ADIB 9M 2023 Earnings Report

Non-Performing Financing Lowest NPA ratio since 1Q 20 with cost of risk in line with guidance while coverage ratio trending within the guidance NPA (AEDmn) NPA Movement YoY (AEDmn) -10% 8,597 8,597 8,705 8,710 8,619 7,762 -10% مصرف أبوظبي الإسلامي ADIB 7,762 -599 -121 -115 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 NPA Corporate Individual FI & Other 3Q 22 NPA 3Q 23 QoQ +1% +0% -1% -10% -12% -4% -26% NPA Ratio (%) NPA Coverage Ratio (%) 8.5% 128% 129% 128% 131% 140% 122% 8.3% 8.0% 7.7% 7.7% 7.5% 120% 7.5% 100% 7.0% 6.6% 80% 6.5% 60% 68% 72% 71% 72% 70% 6.0% 40% 5.5% 20% 5.0% 0% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 2Q 23 3Q 23 4Q 22 1Q 23 NPA Coverage Ratio NPA Coverage Ratio with Collaterals 30

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