing harmonization
  3. Strategic review and implementation of international value proposition
  4. Ongoing UAE and international network optimization
  5. Ongoing process refinements, simplification and automation

Our integration journey in numbers


IT system integration on track to be completed around the end of 2018


Cost synergies annual run-rate 2020 target, up from a previous target of ~AED 1 billion


Estimated one-off integration costs over 2017-2019


2017 cost-income ratio (ex-integration costs), notably improving from 2016 level (28.3%)

Corporate & Investment Banking

Our Corporate and Investment Banking group operates a client driven model with local and international expertise, designed to ensure our clients are set up for success and grow stronger wherever they operate or choose to do business.


Personal Banking

Our products are designed with the flexibility to service all your personal banking needs including accounts, credit and debit cards, loans, insurance and savings allowing you to take control of your finances.


Private Banking

Protecting your wealth is one of our core services, whether your goal is to preserve your capital, enhance investment performance or seize opportunities available in the market, our private banking develops the strategies most suitable to your individual needs.

Contact Us


Tel: +1 202 842 7900

Fax: +1 202 842 7955


First Abu Dhabi Bank USA N.V.

1430 K Street, NW,

Suite 400, Washington

DC 20005, U.S.A.

Opening Hours

Monday to Friday

9:00 am to 5:00 pm

Customer Enquiries

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