Slides
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29th October 2026 Q3/9M’26 Earnings Presentation
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Disclaimer The information contained herein has been prepared by First Abu Dhabi Bank P.J.S.C ("FAB"). The information contained in thispresentation may not have been reviewed or reported on by the Group's auditors. FAB 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 and is not and does not form part of any offer for sale or solicitation of any offer to subscribe to or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitmentwhatsoever. Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of FAB. These forward-looking statements include all matters that are not historical facts. The inclusion of such forward-looking information shall not be regarded as a representation by FAB or any other person that the objectives or plans of FAB will be achieved. FAB undertakes no obligation to publicly update or publicly revise any forward-looking statement, whether as a result of new information, future events or otherwise. Please note that rounding differences may appear throughout the presentation. 2 | Q3/9M’26 Earnings Presentation
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HEADLINE HEADLINE Opening remarks
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9M’26 Key highlights 4 | Q3/9M’26 Earnings Presentation Record 9M’26 Group Net Profit of AED 16.46bn, +3% yoy, reflecting strong underlying operating performance. Robust returns at scale with RoTE at 18.6%. Group revenue of AED 29.71bn, +7% yoy, led by diversified revenue streams, margin expansion and continued cost discipline. AED 1.47tn asset base provides significant scale, underpinned by broad-based growth and a high-quality, diversified funding base. Robust balance sheet fundamentals across asset quality, liquidity and capital, with Group CET1 at 14.0%, backed by our AA- credit rating. Well on track with FY’26 financial guidance.
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Advancing strategic priorities with focus and impact 5 | Q3/9M’26 Earnings Presentation Broad-based franchise growth driven by client-centric solutions • Supporting the UAE’s growth and investment agenda, reflected in AED 64bn of lending growth ytd and #1 MENA rankings in Bonds & Sukuk and Loan Agency IB league tables • Continued franchise growth across key segments with Islamic financing +14% ytd, retail deposits +10% ytd, and AUMs +11% ytd • Strong client flows reflecting expanded product capabilities and deeper client engagement Regional leadership with global connectivity • International franchise remains a strategic contributor to the Group, with revenue +31% yoy, and deposits +8% sequentially • Expanded activity across key corridors, connecting clients to financing, liquidity and cross- border opportunities Accelerating AI and innovation, unlocking measurable value • Continued scaling of enterprise- wide AI capabilities,with over 6,000 employee-developed agents • Recognised by Gartner with the 2026 Enterprise AI Breakthrough of the Year award • Became the first bank in MEA to execute live USD transactions at scale using tokenised deposits on Swift Ledger Sustainable finance leadership delivering scale and impact • AED 417bn in sustainable and transition financing achieved, reaching 83% of 2030 target • First bank in MENA to sign the UN Sustainable Blue Economy Finance Principles and established an AED 100bn blue finance target through 2035 • FAB secured first place in the Financial Services category at the 19th Arabia CSR & SustainabilityAwards • AA ESG Rating reaffirmedby MSCI
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HEADLINE HEADLINE Financial review
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Income Statement - Summary (AED mn) Q3'26 vs Q2'26 vs Q3'25 9M'26 vs 9M'25 Net interest Income 5,503 (6%) 6% 16,982 11% Non-interest Income 4,709 9% 13% 12,732 3% Operating Income 10,212 0% 9% 29,714 7% Operating expenses (2,148) 0% 4% (6,399) 5% Operating Profit 8,064 0% 11% 23,315 8% Net impairment charge (1,050) 11% 24% (3,100) 33% Profit before tax 7,014 (1%) 9% 20,215 5% Non-controlling interests and taxes (1,279) (6%) 24% (3,754) 16% Net Profit after tax 5,735 0% 6% 16,461 3% Basic Earnings per Share (AED) 0.50 0% 9% 1.43 3% Key Ratios (%) Q3'26 vs Q2'26 vs Q3'25 9M'26 vs 9M'25 Net Interest Margin 1.85 (14)bps 3bps 1.93 5bps Cost-Income ratio 21.0 0pp (1.2)pp 21.5 (0.5)pp Cost of Risk (bps) 58 (1)bp (5)bps 62 7bps Return on Tangible Equity (RoTE) 19.3% (1)pp (0.4)pp 18.6% (1.4)pp Record 9M’26 results with PBT crossing AED 20bn 7 | Q3/9M’26 Earnings Presentation Movements in RoTE and Cost-Income ratio are presented in percentage points (pp); movement in all other ratios are presented in basis points (bps) Operating income +7% yoy to AED 29.71bn, led by higher volumes and margin expansion. Q3’26 operating income +9% yoy to AED 10.21bn, broadly stable sequentially. Operating profit +8% yoy to AED 23.32bn, through sustained revenue momentum and disciplined cost management. Impairment charges +33% yoy to AED 3.10bn, reflecting the Group’s disciplined and prudent approach to risk management amid the evolving risk environment. Profit before tax +5% yoy, crossing the AED 20bn milestone. Group net profit reached AED 16.46bn, +3% yoy with Q3’26 net profit at AED 5.74bn, both setting new highs for their respective periods, reflecting sustained earnings momentum.
