Investor Presentaiton

= Wholesale Increase in profit by 160% driven by a decrease in impairment charges Profit After Tax & Zakat Movement YoY (AEDmn) Cost Income Ratio (%) 65.0% +160% 103 23 34 1 100 -1 35.6% 32.4% 32.7% 31.9% 30.5% مصرف أبوظبي الاسلامي ADIB 260 -35.0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 1H 22 Profit after tax Funded income Non-funded & zakat income 1H 21 +8% +27% Operating Impairment expenses charge excluding impairments -1% Tax & Zakat Profit after tax & zakat 1H 22 -57% +27% Customer Financing, Gross (AEDbn) +5% Cost of Risk (%) 1.6% 1.6% 1.1% 0.9% 28.3% 0.4% 0.0% 0.4% 1Q 21 1H 21 9M 21 FY 21 1Q 22 1H 22 Deposits (AEDbn) +1% 36.9 38.0 38.8 23.1 23.4 32.5 33.3 33.6 19.1 20.5 20.9 21.9 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ +3% +1% +10% +3% +2% QoQ +7% +2% +11% -5% +7% 42

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