ADIB 9M 2023 Earnings Report

= Update on Strategy Progress ADIB continues to deliver on its strategy in 2023 Continuous Innovation Key product launches • Salary cash back campaign Digital on-boarding for business banking ⚫ New cash back card UAE's first long term home finance fixed rate • Remittance programs to new corridors Amwali Youth Account 10,701 Accounts Asset Management $142 mn Global Sukuk Fund Segment Focused UAE Nationals Grow wholesale banking Retail sales Attract new customers +52,300 +7% +14% +157,000 New to bank UAE Nationals Financing growth YoY Asset growth YoY New customers مصرف أبوظبي الإسلامي ADIB Payment Service AED 3.9 mn Revenue Deepen relationships 1.50 Cross-sell Ratio Digital Excellence Digitize processes Digitize channels Automate processes Leverage digital channels Paperless strategy: 91% Overall STP 98% Payments: Volumes received from Mobile App & Online Channels 49% Personal finance 63 bots 4.70/5 4.54/5 AppStore rating * Google Play rating 5m Papers Saved (2022) Sustainable Future Leader in financial conduct Employer of choice Included in ESG MSCI MSCI GRI Sustainable Derions ESG RATINGS Leaders Index $2bn in sustainable finance 78% Employee engagement index Best customer experience #1 Number 1 bank NPS in UAE: 78% 17

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