Investor Presentaiton

Public - - - Operating Expenses مصرف أبوظبي الإسلامي ADIB Significant cost to income ratio improvement helped by higher income and operational efficiency amid ongoing transformation investments Cost To Income Ratio (%) Expenses Movement YoY (AEDmn) -198bps +28% 34.9% 35.7% 33.9% 32.6% 32.9% 243 21 310 3,061 2,387 100 FY 22 1Q 23 1H 23 9M 23 FY 23 Expenses FY 22 One-off reversal FY 22 Employee costs General & admin costs Depr'n & Amort'n Expenses FY 23 QoQ +74bps -176bps -125bps +29bps +20% +39% +7% Expenses (AEDmn) +27% Expenses Composition (%) Depreciation 10.5% 876 321mn 726 719 740 688 4Q 22 QoQ 1Q 23 2Q 23 3Q 23 4Q 23 +6% -1% +3% +18% Amortisation of intangibles 0.5% 15mn General & administrative costs FY 23 3,061mn Employee costs 28.5% 874mn 60.5% 1,851mn 32

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