ADIB 9M 2023 Earnings Report

Impairments and Profitability Higher returns and reduction of cost of risk in 2022 =Impairments (AEDmn) Cost of risk (%) 1.50% - +7% CAGR 1.00% 1,314 0.55% 954 0.65% 620 658 769 0.50% 1.28% 0.99% مصرف أبوظبي الإسلامي ADIB 0.00% 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 YOY +6% +100% -27% -19% Profit After Zakat & Tax (AEDmn) YOY +13% CAGR Returns (%) 25.0% 19.3% 18.6% 20.0% 0.58% 21.4% 14.3% 9.6% 2.1% 1.3% 1.8% 15.0% 3,619 2,501 2,601 2,330 10.0% 1,604 5.0% 2.0% 0.0% 2018 2019 2020 2021 2022 2018 2019 +4% -38% +45% +55% ROAE 2020 ROAA 2.4% 2021 2022 46

View entire presentation