Abu Dhabi Islamic Bank · ADX:ADIB
Abu Dhabi Islamic Bank — 9M 2025 Earnings Presentation
27 slides from Abu Dhabi Islamic Bank's earnings presentation, Oct 23, 2025
Slide 1: ADIB 9M 2025 Earnings Presentation
ADIB & 9M 2025 Earnings Presentation Analyst & Investor Conference Call Abu Dhabi, 23 October 2025 internal
Slide 2: Contents
couuitauighosao = Contents ADIB G 9M 2025 Earnings Presentation Key Highlights Financial Performance Questions & Answers Appendix Contacts Disclaimer
Slide 3: Key Highlights
ADIB Key Highlights 9M 2025 Earnings Presentation
Slide 4: Key highlights
= Key highlights ADIB GW ADIB maintains upward growth trajectory on the back of strong financing momentum and solid top-line performance Strong underlying performance across all businesses driving profitability with 9M 2025 net income 9M'25 Net Income growth YoY before tax reaching AED 6.1bn, up 16%
Slide 5: Outlook and Guidance
Outlook and Guidance UAE economic resilience, the solid financial & strategic foundations drive promising outlook for the rest of 2025 ADIB © Market Outlook = Management Guidance 9M 2025 Actual FY 2025 Guidance Resilient growth reflecting strong momentum in non-oil . . . sector g e 8 = Gross Financi
Slide 6: Financial Performance
eno Lup cudgl pao ADIB . Financial Performance 9M 2025 Earnings Presentation
Slide 7: Financial Performance Highlights
= Financial Performance Highlights gotateatane ADIiB G Record profitability in 9M 2025 driven by strong revenue momentum through business growth, healthy margins and revenue diversification Strong YoY Growth in Profitability Robust Balance Sheet Growth YoY Strong Capital Position and Return YoY B: 6
Slide 8: Key financial metrics - 9M 2025 vs 9M 2024
= Key financial metrics - 9M 2025 vs 9M 2024 coluitatighinas ADIB Record set of results with ROE reaching 29.8% driven by robust top-line growth coupled with disciplined balance sheet management Profitability (AED mn) Balance Sheet (AED bn) Key Ratios 9M 2025 vs 9M 2024 & 9M 2024 9M 2025 Amount % Re
Slide 9: Income Statement
Income Statement Strong YoY net income growth of 16% driven by strong revenue momentum, revenue diversification and balance sheet growth coluitatighinas ADIiB G Net Income (AEDmn) 2,021 Net Income before Tax Movement YoY (AEDmn) 1,936 +16% | 1,804 627 526 6,052 5,223 — — _ -261 -63 1,605 Netincome F
Slide 10: Funded Income
Funded Income ADIB © Strong volume growth and disciplined balance sheet management partially offset the rate cut impact, drove a 13% increase in funded income Net Profit Margin (%) Net Profit Margin Movement YoY (%) 7.40% 7.37% 7.29% 7.24% 7.47% @— ~o -- ns —. I -28bps 446% 0.01% 0.14% 4.17% 4.35% 4
Slide 11: Non-Funded Income
Non-Funded Income Non-funded income contributes to 40% of total income, reflecting our strategic focus on revenue diversification coluitatighinas ADIB & Non-Funded Income (AEDmn) Non-Funded Income Movement YoY (AEDmn) 9 +21% 1 +17% 1,292 1,206 ” 325 1064 974 wo 220 = —= 3,618 3,092 246 = = -265 » 3Q
Slide 12: Operating Expenses
Operating Expenses Cost to income ratio improved by 81bps YoY with positive jaws maintained throughout the cycles coluitatighinas ADIB & Expenses Movement YoY (AEDmn) +11% ] 18 2,585 2,324 168 ~ as Expenses Employee costs General & Depr'n & Amort'n Expenses 9M 24 admin costs 9M 25 +12% +11% 47% Expe
Slide 13: Provisions
= Provisions Strong asset quality metrics reflecting disciplined risk management ADIB © Provisions Movement YoY (AEDmn) 191 511 ws = -—- -69 -30 -30 Provisions Retail Wholesale Associates and subs Others Provisions 9M 24 9M 25 +86% 49% -23% 65% = Cost Of Risk (%) = Impairments Composition (%) co Ass
