Investor Presentaiton

Public = مصرف أبوظبي الإسلامي Capital and Liquidity ADIB Robust foundation across all key metrics including strong capital and liquidity ratios Capitalization Ratios (%) Liquidity Ratios (%) 20% 90% 82.1% 80.3% 78.0% 78.6% 18.0% 76.0% 17.5% 17.7% 80% 18% 17.2% 16.8% 70% 78.0% 75.7% 72.7% 74.3% 73.2% 60% 16% 16.9% 16.4% 16.5% 16.0% 50% 15.7% 14% 40% 30% 21.8% 12% 13.4% 18.9% 19.6% 18.8% 21.0% 12.8% 12.5% 12.1% 12.2% 20% 10% 10% 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 CAR ratio CET1 ratio T1 ratio Eligible Liquid Asset Ratio (ELAR) Advances to stable fund ratio (AFR) FTD Ratio RWA (AEDbn) +15% 119.9 10.4 = Capitalization (AEDbn) Total Capital Movement YoY (AEDbn) +13% +13% 134.3 138.2 24.2 5.3 23.2 20.6 10.7 10.7 1.5 20.6 1.6 1.8 2.4 4.8 1.3 4.8 1.9 4.8 -0.3 -2.6 0.3 23.2 121.8 125.2 107.5 +3% 17.9 14.5 QoQ -4% QoQ 16.9 4Q 22 3Q 23 4Q 23 4Q 22 3Q 23 4Q 23 Total Capital Profit after Tier 1 Sukuk Proposed 4Q 22 zakat & tax cost dividend Other Total Capital 4Q 23 Credit Market ■Operational CET1 Additional T1 T2 39

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