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8 | Q3/9M’26 Earnings Presentation By division…. by geography…. 9M’26 Operating Income Personal, Business, Wealth & Privileged Client Banking Group Investment Banking & Markets Wholesale Banking AED 9.33bn +4% yoy AED 5.14bn +13% yoy AED 10.00bn Balance Sheet (AED bn) & Ytd growth (%) 353 253 Deposits Loans 178 203 Deposits Loans 246 192 Deposits Loans Sep'26 Dec’25 22% 78% International UAE …and income source 43% 57% NFI NII +4% yoy ↑22% ↑7% ↑14% ↑10%↑4% ↑2% Sustained broad-based revenue momentum across the bank
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1.82 1.75 1.95 1.99 1.85 9 | Q3/9M’26 Earnings Presentation 5,192 5,040 5,612 5,867 5,503 0 2,000 4,000 6,000 8,000 10,000 12,000 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Net Interest Income (AED mn) Group NIM (%) 15,282 16,982 9M'25 9M'26 qoq ↓6%, yoy ↑6% yoy ↑11% 1.88 1.93 Strong NII performance, +11% yoy supported by volume growth and margin expansion. Net Interest Margin (NIM) was 1.93% over 9M’26, +5bps yoy reflecting disciplined pricing and effective treasury management amid a competitive funding environment. Q3’26 NIM was 1.85%, +3bps yoy, -14bps qoq moderating from a particularly strong Q2’26 which benefited from higher interest-in-suspense recoveries. P&L impact from -25bps parallel movement in interest rates is estimated at c. AED (200-250)mn, if no offsetting action is taken by management. Higher volumes and margins drive double-digit NII expansion
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1.4 1.6 1.9 1.7 2.3 2.4 2.4 2.2 3.1 2.8 3.3 2.8 3.8 4.4 4.2 4.0 3.7 4.3 4.7 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 32% 34% 38% 45% 43% 5.6 5.7 2.0 2.0 9M'25 9M'26 1. Includes fees & commissions related to advisory and corporate finance activities, asset management, accounts-related fees, among others. 10 | Q3/9M’26 Earnings Presentation Diversified platform continues to drive NFI strength FX and Other Investment Income, net (AED bn) qoq ↑17%, yoy ↑15% yoy ↑1% From Q3'26, Trading, Investments and Other income are presented on a combined basis, better reflecting the interconnected nature of the related revenue streams, including client-driven flows. 1.9 1.7 1.4 1.9 2.4 0.8 0.8 0.5 0.8 0.8 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Trading, Investments and Other Income GM Sales 2.7 2.5 1.9 2.7 3.1 7.6 7.7 3.5 4.2 Non-Interest Income trend (AED bn) Fees & Commissions, net (AED bn) qoq ↑7%, yoy ↑16% yoy ↑19% 0.6 0.7 0.9 0.8 0.7 0.3 0.3 0.3 0.3 0.30.2 0.2 0.3 0.2 0.3 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Loan-related Trade-related Other F&C 1.9 2.4 0.9 0.90.8 0.9 9M'25 9M'26 1.2 1.3 1.5 1.3 1.4 1 3.5 4.2 FX & Other investment income Fees & Commissions Other operating income 7.6 7.7 3.5 4.2 1.2 0.8 9M'25 9M'26 12.4 12.7 yoy ↑3% Total NFI as % of operating income
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22.2 23.6 22.6 21.0 21.0 11 | Q3/9M’26 Earnings Presentation 2,075 2,126 2,111 2,140 2,148 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Operating Expenses (AED mn) Cost-to- Income Ratio (%) qoq , yoy ↑4% 6,073 6,399 9M'25 9M'26 22.0 21.5 yoy ↑5% 9M’26 operating expenses were AED 6.40bn, +5% yoy, reflecting continued strategic investments, cost discipline and ongoing AI- enabled efficiencies. 9M’26 cost-to-income ratio remained at industry-leading levels of 21.5%, improving from 22.0% in 9M’25. Continued investment in talent, technology and AI
