ADIB 9M 2023 Earnings Report

= Treasury 65% profit decline in the environment of rate hikes Profit After Tax & Zakat Movement YoY (AEDmn) Cost Income Ratio (%) 6.6% - 406 296 -65% 140 -3 -57 www........ -502 Profit after tax & Funded income zakat 9M 22 Non-funded income Operating expenses excluding impairments Impairment charge Profit after tax & zakat 9M 23 -260% +46% +9% +282% Investments (AEDbn) +21% مصرف أبوظبي الإسلامي ADIB 13.6% 12.2% 13.2% 6.6% 9M 22 FY 22 1Q 23 1H 23 9M 23 Investment Yield (%) 2.5% 3.5% 3.5% 3.6% 2.7% 9M 22 FY 22 1Q 23 1H 23 9M 23 Deposits (AEDbn) -74% 4.4 21.0 22.6 23.0 19.1 19.4 3.0 1.8 1.5 1.1 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 QoQ +2% +8% +8% +2% QoQ -32% -41% -14% -26% 41

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