Abu Dhabi Commercial Bank PJSC (ADCB) is a United Arab Emirates-based bank engaged in the business of retail banking, commercial banking and Islamic banking and the provision of other financial services. The Bank operates in four segments: the Wholesale banking segment comprises of business banking, cash management, trade finance, corporate finance, investment banking, Indian operations, Islamic financing, infrastructure, strategic client operations; the Consumer banking segment comprises of retail, wealth management and Islamic financing; the Investment and Treasury segment comprises of central treasury operations, management of the Bank's investment portfolio and interest rate, currency and commodity derivative portfolio and Islamic financing, and the Property management segment comprises of real estate management and engineering service operations of subsidiaries. The Bank operates through a network of 50 branches and four pay offices in the United Arab Emirates.