Investor Presentaiton

Public = Treasury Treasury net profit declined 67% from higher funding costs in rising rate environment Net Income Movement YoY (AEDmn) - 573 404 -67% 189 -4 -69 -714 Net income Funded income FY 22 Non-funded income +269% +45% Operating expenses +10% Impairment charge +271% Net income FY 23 Investments (AEDbn) +26% مصرف أبوظبي الإسلامي ADIB Cost To Income Ratio (%) 13.6% 12.2% 13.2% 14.2% 6.6% FY 22 Investment Yield (%) 2.67% 1Q 23 1H 23 9M 23 FY 23 3.54% 3.50% 3.55% 3.52% FY 22 1Q 23 1H 23 9M 23 FY 23 Customer Deposits (AEDbn) 24.5 3.0 22.6 23.0 21.0 19.4 -79% 1.8 1.5 1.1 0.6 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 4Q 22 1Q 23 QoQ +8% +8% +2% +6% QoQ -41% 2Q 23 -14% 3Q 23 -26% 4Q 23 -43% 45

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