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12 | Q3/9M’26 Earnings Presentation 1. Lending to banks that includes lending that is short term in nature focused on supporting clients with their trade-related needs. 2. Diversified real estate exposure: Abu Dhabi (44%), Dubai (21%), Other UAE (6%), UK (17%), Other Intl (12%). Healthy lending growth across key segments Gross loans trend by counterparty (AED bn) Well-balanced portfolio across economic sectors Agriculture 1% Energy 9% Manufacturing 6% Construction 2% Real Estate 16% Trading 3% Transport and communication 7% Banks 7% Other financial institutions 14% Services 7% Government 14% Personal - Loans & Credit Cards 8% Personal - Retail Mortgage 6% AED 697bn Sep’26 2 +64bn, ↑ 10% ytd 76% 6% 18% UAE GCC (ex-UAE) International (ex-GCC) 80 101 106 99 101 78 82 88 89 9037 22 53 53 47 328 334 345 343 357 92 94 94 96 102 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Government Public Sector Banks Corporate/Private Personal/Retail 1 Diversified loan book by geography 614 633 685 679 697 Broad-based franchise momentum sustaining loan growth +18bn, ↑ 3% qoq
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77% 1% 22% UAE GCC (ex-UAE) International (ex-GCC) 13 | Q3/9M’26 Earnings Presentation Strong deposit franchise, robust liquidity position Resilient CASA mix (AED bn) Diversified deposits by geography 848 841 871 853 885 369 392 383 391 387 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 CASA mix 44% | 47% | 44% | 46% | 44% CASA Balances Fixed Deposits 193 141 148 140 131 136 117 151 123 161 340 404 391 408 417 142 143 144 149 15238 36 37 32 24 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Government Public Sector Corporate/Private Personal/Retail Certificates of deposit Customer deposits trend by counterparty (AED bn), LCR % 848 841 871 853 1 479 449 488 462 158% 154% 145% 140% 140% LCR 885 498 +44bn, ↑ 5% ytd Strong deposit franchise, high-quality, diversified funding mix +32bn, ↑ 4% qoq
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63 61 67 59 58 15.5 13.8 14.4 15.1 14.7 16.5 14.9 15.9 16.2 16.8 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 14 | Q3/9M’26 Earnings Presentation Impairment charges, net (AED mn) & CoR1 (bps) NPLs2 and ECLs3 (%) 850 949 1,100 950 1,050 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 2,326 3,100 9M'25 9M'26 106 108 110 108 114 2.6 2.2 2.1 2.2 2.1 1 1.5 2 2.5 3 3.5 4 4.5 75 80 85 90 95 100 105 110 115 Provision Coverage (%) NPL ratio (%) Impairments (AED Mn) CoR (L&A) (bps) qoq ↑11%, yoy ↑24% yoy ↑33% 55 62 1. Annualised. 2. NPLs = Stage 3 exposure + adjusted POCI (Purchased or originally impaired credit) of AED 3,766mn as of Sep’26 considered as par to NPLs, net of IIS. 3. ECL = ECL on loans, advances & Islamic financing + ECL on unfunded exposures + IFRS9 impairment reserves. Solid asset quality underpinned by prudent provisioning NPLs (AED bn) Provisions (AED bn)
