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Public = Funded Income Strong growth in funded income driven by strong business volumes and higher rates with NPM improving 94bps Net Profit Margin (%) - مصرف أبوظبي الإسلامي ADIB = Net Profit Margin Movement YoY (%) 8% 6.61% 6.78% 6.36% 7% 6.14% +94bps 0.40% 6% 0.73% 0.11% 0.69% 4.50% 4.35% 4.41% 4.48% 4.50% 5% 0.37% 3.56% 4.33% 4% 3.56% -1.35% 3% 1.70% 1.82% 1.97% 2.09% 2% 1% 0.74% 0% FY 22 1Q 23 1H 23 9M 23 FY 23 Net profit margin FY 22 Retail Wholesale financing financing FI Interbank placements Cost of funding Other Net profit margin FY 23 Gross margin Cost of funding Net profit margin Funded Income Composition (AEDmn) Associates and subs 18.2% 1,112mn Treasury -16.0% -980mn Private 4.1% 253mn Other 9.4% 573mn Funded Income Movement YoY (AEDmn) +47% 848 414 1,006 37 147 Retail FY 23 773 68.5% 6,122mn 4,151 4,192mn -1,252 6,122 Wholesale 15.9% 972mn Funded income FY 22 Retail Wholesale Private FI Treasury & Associates Others & subs Cost of funding Funded income FY 23 +27% +97% +36% +98% +100% +400% +211% 30

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