ADIB 2010

Investor Presentation
31 December 2011

Abu Dhabi: March 2012
adib.ae
2
2
Table of contents

! ADIB at a glance 3
! Competitive landscape 4
! Key strengths 5
! Financial targets over the medium term 6
! Salient features of FYR 2011 results 7
! 31 December 2011 Balance sheet highlights 8
! FYR 2011 Income statement highlights 9
! Key income parameters Group 10 -11
! Balance Sheet Strength 12
! Customer Financing 13
! Asset Quality 14
! Funding Profile 15
! Capital 16
! Shareholders Return 17
! Dividend Distribution 18
! Outlook 2012 19
! Business overview 21 - 26
! Appendix 28 - 38

3
ADIB at a glance
! Incorporated in 1997 to serve as first Islamic Bank in
the Emirate of Abu Dhabi.
! Owned (40 %) by Emirates International Investment
Co. LLC.
! Listed on Abu Dhabi Securities Exchange (ADX).
Overview
Ratings
Long term
rating
Short term
rating
Outlook
Fitch A+ F1 Stable
Moodys A2 P1 Stable
ADIB recent timeline and milestones
1997 Established by the Govt. of Abu Dhabi.
1998
Licensed as an Islamic bank by the Central
bank.
Commenced operations.
1999 Formally inaugurated.
2000 Listed on Abu Dhabi securities Exchange.
2005
Establish Abu Dhabi Islamic Securities
Company.
Established Burooj Properties.
2007
Introduction of new strategic shareholder
(EIIC).
Acquired 49% of National Bank for
Development based in Egypt.
2008
Arrival of new management.
Adoption of new strategic vision and
mission.
2010/11 Reports record profits.

Stock Info
(Price and
Ratio as of 31
Dec 2011)
Market Cap (Price @ 3.16 AED)
AED 7.5 bn
(US$ 2.0 bn)

EPS / share (AED) 0.438

PE Ratio 7.2 times
..
Price / Book Ratio 0.87
..
Shares Issued (@ AED 1) 2,365 Mn

4
Competitive landscape
Peer Group Analysis for the FYR 2011 (AED Bn)
NBAD ADCB FGB UNB Mashreq DIB ADIB
Return on
Shareholders Equity
17.5% 18.1% 17.3% 14.6% 6.8% 10.9% 18.2%
Revenues 7.88 6.23 6.48 2.84 3.87 3.65 3.43
Operating Profit 5.32 4.17 5.26 2.11 2.08 2.15 1.98
Net Profit 3.71 3.05 3.71 1.50 0.86 1.01 1.15
Total Assets 255.7 183.7 157.5 82.5 79.2 90.6 74.3
Customer Assets 159.5 124.8 104.7 57.6 37.7 51.6 48.8
Customer Deposits 151.8 109.9 103.5 60.3 45.4 64.8 55.2
Source: Financial Statements & MDA for the year ended 31 December 2011
Strong and
Influential
Shareholder
Robust
Financial
Health and
Liquidity
Steady
Growth
Strong and
Established
Brand
Customer
Service
Extensive
Distribution
Network
Experienced
Management
Innovative
Products and
Services
Independent
Risk
Management
Conservative
Provisioning
Policies
Transparency
&
Best Practice
4
th
Largest
Islamic Bank
Globally by
Assets
5
Key Strengths
! Fastest growing major Islamic Bank
! A leader in governance &
disclosure
! Strong customer Solution & orientation
! Inline with global banks
! Global best practice in
regard to NPA policy
! Extensive international experience with leading
regional and global bank
! 70 branches, 460 ATMs, 450,000+ customers
! Ranked 1
st
in UAE in terms of
service quality
! Growth in Total Assets of 45%
from 2008 to 2011 and deposits
47%
! Sustained growth in profits; one of the
most liquid bank in UAE
! Majority owned by members of the Abu Dhabi Royal family & Government
! We represent Banking
as it should be
6
Financial targets over the medium term
ROASE of 20%
2 Cost to Income Ratio of less than 35%
3 Earnings increase of 15% p.a.
1
4
CAR - to maintain ratio above current UAE Central Bank minimum
requirement of 12% (8% on Tier-1).
5
Advances to stable funds ratio to maintain below current UAE Central Bank
maximum requirement of 100%.
7
Salient features of FYR 2011 results
1 Record Group net profit exceeds AED 1 Bn.
2
Top line revenues maintain a momentum with a growth of 11% year-on-year. 3
Return on Shareholders equity at 18.2% 4
4
th
quarter net profits of AED 216.2Mn, 90% higher than the corresponding quarter of 2010.
Total Capital Adequacy Ratio under Basel II remains strong at 17.39% and Tier 1 Ratio of
14.18% at 31 Dec 2011, comfortably above the CB UAE requirements of 12% and 8% respectively.
5
6

Advances to Stable Funds Ratio remains at 83.4 % at 31 Dec 2011, comfortably below the CB UAE
maximum threshold of 100%.

