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Public = Revenues and Expenses Robust revenue and operating expense trends with improving net profit margin and positive jaws Revenues (AEDmn) Net Profit Margin (%) مصرف أبوظبي الإسلامي ADIB 6.00% +12% CAGR 5.00% 4.50% 4.25% 9,294 4.00% 3.51% 3.56% 3.09% 6,835 5,915 5,358 5,560 3.00% 2.00% 1.00% 0.00% 2019 2020 2021 YOY -9% +4% 2022 +23% 2023 +36% 2019 2020 2021 2022 2023 = Expenses (AEDmn) Cost To Income Ratio (%) 60.0% +4% CAGR 50.0% 44.9% 3,061 2,653 40.0% 45.7% 40.7% 34.9% 32.9% 2,450 2,260 2,387 30.0% 20.0% 10.0% 0.0% 2019 2020 2021 YOY -8% -8% 2022 +6% 2023 2019 2020 2021 2022 2023 +28% 49

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