ADIB 9M 2023 Earnings Report

= Key Pillars of ADIB's ESG Strategy ADIB's initiatives distributed under three strategic pillars Maximize Positive Impact The world's most Innovation Islamic bank Sustainable Future Embed Sustainability and ESG framework into our existing Islamic banking DNA Be A Lifelong Partner مصرف أبوظبي الإسلامي ADIB Maintain High Standards of Governance 1. Issue sustainable/ green finance products 2. Develop a net zero strategy including finance emissions 3. Launch sustainable finance framework 4. Integrate ESG considerations and due diligence in investment & finance decisions 5. Be part of equator principles and PRB 6. Build internal capabilities to support customers' transition to low carbon economy 1. Develop financial inclusion policy and programs 2. Establish financial literacy programs for SMEs 3. Develop a gender diversity strategy 4. Develop Employee wellbeing plan 5. Become an increasingly learning- oriented organization 6. Implement Emiratization strategy 7. Drive social responsibility via community engagements and volunteerism 1. Integrate ESG in governance structure 2. Develop ESG procurement strategy 3. Cultivate ESG driven culture through trainings and Key Performance Indicators 4. Attain best-in-class data privacy and cybersecurity 5. Report on ESG as per market and legal requirements 20

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