7 Overall, a solid set of results in challenging economic and market conditions.

31 Dec 10
AED Bn
31 Dec 11
AED Bn
% chg


Total Assets 75.3 74.3 1%

Net Customer Financing 48.0 48.8 2%

Customers Deposits 56.5 55.2 2%


Total Equity 8.1 8.6 6%


Total Capital Resources 15.8 15.4 3%
8
31 December 2011 Balance sheet highlights
! Total Assets decreased by 1% over 2010 to
reach AED 74.3 bn.
! Customer financing increased by 2% from
2010 to reach AED 48.8 bn.
! Capital adequacy ratio at 31 Dec 2010 was
17.39% - Basel II, well above the Central
Bank of UAE requirement of 12%.
! Customer deposits drop by 2% over 2010
and Advances to Stable Funds Ratio at 31
Dec 2011 was 83.4%.
! Capital resources reached AED 15.4 bn,
down 3% over end 2010.
9
FYR 2011 Income statement highlights
! Revenues up by 11% on the back of higher
net revenue from funds (up 9%) and fees &
commission (up 25%).

FYR 2010
AED Mn
FYR 2011
AED Mn
% chg


Revenues 3,074.0 3,425.8 11%


Expenses 1,301.2 1,449.6 11%

Operating profit - Margin 1,772.8 1,976.2 12%


Provision for impairment 749.2 821.1 10%


Net profit 1,023.6 1,155.1 13%
! Expenses up by 11% mainly due to
continuous investment in our franchise,
network, systems and people.
! Provision for impairment up by 10%. The
Bank continues its conservative approach to
provisioning.
! Net profit up by 13% on continued growth in
core operations while maintaining prudent
risk policies.
! Operating profit Margin up by 12%
10
Key income parameters - Group
3,641
-1,045
Q4 11
962
-201
Q3 11
-198
Q4 10
1,019
3,728
FYR 10
+9%
-886
FYR 11
891
+8%
-311
Net Revenue from Funds (AED Mn) Fees, commission and other income (AED Mn)
708 692 761
2,596

2,841
Net revenue from funds
119
4
9
Q4 10
125
90
33
8
+22%
131
-7%
FYR 11
585
429
30
FYR 10
478
343
106
29
Q4 11
132
123
94
21
8
Q3 11
Fees & Comm
Investment & other income
FX
Q4 11
4.6%
1.6%
6.3%
Q3 11
4.5%
1.6%
5.8%
Q2 11
4.9%
1.9%
6.2%
Q1 11
4.4%
2.1%
5.9%
Q4 10
4.5%
2.5%
6.5%
Evolution of Yields
Net profit margin
Yield on profit bearing liabilities
Yield on profit earning assets
Revenues (AED Mn)
+11%
2011
3,426
2,841
585
2010
3,074
2,596
478
2009
2,520
2,109
412
2008
2,199
1,728
470
2007
1,438
952
485
Revenue from funds Profit paid on funds
Net revenue from funds
Fees, commission & other income
2%
-15 %
11
Key income parameters - Group
Revenues contribution split % (AED Mn) Operating expenses (AED Mn)
42.3%
Highlights
! FYR 11 Fees, commission and other income revenues
contribution to operating income was at 17% compared
to 16% for FYR 10.
! FYR 11 provision for impairment includes AED 196 Mn
relating to Groups real estate subsidiary (FYR 10 AED
119 Mn) .
FYR 11
1,450
896
463
91
FYR 10
1,301
793
431
77
Q4 11
393
235
133
25
Q3 11
355
221
109
24
Q4 10
381
230
132
19
Employee costs General and admin expenses Depreciation

