Abu Dhabi Commercial Bank P.J.S.C.

Abu Dhabi Commercial Bank P.J.S.C. (“ADCB) is a public joint company with limited liability, incorporated in the emirate of Abu Dhabi, United Arab Emirates (UAE). ADCB is principally engaged in the business of Retail Banking, Commercial Banking and Islamic Banking and provision of other financial services through its network of 48 branches and 3 pay offices in the UAE, 2 branches in India and 1 offshore branch in Jersey, as its subsidiaries and associates. ADCB is owned by the Government of Abu Dhabi through the Abu Dhabi Investment Council with a share of 58.08%. The bank’s assets as of 30- September-2016 are AED 255 Billion. ADCB is the 3rd largest bank in UAE and 2nd largest in Abu Dhabi in terms of total assets. ADCB is serving over 500,000 retail clients and approximately 40,000 wholesale clients. Our market share in terms of loans is 11.1% and deposits is 10.2%.

ADCB is rated as A-1 by Standard & Poor’s and F1 by Fitch on short term and rated A and A+ respectively on long term. ADCB have bagged various awards in 2016 across all products and won 5 awards especially on Trade.

ADCB provides clients with a distinct value proposition based on 3 key pillars, segmented focus, working capital solutions and market access. ADCB is a leader in Trade Finance including import and export finance, structured trade finance, documentary collections and guarantees. We also provide various value added services for various client segments such as document preparation services, receivables services, etc.

Our Wholesale Banking Group (WBG) consists of industry specific coverage teams and product partners. While Government, Government related entities, Infrastructure asset, Financial institutions, Corporate and Business banking teams are part of coverage, Investment banking, Transaction Banking (Cash management and Trade finance) are product specialists supporting the client’s needs. Client service department which is part of Transaction banking is a dedicated support engine (for all operational queries) for large and strategic clients across WBG.


Represented by:

Krishnakumar (“KK”)

Krishnakumar known as “KK” in the Trade Finance fraternity has been with Abu Dhabi Commercial Bank (ADCB) since mid-June 2012. KK is the Head of Trade Finance managing both Sales and Product functions within Transaction Banking in ADCB.

Prior to this he has served with Standard Chartered Bank (SCB) where he was the Head of Corporate Product Management for UAE & DIFC and has worked in various roles within SCB over the last 12 years. KK has had over 17 years of Banking experience in Trade Finance covering Operations, Product Management, Sales and Business Management and has spent a large part of his career in the Middle East & India.

KK is a Trade finance professional since 1995 having started his career in HSBC and has helped clients in structuring trade solutions which optimize working capital requirements, providing risk mitigation structures for Open Account trade and efficient working capital solutions for Supply Chain financing.

KK is a post graduate in Management from University of Madras. He is also a graduate in Physics from St. Joseph’s College. He has completed Certified Documentary Credit Specialist (CDCS) in Trade Finance and also a factoring expert having completed his Advance Level Factoring course with Factors Chain International (FCI).

T: +971 (4) 518 0829
M: +971 50 7952566