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Investor Presentaiton

= Investment Highlights Strong Management, Solid Fundamentals and Clear Strategy Public ☐ Clear Strategy Strengthen Islamic leadership position Deepening customer relationships Create productivity and efficiency gains Focus on innovation and digital " Deliver sustainable growth Strong Fundamentals ■ Strong liquidity and funding profile with ELAR at 21.0% Healthy credit quality with stable NPAs, low cost of risk and adequate coverage Solid capital generation with CAR 16.8%, T1 15.7%, CET1 12.2% Strong financial track record 27.1% ROE- highest in the market Highly profitable organisations with a 16% 5Y CAGR in net income Efficiently run bank with Cost to income ratio below 33% 7 1 60 مصرف أبوظبي الإسلامي ADIB 5 Strong Capitalisation ■ Strong capitalisation ratios ■ Strong Buffers ■ Strong distance to MDA ■ Strong Coverage of MDA and ADI 2 4 3 مصرف أبوظبي الإسلامي ADIB Experienced management Best in class management team Extensive banking experience with leading regional and global banks Ongoing investment in talents Unique market position ◉ N1 Bank for Emiratis ☐ One of the highest NPB deposit ratios Best performing share price Strong brand association ☐ Maximising positive impact A Group wide sustainability strategy Sustainable Finance FRAMEWORK Included in MSCI EM ESG Leaders 9

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