Abu Dhabi Islamic Bank PJSC is a United Arab Emirates-based company, which carries out full banking services in accordance with Islamic Sharia. The Company operates in following segments: Global Retail banking, which include small and medium businesses and individual customers’ deposits, and providing consumer and commercial Murabaha, and Ijara, among others; Global Wholesale banking, which includes financing and other credit facilities and deposits and current accounts; Private banking, which include financing and other credit facilities, deposits and current accounts; Treasury, which include money market, trading and treasury services, among others; Real estate, which include subsidiaries of the Bank handling the acquisition, selling, development, and leasing, among others; Associates and Subsidiaries, which Includes Banks subsidiaries not included above, associates and joint ventures; and Other operations, which comprises mainly of Head Office including unallocated costs.