ADIB 9M 2023 Earnings Report

- Outlook and Guidance Solid financial & strategic foundations drive a promising outlook for 2023 - Market Outlook - Solid GDP growth Real GDP growth (%) 7.4% 3.9% 3.4% 1 Management Guidance Gross Financing Growth Executing ADIB's growth strategy against the backdrop of an economic expansion مصرف أبوظبي الإسلامي ADIB 9M 2023 Actual FY2023 Guidance 4% YTD 5% to 8% 2021 2022 2023 = Net Profit Margin - Oil prices to remain supportive Benefit of rate hikes offset by continued competitive yield pressure 4.48% ~4.5% Brent Price/Barrel (avg) (USD) 70 2021 Inflation to moderate 102 92 - Cost of Risk 2022 2023 Stable credit quality outlook and continued build-up of prudent provisioning 0.50% 0.55% to 0.65% UAE Inflation (avg) (%) 4.8% Cost to Income Ratio 3.1% -0.1% Stable cost base from disciplined management and digital efficiencies with expected growth in revenue 32.6% Below 35% 2021 2022 2023 Expenditure expected to remain at 2022 level Government expenditure % of GDP (%) Return on Equity 26% 26% 27% Solid expected profit growth and focus on capital-efficient income growth expected to drive further ROE increase 26.4% Above 22% 2021 2022 2023 10

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