ADIB 9M 2023 Earnings Report

= Asset Quality, Capital & Liquidity Improving capitalization and strong, stable liquidity position mitigate challenging credit quality - مصرف أبوظبي الإسلامي ADIB NPA Ratio (%) NPA Coverage Ratio with Collaterals (%) 132.6% 10.0% 8.8% 8.9% 140.0% 127.9% 120.0% 9.0% 7.7% 110.7% 120.0% 8.0% 7.0% 100.0% 6.5% 6.0% 80.0% 5.0% 4.0% 60.0% 62.8% 71.8% 66.8% 3.0% 40.0% 57.9% 2.0% 20.0% 1.0% 0.0% 0.0% 2019 2020 2021 2022 2019 2021 2022 2020 NPA Coverage Ratio with Collaterals NPA Coverage Ratio Capitalization Ratios (%) Liquidity Ratios (%) 18.8% 18.6% 100% 20% 85.8% 84.1% 81.4% 17.2% 18% 17.9% 84.1% 80% 80.0% 16% 16.8% 17.7% 17.5% 82.4% 80.5% 78.0% 60% 12.9% 12.9% 16.0% 14% 12.1% 12.1% 40% 12% 20.7% 19.7% 18.9% 10% 8% 2019 2021 20% 19.9% 0% 2022 2019 2020 2021 2022 2020 ⚫CET1 ratio -T1 ratio CAR ratio Advances to stable fund ratio (AFR) Eligible Liquid Asset Ratio (ELAR) ⚫FTD Ratio 44

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