ADIB 9M 2023 Earnings Report

مصرف أبوظبي الإسلامي = Customer Financing AED 14.4bn growth in financing assets vs last year mainly due strong volumes from Retail, Government and Public sector Customer Financing, Customer Financing, Net Movement YTD (AEDbn) ADIB - Customer Financing, Net (AEDbn) = 112.6 115.0 109.3 107.7 110.0 107.3 105.0 98.2 100.0 Gross by Segment (%) +5% Private 3.6% Other +6% 1.8% 4.2bn 2.2bn 107.7 4.6 1.3 1.7 95.0 90.0 Wholesale 43.3% 3Q 23 117.6bn 114.3 0.4 -1.7 112.6 -1.4 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 50.9bn Retail 51.3% 60.3bn Customer financing net 4Q 22 Retail Government Corporate FI & public sector Associates Customer and subs. & financing net Others excl. FX impact FX impact Customer financing net 3Q 23 +9% +7% +10% -24% +9% Customer Financing, Gross by Sector (%) Other Retail Financing, Gross Retail Financing, Gross Movement YTD (AEDbn) Composition (%) +8% 1.2% 1.4bn Government & public sector 18.3% 21.5bn Real estate 5.6% 3Q 23 117.6bn Home finance 30.7% 18.5bn 3.4bn 55.9 1.5 1.0 1.9 0.4 60.3 Corporate Individual 21.5% 25.3bn 3Q 23 60.3bn Card -0.3 4.2% Auto finance 2.6bn 55.1% 13.2% 64.8bn FI 8.0bn 3.9% 4.6bn Personal finance 46.2% 27.9bn Retail financing, gross Personal finance Home finance Auto finance Card Real estate 4Q 22 Retail financing, gross 3Q 23 +6% +6% +31% +18% -9% 32

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