Investor Presentaiton

= Income Statement 30% growth in profitability underscored by positive increases in our assets, revenue and gross financing Net Income (AEDmn) Net Income Movement YoY (AEDmn) مصرف أبوظبي الاسلامي ADIB 800 700 728 715 726 600 608 501 493 +30% 500 400 300 139 1,109 82 112 2 1,442 200 -2 100 0 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 Profit after zakat & tax 1H 21 Funded income Non-funded income Expenses Impairments Zakat & tax Profit after zakat & tax 1H 22 +5% +11% -0% -38% +31% Income Statement Highlights AED (mn) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% Net Income Movement by Segment YoY (AEDmn) +30% Funded income 1,669 1,587 +5% 880 803 +10% 160 26 1,109 103 140 1,442 6 Non-funded income 1,169 1,057 +11% 549 506 +8% -101 Revenues 2,838 2,644 +7% 1,429 1,309 +9% Operating expenses (1,160) (1,162) -0% (583) (570) +2% Profit after zakat & tax Retail Wholesale Private Treasury Real estate Other Provision for impairment (227) (367) -38% (114) (233) -51% 1H 21 Profit after zakat & tax 1H 22 Net Income after zakat and income tax 1,442 1,109 +30% 726 501 +45% +19% -160% -171% -26% -738% +184% 28

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