45.4% 43.0% 44.5%
42.3%
Cost to income ratio
2010
84%
16%
2009
84%
16%
2008
79%
21%
2007
34%
66%
2011
83%
17%
Net revenue from funds Fees, commission & others
1,976
1,773
1,527
1,311
886
1,449
1,155
1,024
78
851
769
2007
117
+13%
2011
821
2010
749
2009 2008
460
Net Profit (AED Mn)
Net Profit
Provision for impairment
Operating profit
2,199 2,520 3,074 3,426 1,438
Cash & bal with
central banks;
15.1%
Due from FIs;
10.4%
Customer
financing;
65.7%
Investments;
2.2%
Fixed assets &
Other Assets;
6.6%
12
Balance Sheet Strength
Remains one of the most liquid banks in the UAE on the back of above market balance sheet growth
48.8 48.0
40.5
34.2
24.3
55.2
56.5
48.2
37.5
29.6
+2%
-2%
2011 2010 2009 2008 2007
2011
88.5%
82.1%
2010
84.8%
2009
83.9%
2008
91.2%
2007
Net Customer Financing & Customers Deposits (AED Bn)
Customer Deposits
Customer Financing
Composition of Assets AED 74.3 Bn
Customer financing to Deposits ratio %
! Strong asset quality and liquidity.
! CAGR (2008 2011)
- Total Assets 13.2%
- Customer financing 12.6%
- Customers Deposits 13.7%
! Net Profit Margin (NPM) was 4.6% for Q4 11 and
4.5% for Q4 10.
Key points
Individual;
59.8%
Corporate;
30.6%
Govt. & PSE;
5.4%
Others;
4.2%
13
Customer Financing
Gross Customer Financing by Segment
Gross Customer Financing by Geographic Region Highlights
! Retail and Wholesale remains ADIBs pricing market
focus.
! Diversified portfolio across various segments.
! Leader in car financing in the UAE.
! Support the vision of Govt. of Abu Dhabi and
development of the UAE.
Gross Customer Financing by Customer Type
+20%
2011
51.8
48.9%
38.4%
12.7%
2010
50.2
46.3%
38.6%
15.1%
2009
42.2
45.8%
37.0%
17.2%
2008
34.8
44.0%
40.0%
16.0%
2007*
24.7
Retail Wholesale Private
UAE; 96.2%
Middle East;
1.5%
Europe;
0.7%
Others; 1.6%
*2007 customer financing was unsegmented
! Impaired NPAs increased by AED 928 Mn in 2011 to reach
AED 4,509 Mn at end of Q4 2011.
! NPAs ratio at 8.7% as at 31 Dec 2011 (7.1% at end Q4 2010)
with a coverage of 66.8% (31 Dec 2010: 63.6%).
! Collective provisions of AED 763 Mn at end of Q4 2011
represents 1.65% of Customer RWAs.
! Individual provisions of AED 2,247 Mn at 49.8% of NPAs at
end of Q4 2011 (31 Dec 2011: 47.5%).
! Total provisions of AED 3,010 Mn, represents 5.81% (31 Dec
2010: 4.53%) of Gross Financing portfolio.
14
Asset quality
Key points Impairment charge (AED Mn)
Provisions and NPAs (AED Mn)
188
2010
557
500
58
2009
1,162
780
383
2008
236
321
-84
2011
745
558
Individual / Specific
Collective / General
NPA ratio and provision coverage ratio
Q4 11
8.7%
66.8%
Q3 11
8.9%
59.6%
2010
7.1%
63.6%
2009
6.0%
69.3%
2008
3.5%
48.6%
2007
0.7%
208.2%
NPA ratio Provision coverage ratio
135
135
4,509 4,578
170
1,213
5,985
7,129
5,472
4,169
378
3,010
2,247
763
Q4 11 2010
628
2,729
2,101
Q3 11
2,277
1,702
575
3,581
2009
1,751
1,233
518
2,527
2008
590
455
1,338
2007
354
219
Collective / General
Individual / Specific
NPAs - impaired
NPAs - Total
15
Funding Profile
Customers Deposits by Segment
Customers Deposits by Type
! Wholesale and Retail segment to remain as major
source of deposits.
! Diversified deposits by type main deposit contributors
are individuals and government/public sectors.
! ADIB has begun to diversify its funding sources, as
highlighted by the recent successful USD 500 Mn issue.
Composition of liabilities (AED 65.8 bn)
+17%
2011
55.2
42.7%
45.7%
11.7%
2010
56.5
50.3%
36.2%
13.4%
2009
48.2
48.9%
36.7%
14.4%
2008
37.5
49.4%
35.1%
15.4%
2007*
29.6
Current
Accounts;
26.1%
Saving
Accounts;
20.3%
Short Term
Investments
Accounts;
7.3%
Time
Deposits;
9.2%
Wakala
Deposits;
37.1%
Wholesale Retail Private
5.4
2.2
2.1
0.9
4.6
2.2
1.9
1.9
Depositors
accounts
55.2
56.5
Sukuk Tier 2
wakala
Other
liabilties
Due to FI
2011
2010
Highlights
*2007 customers deposits was unsegmented
16
Capital
! Basel-II total Capital Adequacy ratio at end of
2011 at 17.39% comfortably above the minimum
UAE Central Bank requirement of 12%.
! Basel-II Tier I ratio at 14.18% at the end of 2011
above the 8% minimum required by UAE Central
Bank.
Capital Adequacy (%) Total equity and reserves (AED Bn)
2008 2009 2010 2011
12.0%
12.0%
14.2%
17.4%
8.0%
13.0%
16.0%
7.0%
11.0%
13.5%
17.0%
6.0%
10.0%
13.5%
11.6%
8.0%
Minimum Tier-1 requirement
UAE Central Bank CAR requirement
Tier 1
Total CAR
ADIBs CAR of 17.39% remains above the Central Bank threshold of 12% for CAR
8.6
8.1
7.1
5.6
+15%
2011 2010 2009 2008
Key points Liquidity ratio* %
21.6%
13.7%
2011
25.1%
2010
27.6%
2009
27.2%
2008
* Liquid assets include cash and balances with central banks, balances and wakala deposits with banks and financial
institutions, murabaha and mudaraba with financial institutions (liquidity ratio is calculated as follows: liquid assets divided
by total assets)
2,000
2,200
2,400
2,600
2,800
3,000
3,200
3,400
-
0.50
1.00
1.50
2.00
2.50
3.00
3.50
4.00
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P
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(
A
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ADIB vs ADX
ADIB ADX
A
D
X

