ADIB 9M 2023 Earnings Report

= Retail 113% Retail profit increase driven by growth in funded income Profit After Tax & Zakat Movement YoY (AEDmn) Cost Income Ratio (%) 1,133 +77% 984 75 -121 -70 2,001 Profit after tax & Funded income Non-funded zakat income 9M 22 +46% +18% Operating expenses excluding impairments +9% Impairment charge Profit after tax & zakat 9M 23 +107% Customer Financing, Gross (AEDbn) +11% 53.1% مصرف أبوظبي الإسلامي ADIB 51.1% 43.8% 41.6% 40.9% 9M 22 FY 22 1Q 23 1H 23 9M 23 Cost of Risk (%) 0.16% 0.34% 0.29% 0.30% 0.23% 9M 22 FY 22 1Q 23 1H 23 9M 23 Deposits (AEDbn) +9% 52.7 53.7 55.1 56.5 58.4 81.2 81.9 86.5 88.5 88.9 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 QoQ +2% +2% +3% +3% QoQ +1% +6% +2% +0% 39

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