ADIB 9M 2023 Earnings Report

= Funded Income Strong growth in funded income driven by strong business volumes and higher rates with NPM improving 113 bps Net Profit Margin (%) مصرف أبوظبي الإسلامي ADIB ☐ Net Profit Margin Movement YoY (%) 8% +113bps 7% 6.14% 6.36% 6.61% 0.45% 6% 0.83% 0.14% 4.33% 4.41% 1.07% 4.48% 5% 4.48% 3.44% 3.73% 0.39% 3.35% 4% 3% 2% 3.13% 3.35% 3.56% 4.35% 1.70% 1.97% 1.82% -1.74% 0.74% 1% 0.30% 0.37% 0% 1H 22 9M 22 FY 22 1Q 23 1H 23 9M 23 Net profit margin 9M 22 Retail Wholesale financing financing FI Interbank Placements Cost of funding Other Net profit margin 9M 23 Gross margin Cost of funding Net profit margin - Net Revenue from Funding Activities Composition (AEDmn) Associates and subs. 17.4% 783mn Other 8.8% 398mn Treasury -15.4% -695mn Private 4.2% 189mn 9M 23 4,506mn Net Revenue from Funding Activities Movement YoY (AEDmn) +61% 743 315 836 37 134 601 Retail 69.0% 2,802 3,110mn Wholesale Net revenue from funding activities 9M 22 Retail Wholesale Private FI Treasury & Others Associates & Subs. 16.0% 720mn +30% +129% +53% +168% +111% 4,506 -962 Cost of Funding Net revenue from funding activities 9M 23 +302% 26

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