P
o
i
n
t
s
17
Shareholders Return

! 31 December 2011 share price was AED 3.16 per share.
! Proposed cash dividend of 24.42% for 2011 (Cash dividend of 21.64% for 2010).
! 2011 Total Yield of ADIB share 7.7%. (2010: 7.3%)
18
Dividend Distribution & Tier 1 profit
2007 2008 2009 2010 2011*
Net Profit (Mn) 769.0 851.1 78.0 1,023.6 1,155.1
Cash Dividend
(% of Share Capital)
20.0% 21.6% - 21.6% 24.4%
Bonus Shares
(% of Share Capital)
- - 20.0% - -
Cash Dividend Payout Ratio
(% of Net Profit)
51.2% 50.0% - 50.0% 50.0%
Yield 3.2% 8.3% 6.9% 7.3% 7.7%
* Subject to shareholders approval in Annual General Assembly
2007 2008 2009 2010 2011
Profit paid on Tier 1 Sukuk
(Mn)
- - 60 120 120
Yield - - 6% 6% 6%
19
Outlook - 2012
1
We believe that 2012 will be another challenging year as the global financial crises enters its fourth year,
and will therefore continue to implement our cautious growth strategy by entering new markets and
servicing new segments in a prudent manner.
2
We will continue to build up collective/general provisions as is prudent, despite having reached 1.65% of
customer risk weighted assets
3
We will continue to grow our Retail Banking presence across the UAE where we want to be the leading
financial services provider in all our targeted client segments.
4
We continue to build our Wholesale Banking, Private Banking, Community Banking and Capital Markets
businesses.
5
We will continue to diversify the sources and structure of our revenue 6
We continue to invest in infrastructure, delivery channels, and people and expect our cost to income
ratio to reflect this.
7
We will continue to increase our individual/specific reserves as a leading credit policy bank .
20
Business Overview
" Ownership & Corporate Structure
" ADIB Strategy
" Business Segments
" Retail banking overview
" Wholesale banking overview
" Private banking overview
ADIB Ownership

! ADIB is mainly owned by UAE nationals and companies, including a number
of members of the Abu Dhabi royal family.
! The Banks main shareholder is EIIC, which is a private holding company,
wholly-owned by members of the Abu Dhabi Royal Family.
! EIIC considers ADIB as one of its strategic holdings, and has shown support
to the Bank in the past (as evidenced by its subscription on the convertible
Sukuk in 2007)
EIIC; 40.66%
Abu Dhabi
Investment Council,
7.61%
UAE General Pension
and Social Security
Authority, 2.31%
Others; 40.38%
Members of AD
Royal Family; 9.04%
21

! Abu Dhabi Islamic Securities Company (95%) is a
brokerage firm established in 2005
! Burooj Properties (100%) is a real estate company
established in 2005
! Kawader Services Company (100%) is a recruitment
consulting company, dedicated solely to ADIB

! National Bank for Development (49%) provides
banking services in Egypt
! Bosna Bank International (27%) is an Islamic bank
based in Bosnia
! BBI Leasing and Real Estate Company (32%)
operates in Bosnia
! Abu Dhabi National Takaful (40%) offers insurance
services
Ownership & Corporate Structure

