Annual Report 20​24​

SHAPING TOMORROW

Throughout the year, ADIB achieved remarkable milestones, delivering record performance and solidifying its position as a leading bank in the UAE. 7KHEDQNUHSRUWHGDQHWSURƛWEHIRUH WD[RI$('ELOOLRQUHƜHFWLQJD growth of 26% compared to last year, and a return on equity (ROE) of 28%, GHPRQVWUDWLQJVWURQJƛQDQFLDOKHDOWK DQGRSHUDWLRQDOHIƛFLHQF

In parallel, we continued to grow our market share within our existing markets, with approximately 1.5 million customers now banking with us. Our commitment to innovation led to the launch of ground- breaking products and solutions to meet the evolving needs of our customers. We placed a strong focus on enhancing our customer experience and service excellence, investing in state-of-the-art digital solutions designed to provide greater convenience and value for our customers. This approach has translated into higher customer engagement, reinforcing our position as a customer-centric RUJDQL]DWLRQ

Our 2024 strategic focus was deeply aligned with our commitment to sustainability and social responsibility, which align with our YDOXHVDQG,VODPLF6KDUL D2XUFRPPLWPHQW

WRGHFDUERQL]DWLRQWKURXJKWKHFUHDWLRQRI 2030 decarbonisation targets, and our

H[WHQVLYHFRPPXQLWHQJDJHPHQWUHƜHFW our resolve to create positive environmental and social impact.

Looking ahead, ADIB is poised to leverage technology and innovation to drive growth DQGSURƛWDELOLWZLWKDIRFXVRQH[SDQGLQJ its customer base and improving operational HIƛFLHQF7KHEDQNŝV9LVLRQVWUDWHJ positions us to navigate the evolving ƛQDQFLDOODQGVFDSHDQGFRQWLQXHGHOLYHULQJ exceptional value to our stakeholders.

CHAIRMAN

MESSAGE

"In 2024, we continued to achieve

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HE JAWAAN AWAIDHA

"With the launch of

2035 VISION, we are implementing a transformative roadmap that positions us at the"forefront of our industry. It is a vision that will be fueled by technological advancements, an uncompromising focus on our customers, and a deep commitment to sustainability principles.

New customers onboarded in 2024

216K

Return on equity

28%

Dividend payout

AED 3 bn

Dear Shareholders,

On behalf of the Board of Directors, I am pleased to present Abu Dhabi ,VODPLF%DQNŝV$QQXDO5HSRUWIRUWKHƛQDQFLDOHDU

Macro-Environment

7KHJOREDOHFRQRPLQSUHVHQWHGDGQDPLFDQGHYROYLQJODQGVFDSH While challenges and uncertainties persisted including heightened JHRSROLWLFDOWHQVLRQVDQGLQƜDWLRQDUSUHVVXUHVWKHUHZHUHVLJQLƛFDQW positive developments. The resilience of global markets was evident as economies adapted to drive growth.

The UAE economy also demonstrated robust performance with a 4% GDP JURZWKVXSSRUWHGEGLYHUVLƛFDWLRQHIIRUWVVWURQJRLOSULFHDQGVWUDWHJLF investments in key sectors such as technology, tourism and renewable energy. Consequently, the UAE banking sector demonstrated a robust SHUIRUPDQFHPDUNHWDFURVVNHƛQDQFLDOPHWULFVH[KLELWLQJUHVLOLHQFHDQG adaptability, supported by a favorable operating environment, strategic investment in digital transformation, and strong regulatory frameworks.

Positioning Ourselves for Growth

,QZHFRQWLQXHGWRDFKLHYHVLJQLƛFDQWPLOHVWRQHVIXHOHGERXU commitment to providing innovative solutions that go beyond our FXVWRPHUVŝQHHGV:HDFKLHYHGQHZƛQDQFLDOUHFRUGVPDGHVXEVWDQWLDO progress in our digital transformation journey and accelerated our sustainability initiatives while leveraging our unique brand and reputation as a lifelong partner for our customers. ADIB's strong market position has DOORZHGXVWRJURZRXUPDUNHWVKDUHEDWWUDFWLQJDSSUR[LPDWHO

216,000 new customers to ADIBLQHPSKDVL]LQJ

the strength of our brand.

