Investor Presentaiton

= Funded Income Net profit margin saw a 21bps rebound from 1Q 2022 مصرف أبوظبي الاسلامي ADIB - Net Profit Margin (%) Net Profit Margin Movement QoQ (%) 4% 3.64% 3.50% 3.47% 3.56% 3.44% 3.23% 4% +21bps 3% 3.32% 3.15% 3.13% 3.25% 3.13% 3% 2.92% 2.92% 0.07% 0.08% 0.02% 0.02% 0.03% 3.13% 2% 2% 0.00% 1% 0.35% 0.33% 0.31% 0.31% 0.31% 0.30% 1% 0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 1H 22 Net profit margin 1Q 22 Retail financing Wholesale financing FI Treasury Cost of funding Other Net profit margin 1H 22 Gross margin Cost of funding -Net profit margin Average Profit Earning Assets (AEDbn) +5% Funded Income Composition (%) Net Revenue From Funding Activities Movement QoQ (AEDmn) Treasury 106.7 -6.6% Other 3.2% +12% 101.3 789 18 37 10 10 3 13 880 Private 11.4 9.6 11.4 4.4% 13.2 1H 22 T 30.6 34.0 Wholesale 19.1% Retail 80.0% 47.8 49.8 1H 21 Other Wholesale financing 1H 22 I Placements Incl. CD's ■Retail financing Net revenue Retail from funding financing activities 1Q 22 Wholesale financing FI Treasury Cost of funding Other Net revenue from funding activities 2Q 22 +3% +25% +80% +80% -3% +25% 30

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