ADIB 9M 2023 Earnings Report

= UAE Banking Sector Update (1) Modest financing growth in recent years reflecting economic conditions and banking sector penetration Financing, Advances & Overdrafts (AEDbn) = Size of the UAE Banking Sector = QoQ +4% 1,873 1,879 1,896 1,945 1,953 3Q 22 4Q 22 1Q 23 2Q 23 Aug-23 +0.3% +1% +3% +0.4% Bank Deposits (AEDbn) +10% 2,187 2,222 2,306 2,382 2,404 3Q 22 4Q 22 1Q 23 2Q 23 Aug-23 QoQ +2% +4% +3% +1% Sources: UAE Central Bank, Economic Intelligence Unit مصرف أبوظبي الإسلامي ADIB UAE Gross Banking Assets (Aug 2023) AED 3.9, tr UAE Gross Banking Assets (as % of GDP) 209% Market Landscape (Aug 2023) 83% Share of Conventional Banks (Total Assets) 17% Share of Islamic Banks (Total Assets) 12% Share of Foreign Banks (Total Assets) 13

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