Investor Presentaiton

Public = Update on Strategy Progress ADIB continued to deliver on its strategy in 2023 Continuous Innovation Key product launches • Salary cash back campaign • Exceed loyalty program Segment Focused • Volt auto finance . Digital on-boarding for business banking • New cash back card • Istrikrar home finance UAE Nationals +67,000 New to bank UAE Nationals Amwali Youth Account 10,701 Accounts Asset Management $135 mn Global Sukuk Fund Grow wholesale banking Retail sales +5% +17% Financing growth YoY Asset growth YoY Digital Elevate customer experience Bank of the future Excellence 91% Overall STP 33 new features on mobile app 80% 50% Digital sales Digital activation Sustainable Future Leader in financial conduct Sustainable finance MSCI A ESG RATINGS Attract new customers +206,000 New customers Build a modern technology foundation Leverage digital channels 63 bots 4.70/5 4.54/5 AppStore rating Google Play rating مصرف أبوظبي الإسلامي ADIB Payment Service AED 3.9 mn Revenue Deepen relationships 1.50 Cross-sell Ratio Data driven organization ACE command center Grow human capital Best customer experience AED 5.4 billion 40% Emiratization rate #1 Number 1 bank NPS in UAE: 60% 78% Employee Engagement Index 22

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