ADIB 9M 2023 Earnings Report

= ADIB Key Highlights ADIB is a leading UAE Bank and one of the largest Islamic banks world-wide Presence in 7 markets United Kingdom Iraq Qatar Egypt United Arab Emirates Sudan Saudi Arabia Employees 5,000 Customers 1.2mn Solid Ratings Value Drivers (9M 2023) ROE 26.4% ROA 3.02% Market Cap* P/B Ratio AED 39bn MOODY'S A2 Stable Outlook Fitch Ratings A+ Stable Outlook MSCI ESG RATINGS A * At 01/11/2023 مصرف أبوظبي الإسلامي ADIB Market leader CASA Ratio 65.6% Net Profit Margin 4.48% Cost of Risk 0.50% 2.16x Total Assets AED 184bn Financing AED 118b bn EPS Investments Deposits AED0.91 AED 23bn AED 152b bn Net Income C/I Ratio AED 3.75bn 32.6% Revenues AED 6.7bn CAR 18.0% LO 5

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