! Since inception the Financial Services and Real Estate business have been run independently, and on an arms-length basis of each other, under
the Abu Dhabi Islamic Bank and Burooj business structures respectively.
! The Group Financial Services and Real Estate businesses are the responsibility of two separate management teams.
Subsidiaries Associates
22
ADIB Strategy
Build Market Leadership
at Home
The key customer service sectors are
Private Banking, Personal Banking,
Business Banking and Wholesale
Banking, supported by Cards,
Transaction Banking, Treasury,
Corporate Finance, Investment Banking
and Wealth Management.
ADIBs retail presence will continue to
aim for market leadership.
At the heart of ADIBs new customer-
centric approach is a greater bank-wide
focus on customer services.
Create an Integrated
Financial Services Group
ADIB continues to build a diversified
Islamic financial services model.
Currently ADIB provides customers
access to Real Estate Management and
Advisory (Burooj), Takaful insurance
(through Abu Dhabi National Takaful
Company) and brokerage (through ADIB
Securities Company).
Pursue International
Growth Opportunities
With the growing acceptance of Islamic
banking worldwide, ADIB is increasingly
turning its attention to replicating its
business model through systematic
geographic expansion.
ADIBs international expansion began in
Egypt with the acquisition of 49% of
National Bank of Development and in
Bosnia with the 27% stake in Bosna Bank
International, and continues with the
establishment of Iraq, Qatar, UK
operations.
ADIB is also in the process of applying
for banking licenses in a range of other
countries.
To be a top tier Islamic financial services group
Providing Islamic financial services for the global community
by
Simple & Sensible Transparency Mutual Benefits
Hospitality &
Tolerance
Sharia Inspired
64% of
net
revenues*
23
Retail
Banking
! Personal Banking Division provides services for individuals clients, while the Business
Banking Division services the needs of SMEs.
! These services include a variety of Sharia compliant financing.
Private
Banking

! Private Banking focuses on high and ultra high net worth individuals and non profit
organizations.
! Wealth Management concentrates on developing, marketing and servicing a wide range of
wealth management products (including third party and ADIB proprietary funds) for high net
worth, affluent and mass market.
Wholesale
Banking
! Wholesale Banking encompasses the corporate, financial institutions and public sector
divisions of the Bank. The array of services was recently increased to include transaction
banking and corporate finance / investment banking.
! Direct Investment Unit is a small and dedicated team that focuses on the Banks investment
process from incubation to exit.
Business Segments
Treasury
Division
! Treasury Division is primarily concerned with the oversight of the Banks assets and liabilities
management and the overall financial structure (funding, liquidity FX, Capital Markets and
other financial market related activities).
7% of
net
revenues*
25% of
net
revenues*
4% of
net
revenues*
*Figures as of 31 December 2011 financial statements
24
Retail banking overview
Liabilities(AED Bn)
25.3
21.0
18.3
13.7
+23%
2011 2010 2009 2008
UAE retail network
Assets (AED Bn)
25.8
23.5
19.4
14.9
+20%
2011 2010 2009 2008
2011
69
2010
66
2009
52
2008
44
2007
40
Revenues (AED Mn)
2,192
2,017
1,283
1,113
+25%
2011 2010 2009 2008
Branches
323
204
116
75
460
2010 2009 2008 2007 2011
ATMs
25
Wholesale banking overview
Liabilities (AED Bn)
17.0
21.0
16.6
19.1
-4%
2011 2010 2009 2008
Assets (AED Bn)
18.9
18.6
15.0 14.7
+9%
2011 2010 2009 2008
Revenues (AED Mn)
869
709
571
835
+1%
2011 2010 2009 2008
Highlights
! Segment assets growth in last 3 year 29%.
! Segment liabilities drop in 3 years 11%.
! Segment revenues growth in 3 year 4%
26
Private banking overview
Liabilities (AED Bn)
6.5
7.8
7.1
5.9
+4%
2011 2010 2009 2008
Assets (AED Bn)
6.1
7.3
7.1
5.6
+3%
2011 2010 2009 2008
Revenues (AED Mn)
231
155
180
309
-9%
2011 2010 2009 2008
Highlights
! Growth in segment assets of 9% in last 3 year.
! Growth in segment liabilities of 10% in 3 years.
! Segment revenues were dropped by 25% in 3 year.
27
Appendix
" Consolidated Income Statement
" Consolidated Balance Sheet
" Key income parameters Bank only
" An award winning Islamic Bank
" Rating Excerpts
" Executive Management Biographies
28
Consolidated Income Statement
AED Mn

