Investor Presentaiton

= Asset Quality, Capital & Liquidity - Improving capitalization and strong, stable liquidity position mitigate challenging credit quality NPA Ratio (%) NPA Coverage Ratio with Collaterals (%) مصرف أبوظبي الاسلامي ADIB 132.6% 10.0% 8.8% 8.9% 140.0% 127.1% 9.0% 120.0% 110.7% 120.0% 8.0% 6.5% 7.0% 100.0% 6.0% 80.0% 5.0% 4.8% 72.9% 4.0% 60.0% 3.0% 62.8% 66.8% 40.0% 57.9% 2.0% 1.0% 20.0% 0.0% 0.0% 2018 2019 2020 2021 2018 2019 2020 2021 NPA Coverage Ratio with Collaterals NPA Coverage Ratio Capitalization Ratios (%) Liquidity Ratios (%) 18.8% 18.6% 100% 17.9% 84.1% 85.8% 84.1% 20% 18% 80% 82.9% 17.2% 78.4% 17.7% 17.5% 16% 16.1% 16.8% 60% 12.9% 12.9% 14% 12.1% 40% 12% 11.3% 10% 8% 2018 2019 2020 20% 19.8% 0% 2021 CET1 ratio -T1 ratio CAR ratio 2018 80.0% 82.4% 80.5% 19.9% 20.7% 19.7% 2019 Advances to stable fund ratio (AFR) 2020 2021 Eligible Liquid Asset Ratio (ELAR) FTD Ratio 46

View entire presentation