Investor Presentaiton

Public Impairments and Profitability Higher returns and reduction of cost of risk in 2022 Impairments (AEDmn) 658 2019 YOY مصرف أبوظبي الإسلامي ADIB Cost Of Risk (%) 1.40% 1.28% 1,314 +4% CAGR 1.20% 0.99% 1.00% 954 0.80% 769 760 0.55% 0.58% 0.49% 0.60% 0.40% 0.20% 0.00% 2020 2021 2022 +100% -27% -19% 2023 -1% 2019 2020 2021 2022 2023 Net Income (AEDmn) Returns (%) 35.0% +19% CAGR 30.0% 29.0% 26.3% 5,251 25.0% 18.6% 17.8% 3,619 20.0% 2,601 15.0% 11.6% 2,330 1,604 10.0% 5.0% 2.1% 1.5% 2.2% 3.1% 3.3% 0.0% 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 YOY -38% +45% +55% +45% ROAE ROAA 50

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