Investor Presentaiton

= Outlook and Guidance Improving economic fundamentals and solid YTD financial performance drive a promising outlook for 2022 Market Outlook GDP growth from rising oil prices Real GDP growth (%) 2.3% -6.1% 2020 2021 Expected improvement in oil prices Brent Price/Barrel (avg) (USD) 42 2020 70 2021 Return from deflation to inflation UAE Inflation (avg) (%) 0.2% -2.1% 2020 2021 مصرف أبوظبي الاسلامي ADIB Management Guidance 1H 2022 Reported FY 2022 Guidance as at 1Q 2022 FY 2022 Guidance Revised Gross Financing Growth 4.2% Executing ADIB's growth strategy against the backdrop of an expected economic expansion +4% 5% to 7% 5% to 7% Net Profit Margin 2022 Early benefit of expected rate hikes offset by continued competitive yield pressure 3.13% 2.90% to 3.10% 3.35% to 3.45% - Cost of Risk 111 Stable credit quality outlook and continued build-up of prudent 0.42% 0.60% to 0.70% 0.60% to 0.70% 2022 provisioning - Cost to Income Ratio 2.1% Stable cost base from disciplined management and digital efficiencies with expected growth in revenue 40.9% 38% to 40% 37% to 39% = Net Income Growth 2022 Healthy financing growth, stable NPM and COR, and positive "Jaws" drive expected solid profit growth +30% 15% to 20% 20% to 25% 30% Return on Equity Expenditure expected to remain at 2020 level Government expenditure % of GDP (%) 33% 31% 2020 2021 2022 Solid expected profit growth and focus on capital-efficient income growth expected to drive further ROE increase 17.3% 15% to 17% 17.5% to 18.5% 11

View entire presentation