Investor Presentaiton

= Revenues and Expenses Stable revenue and operating expense trends Revenues (AEDmn) Net Profit Margin (%) - YOY مصرف أبوظبي الاسلامي ADIB 5.00% 4.50% -0% CAGR 4.00% 4.15% 3.50% 4.42% 4.25% 3.51% 3.25% 3.00% 5,632 5,769 5,915 5,358 5,560 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 +2% +3% -9% +4% Expenses (AEDmn) YOY -3% CAGR Cost to Income Ratio (%) 47.5% 45.0% 44.5% 2,509 2,644 2,653 2,450 42.5% 2,260 40.0% 45.8% 45.7% 44.9% 37.5% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 +5% +0% -8% -8% 40.7% 47

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