Q4 10 Q3 11 Q4 11
% chg Q4
11 vs Q4 10
% chg Q4
11 vs Q3 11
FYR
2010
FYR
2011
% chg FYR
2011 vs
FYR 2010

Revenues 839.0 824.6 884.1 5.4% 7.2% 3,074.0 3,425.8 11.4%
Net Revenue from Funds 707.7 692.4 761.5 7.6% 10.0% 2,595.7 2,841.2 9.5%
Fees & commission 90.2 118.9 94.0 4.2% -21.0% 343.3 429.3 25.1%
Investment income 19.7 4.9 14.0 -28.7% 188.4% 91.5 115.3 26.1%
Foreign Exchange 7.7 8.8 7.9 1.8% -10.7% 29.1 30.1 3.5%
Other income 13.7 (0.4) 6.8 50.4% 1914.7 14.4 9.9 -31.3%
Expenses 381.0 354.7 393.0 3.1% 10.8% 1,301.2 1,449.7 11.4%
Employee cost 229.8 221.2 234.7 2.1% 6.1% 792.8 895.7 13.0%
Premises 30.7 36.0 41.5 35.1% 15.2% 116.2 141.6 21.9%
Depreciation 19.4 24.2 25.0 29.1% 3.2% 77.2 91.4 18.4%
Other Operating expenses 101.1 73.2 91.9 -9.2% 25.5% 315.0 320.9 1.9%
Operating Profit - Margin 457.9 469.9 491.1 7.2% 4.5% 1,772.8 1,976.2 11.5%
Provision for impairment 343.8 150.8 274.9 -20.0% 82.3% 749.2 821.1 9.6%
- Individual / Specific 324.9 147.1 148.4 -54.3% 0.9% 499.5 558.7 11.8%
- Collective / General (127.4) 13.1 134.9 205.9% 926.9% 57.7 187.5 224.7%
- Others 146.3 (9.4) (8.3) -105.7% -11.7% 192.0 74.9 -61.0%
Net Profit 114.1 319.1 216.2 89.5% -32.2% 1,023.6 1,155.1 12.8%
29
Consolidated Balance Sheet
AED Mn 31 Dec 2010 30 Sept 2011 31 Dec 2011
% chg 31 Dec
2011 vs 30 Sept
2011
% chg 31 Dec
2011 vs 31 Dec
2010
Cash and balances with Central Banks 5,400 9,856 11,207 13.7% 107.5%
Due from financial institutions 15,730 8,920 7,732 -13.3% -50.8%
Net Customer financing 47,953 48,443 48,831 0.8% 1.8%
Investments 1,639 1,973 1,653 -16.3% 0.8%
Investment in associates 837 849 852 0.2% 1.7%
Investment and development properties
1,242 1,307 1,122 -14.2% -9.7%
Other assets / fixed assets 2,456 2,814 2,939 4.4% 19.7%
TOTAL ASSETS 75,258 74,163 74,335 0.2% -1.2%
Due to financial institutions 891 1,282 1,931 50.6% 116.7%
Customers' deposits 56,517 54,398 55,172 1.4% -2.4%
Other liabilities 2,092 2,127 1,863 -12.4% -10.9%
Tier 2 wakala capital 2,207 2,207 2,207 - -
Sukuk payable 5,440 5,684 4,591 -19.2% -15.6%
TOTAL LIABILITIES 67,147 65,698 65,764 0.1% -2.1%
Share capital 2,365 2,365 2,365 - -
Tier 1 sukuk 2,000 2,000 2,000 - -
Proposed dividend 512 - 578 100% 12.8%
Reserves 3,234 4,100 3,629 -11.5% 12.2%
TOTAL EQUITY 8,111 8,465 8,571 1.3% 5.7%
TOTAL LIABILITIES AND EQUITY 75,258 74,163 74,335 0.2% -1.2%
30
Key income parameters Bank only
2011
3,410
2,941
469
2010
3,050
2,695
355
2009
2,387
2,218
169
2008
1,905
1,784
121
2007
1,261
976
284
Net revenue from funds Fees, commission & others
Revenues (AED Mn) Net Profit (AED Mn)
Cost to Income Ratio (%)
2007 2008 2009 2010 2011
39.3%
33.3%
39.9%
39.5%
36.5%
39.0%
Medium-term Cap - 33.3% Cost - Income Ratio (Bank)
2,050
1,845
1,516
1,162
765
630
1,405
371
1,425
1,215
111
791
648
2011
625
2010 2009 2008 2007
117
Net Profit
Cost of credit
Operating profit
Return on Shareholders Equity (%)
2007 2008 2009 2010 2011
25.0%
22.1%
22.1%
2.2%
15.0%
16.4%
Medium-term Cap - 25%
Return on Shareholders Equity excluding Tier 1 sukuk
31
An award winning Islamic Bank

