ADIB 9M 2023 Earnings Report

مصرف أبوظبي الإسلامي = Income Statement 53% YoY growth in Net income in 9M 2023 underscored by increase volume transactions and margins Net Income (AEDmn) ADIB Net Income Movement YoY (AEDmn) +53% 1,600 1,424 1,400 1,224 1,167 1,102 1,200 1,010 1,000 800 600 473 1,705 2,452 400 3,750 -486 -218 -175 200 0 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 +61% Profit after Funded income Non-funded Expenses zakat & tax income 9M 22 +28% Impairments Zakat & tax Profit after zakat & tax 9M 23 +29% +62% +1,347% Income Statement Highlights - Net Income Movement by Segment (AEDmn) AED (mn) 9M 2023 9M 2022 A% 3Q 2023 3Q 2022 A% +53% Funded income 4,506 2,802 +61% 1,577 1,132 +39% Non-funded income 2,188 1,715 +28% 853 546 +56% 868 143 97 66 149 241 3,750 2,452 Revenues 6,694 4,516 +48% 2,430 1,678 +45% -265 Operating expenses (2,185) (1,699) +29% (740) (539) +37% Provision for impairment (571) (352) +62% (202) (125) +61% Profit after zakat & tax 9M 22 Retail Wholesale Private Treasury Real Estate Associates and subs. Other Profit after zakat & tax 9M 23 Net Income after zakat and tax 3,750 2,452 +53% 1,424 1,010 +41% +77% +35% +348% -65% +1,391% +54% +123% 25

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