ADIB 9M 2023 Earnings Report

= Macroeconomic Overview UAE economy continues to remain robust despite global headwind GDP growth continues to outperform global economies driven by rising oil prices, domestic consumption and liquidity Real GDP Growth (%) and Nominal GDP (AEDbn) Rising oil prices to improve economic outlook Brent Price/Barrel (Avg) (USD) 15% مصرف أبوظبي الاسلامي ADIB 101.5 92.0 100 71.0 70.4 64.0 42.3 50 0 1,864 1,869 2,000 2018 10% 1,568 1,535 1,524 7.4% 1,283 5% 3.9% 3.4% 1.2% 0% 90 -5% -6.1% 1,500 3.4% = 2019 2020 Improved inflation forecasted for 2023 UAE Inflation (avg) (%) 10.0% 3.1% 1,000 0.0% -10.0% 2018 500 2021 2022 2023 4.8% 3.1% -0.1% -1.9% -2.1% 2019 2020 2021 2022 2023 Government Expenditure to GDP expected to remain stable Government Expenditure % of GDP (%) -10% 0 40% 2018 2019 2020 2021 2022 2023 UAE Nominal GDP Real GDP growth 31% 28% 30% 27% 26% 26% 27% 20% 2018 2019 2020 2021 2022 2023 INTERNAL | 12

View entire presentation