Best Islamic Bank
Globally by Islamic Business
& Finance for 2010 & 2011
December 2010 & 2011


Best Corporate Bank for
2011 by Islamic Business & Finance
December 2011
Best Islamic Bank
in the UAE for 2010 and 2011
November 2010 & February 2012

Franchise Awards
Best Islamic Bank in the UAE for
2010 and 2011 by Islamic Finance News
January 2011 & 2012
Best Islamic Bank in the
Middle East by Bankers Middle East for
2010 & 2011
June 2010 & 2011
Fastest Growing Bank in the
UAE in 2011 by Banker Middle East
June 2011

Best Islamic Bank in 2011
in the UAE by Global finance
September 2011
Best Ladies Banking Service
By Banker Middle East Product Award
March 2011
32
An award winning Islamic Bank

Product & Marketing
Best Deal in the UAE
by Islamic Finance News 2010
(Emirates Steel )
January 2011
Best SME Card award by
Banker Middle East Product Award
March 2011
Human resources development
Emirates Institute of Banking &
Financial Studies HRD Award for
Emiratisation
February 2010 & 2012
Number 1 bank in Customer
service in the UAE by Ethos Consultancy
October 2011
Customer Services Awards
!"# $% #&'% ()*+ ,-%.
/"'"+/0",, 0&1$" 2011
October 2011