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15 | Q3/9M’26 Earnings Presentation CET1 Ratio progression CET1, Tier 1 and CAR trends (%) 13.3% 13.7% 14.0%1.2% 1.3% +73 bps -15 bps -29bps CET1 Dec'25 CET1 Jun'26 Q3'26 profits Change in RWA Other movements CET1 Sep'26 Cash DPS: 80 fils AED 8.84bn 14.0% 15.4% 17.4% 12% 14% 16% 18% Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 CET1 Tier 1 CAR FAB’s minimum CET1, Tier 1 and CAR requirements were 11.7%, 13.2% and 15.2% respectively as at 30 September 2026. RWA composition (AED bn) Sep’26 vs Jun’26 vs Dec’25 Credit RWA 690 +5 +50 Market RWA 42 +3 +4 Operational RWA 62 +1 +5 Total RWA 795 +9 +59 14.5% +28bps Strong capital position
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16 | Q3/9M’26 Earnings Presentation 1. FAB in-house expectations as of 29th October 2026. 9M’26 actuals 2026 guidance Scale Loan growth +10% ytd Low- to mid- teens Asset Quality Cost of Risk 62bps < 70bps Provision Coverage Ratio 114% > 90% Profitability & Capital RoTE 18.6% > 16% CET1 (pre-dividend) 14.0% > 13.5% ✓ ✓ ✓ ✓ ✓ Well on track with FY’26 financial guidance Macro-outlook1 UAE real GDP growth c.3.0% FY’26 c.5.8% FY’27 Oil c. 88/b USD (FY’26) Interest rates Q4’26: 1 additional hike
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17 | Q3/9M’26 Earnings Presentation Record 9M’26 Group Net Profit of AED 16.46bn, +3% yoy, reflecting strong underlying operating performance. Robust returns at scale with RoTE at 18.6%. Group revenue of AED 29.71bn, +7% yoy, led by diversified revenue streams, margin expansion and continued cost discipline. AED 1.47tn asset base provides significant scale, underpinned by broad-based growth and a high-quality, diversified funding base. Robust balance sheet fundamentals across asset quality, liquidity and capital, with Group CET1 at 14.0%, backed by our AA- credit rating. Well on track with FY’26 financial guidance. Wrap-up
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HEADLINE HEADLINE Appendix
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Segmental overview 19 | Q3/9M’26 Earnings Presentation Personal, Business, Wealth & Privileged Client Banking Group (PBW&PCBG)Wholesale Banking (WB)Investment Banking & Markets (IB&M) P&L Summary (AED mn) 9M’26 9M’25 yoy % Net interest Income 5,433 4,214 29 Non-interest Income 3,894 4,788 (19) Operating Income 9,327 9,002 4 Operating expenses (1,175) (1,165) 1 Net impairment charge 11 (45) n/a Profit Before Tax 8,163 7,792 5 P&L Summary (AED mn) 9M’26 9M’25 yoy % Net interest Income 3,147 2,863 10 Non-interest Income 1,993 1,684 18 Operating Income 5,140 4,547 13 Operating expenses (929) (915) 2 Net impairment charge (748) (230) 225 Profit Before Tax 3,463 3,402 2 P&L Summary (AED mn) 9M’26 9M’25 yoy % Net interest Income 7,453 6,805 10 Non-interest Income 2,543 2,801 (9) Operating Income 9,996 9,606 4 Operating expenses (3,142) (3,055) 3 Net impairment charge (900) (590) 53 Profit Before Tax 5,954 5,961 -
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Q3/9M’26 highlights – Group financials (AED) 20 | Q3/9M’26 Earnings Presentation 1 All ratios are annualised, where applicable; movements in Cost-Income Ratio, Provision Coverage Ratio, Liquidity Coverage Ratio (LCR) and Return on Tangible Equity (RoTE) are presented in percentage points (pp); movement in all other ratios are presented in basis points (bps) Income Statement - Summary (AED mn) Q3’26 Q2’26 qoq % Q3’25 yoy % 9M’26 9M’25 yoy % Net interest