ADIB 9M 2023 Earnings Report

= Business Segments ADIB's business is comprised of 4 main segments % of Group Revenue Business Segment Description DOOO Retail Banking مصرف أبوظبي الإسلامي ADIB Targets individuals and SME entities with main focus on UAE Nationals and mass affluent segment Product ranges offered include everyday banking products such as current accounts, deposits, cards, finance, wealth products, etc. Wholesale Banking Treasury Focuses on large corporates, Governments, GRES and Fls Product offerings include investment and corporate finance, corporate banking, contracting and commercial banking, transaction banking, liquidity, trade finance, payments and cash management services. ADIB offers wholesale banking internationally in Iraq, Qatar and Sudan. Offers risk management; an active investor in the global sukuk market, offering investment opportunities to customers and using debt assets to manage the bank's balance sheet. Expertise in FX, rates, hedging, money markets, equity and debt execution. Treasury also manages ADIB's balance sheet and asset/liability mix. Other, incl. Associates and Subsidiaries ADIB is present in the following countries for the following services: • ADIB UAE offers private banking and real estate asset class • ADIB Egypt caters to the needs of corporate and retail customers. • ADIB UK offers commercial and industrial real estate asset class 6

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