The Long and ShortTerm IDRs and Support Rating of Abu Dhabi Islamic Bank (ADIB) reflect the extremely high probability
of support from the UAE authorities, if required. The Individual Rating reflects the banks good liquidity, strong franchise and
adequate capitalisation. It also reflects high concentrations in financing and rapid growth in a more challenging operating
environment.
BFSR is supported by ADIB's solid financial fundamentals and its rapidly expanding Islamic franchise in the retail
segment within the United Arab Emirates [] Moodys assessment of a very high probability of systemic support in the
event of need, reflecting ADIBs strong relationship with the Abu Dhabi government and its importance within the
domestic banking system, as the second largest Islamic bank.
33
Ratings Excerpts
A2 Stable
October 2011
A+ Stable
December 2010
34
Executive Management Biographies
35
Executive Management Profile (I)
Tirad Marouf Mahmoud
Chief Executive Officer
Joined ADIB in March 2008. He holds a Bachelor degree (major in Corporate Finance) from Loyala of
Concordia University in Montreal, Canada and has also completed the Executive Management Program at
Wharton. He has previously worked at Citibank for 22 years on various assignments. His previous position
was General Manager and Head of the Corporate and Investment Banking with Samba Financial Group, KSA.
Arif Usmani
Global Head of
Wholesale Banking
Sarvesh Sarup
Global Head of
Retail Banking
Joined ADIB on Dec 2008. He holds Master of Business Administration from University of Delhi, India.
He has 23 years of banking experience . Previously worked Citibank as Country Manager, India; Division
Executive , UK / Germany and Retail Banking Head, EMEA.
Joined ADIB on 3 June 2008. He holds a Masters in Business Administration from Tulane University,
Louisiana, USA and BS of Science Chemical Engineering from Texas A&M University, Texas, USA.
He has 33 years experience working with Citibank and SAMBA Financial Group, Riyadh. His previous
position was GM/Deputy Chief Risk Officer with SAMBA Financial Group, Riyadh.
Masarrat Husain
Global Head of Risk
Joined ADIB on 1 October 2007. He holds B.Com (Hons.) Degree from Rhodes University and MBA from
University of Cape Town. He previously worked at HSBC (1990-2007). His previous position was Chief
Operating Officer, Sub Saharan Africa with HSBC Bank (2003-2007).
Andrew Moir
Global Head of Strategy
& Finance
Joined ADIB on November 08, 2009. He holds an MBA from Central Michigan University and a Bachelors
in Commerce from University of Karachi. He has worked with Citigroup in 5 countries (1981-2007). His
previous position was Chief Operating Officer for Arab Bank, Plc Amman Jordan (2007-2009).
Majaz Khan
Global Head of Operations
& Technology
Holds a B.A. in Sharia and Law and a Diploma in Islamic law. He has 16 years of banking experience. He is
a member of Sharia Standard Committee related to Accounting and Auditing Organisation for Islamic
Financial Institutions in Bahrain
Osaid Kilani
Global Head of Shari'a
Joined ADIB on March 6
th
2012. He holds a First Class B.Sc (Hons) degree from Imperial College, University
of London and is an Associate of the Royal College of Science. He has previously worked for over 30 years
with Citibank in 6 different countries including a stint as CRO of Samba Financial Group from October
2003 till August 2007. His last position was Chief Executive Officer with Citibank in Pakistan.
36
Executive Management Profile (II)
Abdul Rahman Abdullah
Head of Strategic Clients
And Community Banking
Joined ADIB on 12 September 1998. He holds a Bachelor in Science. He has 29 years banking experience
His previous position was Deputy Head of Private Banking Department at the National Bank of Abu Dhabi.
Bashar Jallad
Treasurer, UAE
Joined ADIB on 20 Jan 2008. He holds BA in Finance from Hillsdale College - Michigan, USA - 1989. He
has 19 years banking experience. His previous position was Head of GCC Money Market Financial Market
Group with National Bank of Abu Dhabi.
Joined ADIB in November 1998. He holds an MBA from the UAE University. He has 19 years banking
experience. His previous position was as a branch manager for Oman Housing Bank.
Joined ADIB on 12 January 1998. He holds a Bachelor of Commerce degree and professional certifications
from The Institute of Internal Auditors (USA), Institute of Chartered Accountants (PAK), He has 19 years
banking experience. His previous position was Assistant Manager - Internal Audit with Kuwait Finance House
Badaruzzaman Ahmed
Global Head of Corporate
Governance & Compliance
Joined ADIB on 1 January 2012. He hold a Master's degree in Personnel Management & Industrial Relations
and has worked for over 20 years with Global Banks in the Middle East, UK, USA, Europe, Asia and Africa.
His previous position was Managing Director of Talent First Limited a UK based HR Consulting company.
Noble Powar
Global Head of Human
Resources
Stuart Crocker
Global Head of
Private Banking
Joined ADIB on the 1
st
of May 2011. He holds a Graduate Degree from the Royal Military Academy
Sandhurst. His previous position was CEO HSBC Private Bank in UAE & Oman (2007-2011) and was a Member
of the General Management heading client segmentation for HSBC in Geneva (2005-2007). He has spent
15 years in various leadership positions with Merrill Lynch in the UAE & UK.
Abdulla Al Shahi
Head of International
Expansion
Abdul Hakim Kanan
Global Head of Audit
and Risk Review
Joined ADIB on 18 April 2010. He holds a Certified Public Accountant (CPA) from State Board of
Accountancy, New Hampshire, US. He also holds professional qualification CIA,CISA,CITP,CFSA,CFE and
CGEIT. He has over 24 years of experience. His previous positions were Group Chief Internal Auditor
of Dubai Islamic Bank.
37
Executive Management Profile (III)
Ahsan Ahmad Akhtar
Group Financial Controller
Joined ADIB on 9 April 2008. He is a Chartered Accountant from the UK and holds a Bachelor of Science
degree in Accounting & Finance from the London School of Economics and Political Science. He has
previously worked with Pricewaterhouse Coopers (1991 1998) and Citibank (1998-2008). His previous
position was Country CFO with Citibank, Pakistan.
Joined ADIB on 10 December 2005 . He holds Chemical Engineering and MBA degrees along with Chartered
Human Resource Consultant (CHRC), Canada and Chartered in Personal Development (CIPD), UK. He has
6 years banking experience. His previous position was HR & Training Manager with ADCO, Abu Dhabi.
Waheeb Al Khazraji
Head of Human Resource,
UAE
Joined ADIB on 3 August 2000. He holds a PhD. (Islamic Legal Theory) and a Master of Laws from Indiana
University, USA. He has 11 years of banking experience. His previous positions were Legal and Sharia
Consultant for ABC Islamic Bank and Legal Consultant for the Department of Ports and Customs, Dubai.
Dr. Abdulrahman Yousif Habil
Head of Legal, UAE
38
Disclaimer

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 and is not and does not form part of any offer for sale or
solicitation of any offer to subscribe for or purchase or sell nay securities nor shall it part of it form the basis of or be relied
on in connection with any contract or commitment whatever.
Some of this information in this presentation may contain projections or other forward-looking statements regarding future
events or the future financial performance of ADIB. These forward-looking statements include all matters that are not
historical facts. The inclusion of such forward-looking information shall not be regarded as representation by ADIB or any
other person that the objectives or plans of ADIB will be achieved. ADIB undertakes no obligation to publicly update or
publicly revise any forward-looking statement, whatever as a result of new information, future events or otherwise.