Income 5,503 5,867 (6) 5,192 6 16,982 15,282 11 Non-interest Income 4,709 4,301 9 4,150 13 12,732 12,369 3 Operating Income 10,212 10,168 0 9,342 9 29,714 27,651 7 Operating expenses (2,148) (2,140) 0 (2,075) 4 (6,399) (6,073) 5 Net impairment charge (1,050) (950) 11 (850) 24 (3,100) (2,326) 33 Profit Before Tax 7,014 7,078 (1) 6,417 9 20,215 19,252 5 Taxes and NCI (1,279) (1,363) (6) (1,030) 24 (3,754) (3,233) 16 Net Profit 5,735 5,715 0 5,387 6 16,461 16,019 3 Basic Earnings Per Share (AED) 0.50 0.50 0 0.46 9 1.43 1.39 3 Balance Sheet - Summary (AED bn) Sep’26 Jun’26 qoq % Sep’25 yoy % Dec’25 ytd % Total Assets 1,472 1,409 4 1,356 9 1,377 7 Loans & Advances (net) 679 661 3 596 14 616 10 Investments 277 259 7 272 2 269 3 Customer Deposits 885 853 4 848 4 841 5 Of which CASA balances 387 391 (1) 369 5 392 (1) Equity (incl Tier 1 capital notes) 147 144 2 138 6 147 0 Tangible Equity 116 113 3 108 7 113 3 Risk Weighted Assets 795 786 1 741 7 735 8 Key Ratios1 (%) Q3’26 Q2’26 qoq Q3’25 yoy 9M’26 9M’25 yoy Net Interest Margin 1.85 1.99 (14)bps 1.82 3bps 1.93 1.88 5bps Cost-Income Ratio 21.0 21.0 0pp 22.2 (1.2)pp 21.5 22.0 (0.5)pp Cost of Risk (bps) 58 59 (1)bp 63 (5)bps 62 55 7bps Non-performing Loans Ratio 2.1 2.2 (11)bps 2.6 (42)bps 2.1 2.6 (42)bps Provision Coverage Ratio 114 108 6pp 106 8pp 114 106 8pp Liquidity Coverage Ratio (LCR) 140 140 0pp 158 (18)pp 140 158 (18)pp Return on Tangible Equity (RoTE) 19.3 20.3 (1)pp 19.7 (0.4)pp 18.6 20.0 (1.4)pp Return on Risk-weighted Assets (RoRWA) 2.9 2.9 (3)bps 2.9 (5)bps 2.9 3.1 (23)bps CET1 Ratio 14.0 13.7 28bps 13.7 25bps 14.0 13.7 25bps Capital Adequacy Ratio 17.4 17.1 23bps 16.8 58bps 17.4 16.8 58bps
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Q3/9M’26 highlights – Group financials (USD) 21 | Q3/9M’26 Earnings Presentation 1 All ratios are annualised, where applicable; movements in Cost-Income Ratio, Provision Coverage Ratio, Liquidity Coverage Ratio (LCR) and Return on Tangible Equity (RoTE) are presented in percentage points (pp); movement in all other ratios are presented in basis points (bps) Income Statement - Summary (USD mn) Q3’26 Q2’26 qoq % Q3’25 yoy % 9M’26 9M’25 yoy % Net interest Income 1,498 1,598 (6) 1,414 6 4,624 4,161 11 Non-interest Income 1,282 1,171 9 1,130 13 3,467 3,368 3 Operating Income 2,781 2,769 0 2,544 9 8,091 7,529 7 Operating expenses (585) (583) 0 (565) 4 (1,742) (1,654) 5 Net impairment charge (286) (259) 11 (231) 24 (844) (633) 33 Profit Before Tax 1,910 1,927 (1) 1,747 9 5,504 5,242 5 Taxes and NCI (348) (371) (6) (280) 24 (1,022) (880) 16 Net Profit 1,562 1,556 0 1,467 6 4,482 4,362 3 Basic Earnings Per Share (USD) 0.14 0.14 0 0.13 9 0.39 0.38 3 Balance Sheet - Summary (USD bn) Sep’26 Jun’26 qoq % Sep’25 yoy % Dec’25 ytd % Total Assets 401 384 4 369 9 375 7 Loans & Advances (net) 185 180 3 162 14 168 10 Investments 75 71 7 74 2 73 3 Customer Deposits 241 232 4 231 4 229 5 Of which CASA balances 105 106 (1) 100 5 107 (1) Equity (incl Tier 1 capital notes) 40 39 2 38 6 40 0 Tangible Equity 32 31 3 29 7 31 3 Risk Weighted Assets 216 214 1 201 7 200 8 Key Ratios1 (%) Q3’26 Q2’26 qoq Q3’25 yoy 9M’26 9M’25 yoy Net Interest Margin 1.85 1.99 (14)bps 1.82 3bps 1.93 1.88 5bps Cost-Income Ratio 21.0 21.0 0pp 22.2 (1.2)pp 21.5 22.0 (0.5)pp Cost of Risk (bps) 58 59 (1)bp 