Investor Presentaiton

= Retail 19% retail profit increase driven by growth in customer financing and lower provisions Profit After Tax & Zakat Movement YoY (AEDmn) Cost Income Ratio (%) 93 7 558 +19% 14 65.0% 57.5% مصرف أبوظبي الاسلامي ADIB 60.1% 59.7% 59.1% 57.4% 55.5% 661 45.0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 1H 22 -10 Cost of Risk (%) Profit after tax & Funded income Non-funded zakat income 1H 21 +8% +2% Operating expenses excluding impairments -2% Impairment charge Profit after tax & 0.2% 0.1% 0.1% 0.5% 0.0% zakat 1H 22 0.2% +19% -1.0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 1H 22 Customer Financing, Gross (AEDbn) +5% Deposits (AEDbn) +5% 47.5 47.6 48.1 48.9 49.8 51.4 72.7 73.6 74.3 75.3 77.4 79.2 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ +0% +1% +2% +2% +3% QoQ +1% +1% +1% +3% +2% 41

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