$',%FRQWLQXHVWRDFKLHYHVROLGƛQDQFLDOUHVXOWVZLWK

7KLVGHPRQVWUDWHVRXUIRFXVRQH[HFXWLQJWKHEXVLQHVVVWUDWHJDQG renewing our commitment to achieving better outcomes for our shareholders and customers. The record return on equity of 28%IRUWKHIXOOHDUUHƜHFWVWKHKHDOWKDQGUHVLOLHQWORFDOHFRQRP coupled with our focus on delivering transformational initiatives.

7KHVXEVWDQWLDOLQFUHDVHLQRXUSURƛWDELOLWDQGWKHVWUHQJWKRIRXU capital position has allowed the Board to recommend

INTEGRATED ANNUAL REPORT 2024

FRXUVHIRUWKHQH[WJHQHUDWLRQRIOHDGHUV2YHUWKHSDVWHDUZHKDYH attracted some tremendous new leaders to ADIB and promoted our KLJKHVWSHUIRUPLQJOHDGHUVZLWKLQWKHƛUPWRQHZUROHV,DPDOVRSURXG that as we welcomed new Emiratis to ADIB over the course of this year,

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A Sustainable Future

Throughout our history, we have consistently committed to having a positive impact on the societies and communities we operate in. In ZHDFWLYHOGURYHWKHVXVWDLQDELOLWDJHQGDDQGOHGLQLWLDWLYHV WKDWVLJQLƛFDQWOFRQWULEXWHGWRRXU(6*URDGPDSLQFOXGLQJRXU1HW =HURFRPPLWPHQW$SDUWLFXODUKLJKOLJKWRIWKLVHDULV$',% receiving an upgrade to an "AA" ESG rating from MSCI, which

UHƜHFWVRXUFRQWLQXHGFRPPLWPHQWWRHQKDQFLQJRXU(6*SUDFWLFHV and governance. This achievement is a direct result of our focused efforts to enhancing transparency, implementing rigorous risk management processes, and setting ambitious environmental targets.

Pioneering the Future

With the launch of 2035 VISION, we are putting into place a transformative roadmap that positions us at the forefront of our industry. It is a vision that will be fueled by technological advancements, an uncompromising focus on our customers, and a deep commitment to sustainability principles.

$VZHPRYHLQWRRXUFXVWRPHUFHQWULFDSSURDFKDQGLQQRYDWLRQ will remain crucial catalysts for future growth. Our commitment to make ADIB the world's most innovative bank remains unwavering. We will remain committed to supporting our customers while we continue

WRH[HFXWHRXUDPELWLRXVVWUDWHJLFDJHQGDDQGXQIROGWKHIXOOSRWHQWLDO ofADIB.

SUHAIL AWAIDHA AL KHAILI

CHAIRMAN

a dividend payout to 83ƛOV

per share in 2024 compared to

These proposals are subject to shareholders' approval at the Annual General Meeting.

ADIB's Strategic Progress

71ƛOV

per share in 2023.

In closing, I would like to take this opportunity to thank the President RIWKH8QLWHG$UDE(PLUDWHV+LV+LJKQHVV6KHLNK0RKDPPHG%LQ =DHG$O1DKDQDVZHOODV+LV+LJKQHVV6KHLNK0RKDPPHG%LQ Rashid Al Maktoum, Vice President, Prime Minister and the Ruler of 'XEDLDQGWKHLU+LJKQHVVHVWKH5XOHUVRIWKH(PLUDWHVDQG0HPEHUV RIWKH6XSUHPH&RXQFLO,ZRXOGDOVROLNHWRH[SUHVVPJUDWLWXGHWR our valued customers, the UAE Central Bank, our partners, regulators and shareholders for their trust, and our Board, management, HVWHHPHGPHPEHUVRIWKH,QWHUQDO6KDULŝD6XSHUYLVRU&RPPLWWHHDQG our employees for their tireless dedication.

