Investor Presentaiton

Public = 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 (FY 2023) مصرف أبوظبي الإسلامي ADIB Market leader Net Profit Margin 4.50% Cost of Risk 0.49% ROE 27.1% ROA 2.91% CASA Ratio 65.3% Market Cap* P/B Ratio AED37bn 1.80X Total Assets AED 193 b Financing AED 115bn Net Income AED 5.25 bn C/I Ratio 32.9% MOODY'S A2 Fitch Ratings A+ MSCI ESG RATINGS A EPS AED 1.28 Investments AED 24 bp bn Stable Outlook Stable Outlook *at 31/12/2023 Deposits AED 157bn Revenues AED 9.3 bn CAR 16.8% LO 5

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