Investor Presentaiton

= - - Operating Expenses Relatively stable expenses YoY with cost to income ratio improving on positive jaws Cost To Income Ratio (%) Expenses Movement YoY (AEDmn) -306bps 44.3% 43.9% 42.2% 40.7% 40.9% 40.9% 1,162 5 -0% -1 -6 مصرف أبوظبي الاسلامي ADIB 1,160 1Q 21 1H 21 9M 21 FY 21 1Q 22 1H 22 Expenses 1H 21 Digital Infrastructure Other Expenses 1H 22 YoY -37bps -168bps -160bps +29bps -7bps Expenses (AEDmn) +2% Expenses Composition (%) Depreciation 11.2% 592 570 567 577 583 531 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ -4% -0% -6% +9% +1% Expenses Movement YoY (AEDmn) Amortisation of intangibles 2.3% -0% 1,162 3 13 1,160 General & administrative costs 1H 22 24.3% Employee costs 62.1% -17 Expenses 1H 21 Employee costs General & administrative Other Expenses 1H 22 costs +0% -6% +9% 31

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