FAB at a glance The UAE’s largest bank and one of the world’s largest and safest financial institutions Asia Pacific(APAC) China / Hong Kong India |Labuan(Malaysia) Global Domestic Branches/ | South Korea presenceGlobal across networkDomestic across Branches/Cash offices presence across network across Cash offices Europe, Americas, and Africa (EAMEA) France | UK | Switzerland | USA I Brazil UAE | Bahrain | Egypt | 5 77 7976 Libya | | Continents Emirates in UAE Note: This map summarises country presence for FAB and its subsidiaries, where the Group currently has active operations. Continents Emirates in UAE For information about legal presence please refer to note #41 of Dec-end 2019 financial statements

Global Finance magazine’s in Emerging World’s Safest in UAE & Middle East World’s Safest Banks ranking #1 #4 Markets #22Commercial Banks As of September 2019 The Bankers’ Top 10001 in in the in UAE in the World World Banks ranking #1 #2 Middle East #86 #108 World (by assets) 1 - by Tier 1 capital strength; July 2019 Largest Bank in the UAE Strongest Ratings in MENA Shareholding Structure2

ADIC PJSC (33.34%)

Total Assets Market Capitalisation Mamoura Diversified Global Holdings PJSC USD 224 Bn USD 45 Bn (3.68%) Mubadala GCC(ex-UAE) 1.32% Investment Foreign(ex-GCC) Loans and Advances Revenue (FY’19) LT Aa3 AA- AA- 3 Company (37.03%) 15.75% USD 111 Bn USD 5.5 Bn Other UAE companies ST P-1 A-1+ F1+ 10,920Mn & individuals 45.90% Customer Deposits Net Profit (FY’19) #shares issued USD 141 Bn USD 3.4 Bn Outlook Stable Stable Stable

As of 31 December 2019 unless specified otherwise Listed on ADX ; Bloomberg ticker FAB DH ; Foreign ownership limit of 40% 2 - Based on outstanding shares (net of 18.9Mn treasury shares) 3 – MIC is 100% owned by Emirate of Abu Dhabi; MIC wholly owns ADIC PJSC & Mamoura Diversified Global Holdings PSJC Robust Financial Metrics – FY’19 Return on Tangible Equity 16.1% NPL ratio 3.2% Liquidity Coverage Ratio (LCR) 129% Return on Risk Weighted Assets 2.56% Provision coverage 93% Basel III CET1 13.5%

Cost-Income ratio (excl. integration costs) 26.8% Cost of Risk (loans & advances) 48bps Basel III Capital Adequacy 16.9%

Diversified Business Profile 5 Strategic Pillars

37% Personal Banking 86% UAE Europe, Americas, 1% Subsidiaries 11% Middle East & Africa (EAMEA) FY’19 7% Head Office FY’19 3% Asia-Pacific (APAC) Mobile Growth & Regional Talent Drive value Revenue Revenue Corporate & centric leadership dominance & mobilisation from scale USD 5.5Bn 55% USD 5.5Bn digitisation in PBG international relevance in CIB

Leading UAE and regional bank (in US$ Bn)

Banking sector assets National Champion4 Net Profit Total Assets Total Equity Market Cap Credit ratings (Moody’s/S&P/Fitch) UAE 840 FABFAB 3.41 224 29.427.7 41.845.1 Aa3a3 // AAAA--// AAAA-- Saudi Arabia 701 NCB 3.04 135 18.6 39.4 A1 / BBB+ / A- Qatar 424 QNB 3.92 258 25.9 52.0 Aa3 / A / A+ Kuwait 234 NBK 1.32 97 14.1 22.8 Aa3 / A+ / AA- Bahrain5 206 AUB 0.73 40 5.4 9.2 NA / BBB / BBB- Oman 93 Bank 0.48 32 5.2 3.5 Ba2 / BB / BB+ 4 – Defined as the largest bank in the country by total assets 5 - As of 30 Nov 2019 Note: All figures and information as on 31 December 2019 unless specified otherwise Award winning franchise

Best Investment Best Equity Best Bank for Middle East’s Most Impressive Best Bank for Bank in the UAE Bank in the Cash Best Bank Middle East Bank Transformation in Middle East Management for Asia Issuer MEA 2019 in the UAE 2019 2019 2019 2019 Global Finance 2019 Global Finance Asia Money Global Euromoney Global Finance Capital