:HDUHQHDULQJWKHHQGRIRXUVWUDWHJFFOHDMRXUQHWKDWKDVhelped XVLPSURYH$',%VLQFHWRWKHEHQHƛWRIDOOVWDNHKROGHUV7KLVZDVD SHULRGGXULQJZKLFKZHGHOLYHUHGVWURQJƛQDQFLDOSHUIRUPDQFHDQG VXFFHVVIXOOH[HFXWHGRXUVWUDWHJLFLQLWLDWLYHV$VSHFLƛFIRFXVRIWKH

strategy was acceleration of our digital transformation agenda, which saw an 91% digital adoption from our customers.

Furthermore, we were able to create a workplace focused on employee wellbeing and empowerment, as is evident in our staff engagement ratio of ZKLFKVKRZVFRQWLQXHGIRFXVRQGHYHORSLQJRXUHPSORHHVDQGFDULQJ for their needs. We pushed our Emiratisation efforts forward to set the

Thank you,

HE Jawaan Awaidha Suhail Awaidha Al Khaili

Chairman

GROUP CEO MESSAGE

In 2024, ADIB continued to

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A record year

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We demonstrated balance sheet strength across all key ratios, with

DVVHWTXDOLWPDWUL[LPSURYLQJDVRXUQRQSHUIRUPLQJDVVHWUDWLR UHDFKHGLWVORZHVWOHYHOVLQFH4GXHWRDFWLYH management of legacy portfolios and strong underwriting standards. While we continue making substantial investments in new WHFKQRORJLHVOLNH*HQHUDWLYH$,WKHHIƛFLHQFLHVJDLQHGIURPFRVW VDYLQJVHIIRUWVKDYHVLJQLƛFDQWOLPSURYHGWKH&RVWWR,QFRPH5DWLR WRUHƜHFWLQJRXUDELOLWWRGULYHKLJKHULQFRPHZKLOH maintaining cost discipline.

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In Retail Banking, we remained the market leader in deposits, with ƜDJVKLSSURGXFWVVXFKDVKRPHƛQDQFHDQGSHUVRQDOƛQDQFHGULYLQJ VLJQLƛFDQWJURZWK0HDQZKLOHRXU:KROHVDOH%DQNLQJ*URXS:%* successfully closed major deals and secured new mandates, contributing to our strong performance across business lines.

On the digital front, we embraced new opportunities by envisioning future technological advancements and continue to deliver digital VROXWLRQVWKDWGULYHVHDPOHVVEDQNLQJH[SHULHQFHV:HDGGHGQHZ features to our mobile app and increasingly used data to provide our staff with the tools and insights to manage customers effectively. Digitalisation has enabled us to handle higher volumes with faster WXUQDURXQGWLPHVLPSURYHHIƛFLHQFDQGVWUHQJWKHQULVN management. This year has also seen the launch of ADIB Ventures WKDWDLPVWRFUHDWHDQHFRVVWHPWKDWIRVWHUVƛQWHFKSDUWQHUVKLSV and accelerate development of digital solutions.

ADIB 2035

7KH$',%9LVLRQVWDQGVDVDEHDFRQRIRXU commitment to innovation, growth and sustainability. The vision is not just a roadmap for us but a declaration of how we are preparing ADIB to be a IXWXUHUHDGEDQNDQGDOHDGLQJƛQDQFLDOLQVWLWXWLRQLQ a rapidly evolving world.

