Background ADCB is 65 % held by the state-controlled Abu Dhabi Investment Council, and is the UAE 3rd-biggest deposit taking institution by assets. In mid 1985 the Khalij commercial bank was changed to form ADCB. This happened after Khalij merged with the Emirates Commercial bank and the Federal Commercial Bank. The bank operates as a limited liability company listed in the stock exchange. It was listed in the Abu Dhabi Stock Markets in 1975. The bank’s memorandum lists its activities as business and personal banking as well as investment banking. The bank at the time of registration had 33 operational offices distributed across the Kingdom. It also had an office in India and the Cayman Islands. The bank offers a variety of banking and economic services primarily in the United Arab Emirates and also in India. ADCB routes its retail, business, investment, and merchant banking services along with, brokerage and asset management activities through its interconnected units of currently 42 operational offices in the United Arab Emirates. It operates interconnected units of 137 ATMs. The Bank along with the traditional banking value offerings and services offers Shariah-compliant value offerings and services. In May 2008, ADCB officially introduced the ADCB MSCI Arabian Index Fund, a 1st-of-its-kind designed to track the activity level of a diversified basket of Arabian business arena investment holdings. In June 2008, ADCB was awarded the “Outstanding Deposit taking institution” and “Outstanding Advertising & Marketing” in the Middle East at the highly rated Banker Middle East Business sector Awards 2008. In May 2008, ADCB won the “Outstanding Retail Deposit taking institution – United Arab Emirates” and the “Outstanding Customer Loyalty Programme” at the Asian Banker Excellence in Retail Financial or economic Services Awards for 2008. During September 2008, the bank substantially altered the composition of the board of directors. In the same month, ADCB officially introduced its Islamic banking division – ADCB Meethaq – to offer Shariah-compliant economic solutions. Business Model ADCB primarily offers traditional banking along with Shariah-compliant value offerings and services. The bank is focusing on catering for simple retail and small and medium-sized companies. The ADCB is focused on providing its clients with innovative and conveniently delivered services, improving its operational procedures and raising productivity through improved systems and widening its scope. In the end of the year 2009 ADCB came forward in its innovativeness by introducing a new product by the name Pro Trade. The product is a web based infrastructural offering that is meant to make the clients able to access their accounts and perform all the operations they would need form virtually any place that is connected to the internet. This is seen as one of the attempts to adopt the emerging trends in which people prefer mobility and convenience in the services. The platform has been very beneficial to those working in international trade. The product has brought in many benefits and improved the quality of services. First the platform allows the bank to handle customers concerns throughout the day and improves on productivity as business goes on unrestricted. Secondly, and this one is on