ADIB 9M 2023 Earnings Report

= - Impairments COR is at comfortable 50bps in 9M 2023 Impairments Movement YoY (AEDmn) 71 70 352 -35 +62% 162 57 -107 571 = Impairments (AEDmn) 125 416 +61% مصرف أبوظبي الإسلامي ADIB 223 202 146 Impairments Retail Wholesale Private Treasury 9M 22 +107% +46% -107% +282% Associates & Subs. +100% Others Impairments 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 9M 23 -131% QoQ +233% -65% +52% -9% Cost Of Risk (%) Impairments Composition (%) Associates and 0.23% 0.8% 0.66% 0.7% 0.62% 0.6% 0.55% 0.47% 0.5% 0.58% 0.4% 0.38% 0.3% 0.2% 0.16% 0.1% 0.0% 9M 22 FY 22 1Q 23 1H 23 subs 28.4% 0.59% 162mn 0.50% 0.48% Others 0.30% -4.4% 0.34% -25mn 0.29% 0.30% 9M 23 Treasury 13.5% 77mn Group -Retail Wholesale Retail 23.6% 134mn Wholesale 9M 23 39.4% 571mn 225mn Private -0.4% --2mn 29

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