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= UAE Banking Sector Update (2) Moderation of sector liquidity, higher rates environment improving profitability مصرف أبوظبي الإسلامي ADIB = Capitalization (%) Liquidity (%) 19% 18.5% 90% 18.2% 76.4% 75.6% 17.8% 74.8% 76.5% 80% 73.8% 18% 17.5% 17.4% 70% 17% 60% 17.4% 17.0% 50% 16% 16.6% 16.3% 16.2% 40% 15% 15.6% 30% 15.3% 17.3% 19.1% 19.7% 20.8% 20.7% 20% 14% 14.8% 14.5% 14.4% 10% 13% 0% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 -CET1 ratio T1 ratio CAR ratio 3Q 22 4Q 22 Lending to Stable Resources Ratio 1Q 23 2Q 23 3Q 23 Eligible Liquid Assets Ratio (ELAR) - Interest Rates (%) Yield and Funding Cost (%) 6% 5.15% 5.31% 7% 6.30% 6.00% 4.92% 6% 5% 5.10% 4.95% 5.06% 5% 4.30% 4% 4.72% 3.80% 4% 3% 2.40% 1.95% 3% 2.00% 2.20% 2% 2.28% 2% 1.40% 0.80% 0.90% 1% 1.77% 1% 0% 0% 9M 22 FY 22 LIBOR: USD 3M Average 1Q 23 1H 23 EIBOR: AED 3M Average 9M 23 1Q 22 1H 22 Average cost on bank deposits 9M 22 FY 22 1Q 23 Average yield on credit Sources: UAE Central Bank, S&P Capital IQ Public 14

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