ADIB 9M 2023 Earnings Report

- Wholesale Wholesale net profit increased 35% YoY driven by higher funded income, decline in impairment charges and tax Profit After Tax & Zakat Movement YoY (AEDmn) +35% 38 186 412 555 -3 -71 -7 Profit after tax Funded income Non-funded & zakat income Operating expenses Impairment charge Tax & Zakat Profit after tax 9M 22 excluding impairments & zakat 9M 23 +35% +15% +1% +46% +77% Customer Financing, Gross (AEDbn) +3% مصرف أبوظبي الإسلامي ADIB Cost Income Ratio (%) 26.3% 26.5% 23.0% 22.5% 20.8% 9M 22 FY 22 1Q 23 1H 23 9M 23 Cost of Risk (%) 0.47% 0.66% 0.55% 0.62% 0.59% 9M 22 FY 22 1Q 23 1H 23 9M 23 Deposits (AEDbn) +34% 43.8 44.1 43.6 44.1 45.1 32.0 32.5 27.3 24.3 24.5 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 QoQ +1% -1% +1% +2% QoQ +1% +11% +17% +2% 40

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