Investor Presentaiton

Public - Wholesale Wholesale net profit increased 35% YoY driven by higher funded income, decline in impairment charges and tax Net Income Movement YoY (AEDmn) Cost To Income Ratio (%) +90% 90 100 240 460 -6 -11 873 26.5% FY 22 Cost of Risk (%) 0.66% مصرف أبوظبي الإسلامي ADIB 23.0% 22.5% 20.8% 20.4% 1Q 23 1H 23 9M 23 FY 23 0.55% 0.62% 0.66% 0.44% Net income FY 22 Funded income Non-funded income +33% +33% Operating Impairment expenses charge +2% Tax & zakat Net income FY 23 -31% +90% FY 22 1Q 23 1H 23 9M 23 FY 23 Customer Financing, Gross (AEDbn) Customer Deposits (AEDbn) +2% +38% 44.1 43.6 44.1 45.1 45.0 32.0 32.5 33.7 27.3 24.5 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 4Q 22 QoQ -1% +1% +2% -0% QoQ 1Q 23 +11% 2Q 23 +17% 3Q 23 +2% 4Q 23 +4% 44

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