63 (5)bps 62 55 7bps Non-performing Loans Ratio 2.1 2.2 (11)bps 2.6 (42)bps 2.1 2.6 (42)bps Provision Coverage Ratio 114 108 6pp 106 8pp 114 106 8pp Liquidity Coverage Ratio (LCR) 140 140 0pp 158 (18)pp 140 158 (18)pp Return on Tangible Equity (RoTE) 19.3 20.3 (1)pp 19.7 (0.4)pp 18.6 20.0 (1.4)pp Return on Risk-weighted Assets (RoRWA) 2.9 2.9 (3)bps 2.9 (5)bps 2.9 3.1 (23)bps CET1 Ratio 14.0 13.7 28bps 13.7 25bps 14.0 13.7 25bps Capital Adequacy Ratio 17.4 17.1 23bps 16.8 58bps 17.4 16.8 58bps
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Diversified real estate portfolio 22 | Q3/9M’26 Earnings Presentation Significantly reduced exposure to real estate over time Exposure diversified across the UAE and international markets 91 80 81 88 93 90 86 94 101 109 26% 22% 19% 22% 22% 19% 17% 17% 16% 16% - 20.0 40.0 60.0 80.0 100.0 120.0 140.0 160.0 180.0 200.0 0% 10% 20% Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 Dec'23 Dec'24 Dec'25 Sep'26 Real estate loan portfolio (AED bn) Real estate mix of book Abu Dhabi, 44% Dubai, 21% Other UAE, 6% UK, 17% Other Intl, 12% AED 109bn Sep’26 Real estate portfolio: Geographic exposure Conservative underwriting policies on real estate Strong sponsor and equity underwriting standards. In-depth evaluation of asset fundamentals, including location, technical characteristics, leasing strategy and tenant mix. Assessment of construction execution risk includes understanding of contractor strength & construction contract terms. Ongoing covenant protection via appropriate LTV and debt service cash flow coverage levels through the loan tenor. Robust underlying quality of portfolio ~65% of portfolio is backed by completed real estate (predominantly high quality commercial/residential properties). ~19% of portfolio is working capital to Tier 1 real estate companies.
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By type By ratings By geography By counterparty By liquidity type High-quality and diversified investment portfolio 23 | Q3/9M’26 Earnings Presentation Dec’25 AED 269bn Sep’26 AED 277bn Dec’25 AED 269bn Sep’26 AED 277bn Dec’25 AED 269bn Sep’26 AED 277bn Dec’25 AED 269bn Sep’26 AED 277bn Dec’25 AED 269bn Sep’26 AED 277bn • 62% rated A and above • 66% investment grade and above • 96% of BB & below are Sovereign & Public Sector Entities FVTPL - Debt FVTPL - Equity & Funds Amortised Cost (Debt Inv) FVOCI - Equity FVOCI - Debt Sep’26 Dec’25 24% 24% 5% 3% 4% 2% 5% 4% 61% 66% AAA AA A BBB BB & below Unrated - Debt Equity & Funds Sep’26 Dec’25 14% 16% 34% 38% 14% 14% 4% 3% 21% 19% 4% 1% 10% 8% Europe GCC MENA (ex-GCC) USA Other incl A&NZ Asia UAE Sep’26 Dec’25 20% 18% 10% 9% 14% 15% 22% 20% 5% 2% 12% 14% 17% 21% Sovereign Public Sector Covered Bonds (Banks & FIs) Banks Corporate/ Pvt Sector Sep’26 Dec’25 65% 70% 5% 7% 0% 1% 7% 5% 23% 17% 0% 0% HQLA Level 1 HQLA Level 2A HQLA Level 2B Non HQLA Sep’26 Dec’25 38% 43% 12% 13% 3% 3% 48% 41% Supranational FVTPL – Fair value through profit or loss (previously HFT), Amortised cost – previously HTM, FVOCI – Fair value through other comprehensive income (previously AFS). Sovereign bonds include sovereign guaranteed bonds issued by Public Sector Entities, banks & Fis. Note: All totals are Gross investments before ECL
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