Investor Presentaiton

Public Impairments Broadly stable impairment charge YoY and COR is at a comfortable 49bps for FY 2023 Impairments Movement YoY (AEDmn) 93 769 -90 -29 -1% 112 69 -163 760 = Impairments (AEDmn) -55% 416 مصرف أبوظبي الإسلامي ADIB 223 202 189 146 Impairments Retail Wholesale Private Treasury FY 22 Associates and subs Others Impairments FY 23 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 +75% -31% -99% +271% +99% -87% QoQ -65% +52% -9% -6% - Cost Of Risk (%) = Impairments Composition (%) 0.8% 0.66% 0.66% 0.7% 0.62% 0.55% 0.6% 0.5% 0.58% 0.4% 0.29% 0.3% 0.34% 0.2% 0.30% 0.23% Associates and subs 0.49% 29.5% 224mn 0.48% 0.44% 0.50% Others 0.36% 0.31% 3.2% 24mn 0.1% Treasury 0.0% FY 22 Group 1Q 23 1H 23 9M 23 FY 23 12.5% 95mn Retail Wholesale FY 23 760mn Retail 28.6% 218mn Wholesale 26.2% 199mn Private 0.0% 0.2mn 33

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