Central to this vision is our focus on Generative AI, automation and digital solutions. These pillars will GULYHHIƛFLHQFHQKDQFHFXVWRPHUH[SHULHQFHVDQG unlock new growth opportunities. By leveraging

FXWWLQJHGJHWHFKQRORJLHVZHDLPWRUHYROXWLRQL]HWKH way we operate, ensuring we remain agile and competitive in an increasingly developing landscape.

INTEGRATED ANNUAL REPORT 2024

Sustainable future

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Conclusion

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AED

6.9 billion

1HW3URƛW %HIRUHWD[

26%

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AED

226 billion

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We have high ambitions for our business and for driving growth. That's why we're building a bank for the future - one that serves the

INTEGRATED ANNUAL REPORT 2024

EMPOWERING

PROGRESS

%GHOLYHULQJIRUZDUGWKLQNLQJƛQDQFLDOVROXWLRQVZHDUHHPSRZHULQJLQGLYLGXDOV businesses and communities prosper, driving economic growth that contributes directly to the UAE's vision for growth and success.

needs of our people, customers and communities.

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AED 147 billion

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38%

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11

SUSTAINABLY

DRIVING HIGHER RETURNS

We are committed to driving sustainable growth and delivering strong returns for our shareholders. We are successfully executing our strategy to gain market share, and forging progress on all fronts ahead of schedule.

12

REVOLUTIONIZE

CUSTOMER EXPERIENCE

Our drive for innovation for new ideas and opportunities means we are constantly working to meet our clients' ever-changing needs. We are working

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LEADING

WITH PURPOSE

We are committed to creating a positive and lasting impact on the communities we serve. We are actively working to support local communities by funding projects that enhance education, healthcare and social wellbeing. We are committed to supporting RXUFXVWRPHUVRQWKHLUWUDQVLWLRQWRDQHW]HURHFRQRPSURYLGLQJDUDQJHRIJUHHQ products and services to corporate and individual customers,

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14

OUR JOURNEY

1997

LICENSED

$',%ZDVOLFHQVHGDVWKHƛUVW,VODPLFEDQNLQ Abu Dhabi by the UAE Central Bank and commenced operations.

2000

FIRST CARD

/DXQFKRIWKHƛUVW,VODPLF Covered card in the UAE

2005

EXPANSION

ADIB acquires 49% of National Bank of

Development Egypt

2010

PRIORITY

Launch of Gold Centers for

Priority customers

2012

SUKUK

ADIB Issued World's First Hybrid

Perpetual Tier 1 Sukuk

FOUNDED

ADIB was founded by a decree of the late Sheikh Zayed Bin Sultan Al Nahyan

1998

LISTED

ADIB was listed on Abu Dhabi Stock Exchange

2002

DIGITAL

Launch of the E-banking service

2007

NEW BRAND

ADIB reveals its new brand and new promise to customers and staff

2011

INTERNATIONAL

ADIB started international expansion in UK, Iraq, KSA and Sudan

2013

ADIB VENTURES

launch of ADIB Ventures

2023

$1 BILLION NET PROFIT

$',%UHJLVWHUHGQHWSURƛWRIELOOLRQIRU WKHƛUVWWLPHLQLWVKLVWRU

2021

FOREIGN OWNERSHIP

ADIB raised its foreign ownership to 40%

2019

1 MILLION CUSTOMERS

ADIB reached the 1 million customers milestone

2016

RIGHTS ISSUES

$',%ZDVWKHƛUVWEDQNLQWKH8$(WR issue right shares

2014

INTEGRATED ANNUAL REPORT 2024

2024

GREEN SUKUK

$',%ODXQFKHVWKHZRUOGŝVƛUVW green Sukuk in USD

2022

YOUTH

$',%ODXQFKHV$PZDOLWKH8$(ŝVƛUVW banking proposition for youth

2020

DIGITAL LAB

ADIB inaugurates its digital lab

2018

MOBILE APP

ADIB Mobile app was launched

2015

ACQUISITION

ADIB acquires a portfolio of retail banking in the United Arab Emirates (UAE)