ADIB 9M 2023 Earnings Report

مصرف أبوظبي الإسلامي = Non-Funded Income ADIB Strong non-funded income growth on higher investment income, F&C and FX income, underlining strategic focus on revenue diversification Non-Funded Income (AEDmn) Non-Funded Income Movement YoY (AEDmn) +56% 970 199 853 1,715 98 724 546 611 +28% 57 120 2,188 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Non-funded income Investment income 9M 22 Fees and commission income Foreign exchange Other income income Non-funded income 9M 23 QoQ +78% -37% +18% +18% Non-Funded Income Composition (%) Foreign exchange income 14.9% 325mn Risk participation 3.4% 74mn Trade related 5.2% 113mn Cards income 16.5% 360mn 9M 23 2,188mn +16% +24% +21% +2,253% Fee & Commission Income Movement YoY (AEDmn) Other 8.8% 193mn 839 44 Investment income 32.0% 700mn -30 +24% 125 54 5 1 1,038 Retail & others 19.3% Fee & commission income Retail & others Risk participation Cards income Trade related Brokerage Property management Fee & commission income 9M 22 9M 23 423mn +12% -29% +53% +92% +17% +4% 27

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