Slide 14: Non-Performing Financing
Non-Performing Financing coluitatighinas ADIB Asset quality continues to improve significantly with NPA ratio of 3.3% lowest since 2Q 16 while coverage ratio increased to 89% & NPA (AEDmn) = NPA Movement YoY (AEDmn) 7% I T% 6,116 5,941 5,753 5771 5,701 6,116 a “109 5,701 3Q 24 4Q 24 1925 2Q25 3Q25 N
Slide 15: Balance Sheet
Balance Sheet ADIB © AED 47bn YoY Asset growth fueled by 26% growth in customer financing supported by strong and diversified funding position = Total Assets (AEDbn) 2697 = Total Assets Movement YoY (AEDbn) +21% 357 5.9 1.0 269.7 222.6 0.1 45 Hl 3Q24 4Q 24 1025 2Q25 3Q25 Totalassets Cash & CB Due fr
Slide 16: Customer Financing
Customer Financing ADIB © AED 36bn net increase in financing in the past 12 months across diverse sectors amid strong UAE economic fundamentals = Customer Financing, Net (AEDbn) = Customer Financing, = Customer Financing, Gross Movement YoY (AEDbn) 170.8 Gross by Segment (% y Segment (%) | +26% Priv
Slide 17: Investments
Investments ADIB © Investment Portfolio grew 21% vs 3Q 24 with 84% accounted for at amortized cost Investments (AEDbn) = Investments Movement YoY (AEDbn) 34.7 34.8 | +21% 1 32.2 6.3 34.8 28.8 — — = 03 01 28.8 29.3 3Q24 4Q 24 1925 2Q25 3Q25 Investments Investments carried Investments carried Investme
Slide 18: Customer Deposits
Customer Deposits ADIB © Substantial increase in customer deposits with ADIB attracting AED 16.6bn of CASA deposits contributing to a healthy funding mix Total Deposits (AEDbn) = Total Deposits Movement YoY (AEDbn) 221.7 212.8 +23% 200.1 182.7 211 22 0.4 10 62 221.7 179.7 11.0 —_—_ —. 179.7 [| Ll 3Q
Slide 19: Capital and Liquidity
Capital and Liquidity ADIB © Robust fundamentals across all key metrics reflecting strong capital and liquidity ratios comfortably above regulatory requirements = Capitalization Ratios (%) = Liquidity Ratios (%) 76.9% 81.0% 78.9% 80.3% 81.6% 17.6% es '. 182% 16.2% 16.6% 167% 75.2% 78.1% 75.0% 76.5%
Slide 20: Questions & Answers
eno Lup cudgl pao ADIB . Questions & Answers 9M 2025 Earnings Presentation
Slide 21: Appendix
eno Lup cudgl pao ADIB . Appendix 9M 2025 Earnings Presentation
Slide 22: Net Profit and Cash Dividend
6,101 5,251 3,619 Net Profit (AED mn) Cash dividend (AED mn) 2,330 3,030 2,595 1,604 1,779 1,130 747 2020 2021 2022 2023 2024 Cash Dividend Payout ratio (% of Net Profit) Cash Dividend (% of Share Capital) Dividend Yield
Slide 23: Ratings and Accolades
= Ratings and Accolades ADIB's recognition for excellence in Islamic banking Credit Ratings Moopy’s A2 Stable Outlook FitchRatings A+ Stable Outlook ADIB's MSCI ESG Rating MSCI ESG RATINGS ceo, B® 68 eee A ELM Ans) MSCI Rating Distribution 37% 30% 18% 8% ccc B BB BBB A AA AAA ADIB © Recent Accolades
Slide 24: Contacts
eno Lup cudgl pao ADIB . Contacts 9M 2025 Earnings Presentation
Slide 25: Additional Information
couuitauighosao = Additional Information ADIB w Please contact the Investor Relations team for additional information or download ADIB's IR App ADIB Investor Relations Contact ADIB Investor Relations App Mrs. Lamia Khaled Hariz Head of Public Affairs and Investor Relations E: Lamia.Hariz@adib.c T: +
Slide 26: Disclaimer
eno Lup cudgl pao ADIB . Disclaimer 9M 2025 Earnings Presentation
Slide 27: Disclaimer
Disclaimer ADiB © The information contained herein has been prepared by Abu Dhabi Islamic Bank PJSC (ADIB). ADIB relies on information obtained from sources believed to be reliable but does not guarantee its accuracy or completeness. This presentation has been prepared for information purposes only
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