#1Investor Presentation 1Q 2022 May 2022 خروج EXIT interactive interactive Interactive مصرف الإنماء alinma bank digital. fast. convenient.#2Table of Contents 1 Alinma Overview 2 Strategy Update 3 4 Historical Financial Performance 1Q 2022 Financial Performance 5 Segmental Performance 6 Outlook & Guidance 7 Appendix 1Q 2022 INVESTOR PRESENTATION مصرف الإنماء alinma bank 2/49#3Alinma Overview 1Q 2022 Pay مدى mada 1234 1234 1234 1234 VALID 12/23 THRU CLIENT NAME VISA مصرف الإنماء alinma bank digital. fast. convenient.#4History Alinma Bank was established in 2006 as full-fledged Islamic banking services provider. Est. 2006 2007 Roy 2008 2020 مصرف الإنماء alinma bank i+A Establishment Alinma was established by Royal Decree by the Public Investment Fund (10%), the Public Pension Agency (10%) and the General Organization for Social Insurance (10%) Young Corporate Bank Alinma began providing Shariah compliant banking services, asset management and brokerage services though its affiliates Publicly Listed Company Alinma launched its IPO and became a publicly listed company on the Saudi stock exchange (Tadawul) Major Capital Increase Alinma increased its capital to SAR 20 billion from SAR 15 billion via stock dividends to fund the next stage of growth 1Q 2022 INVESTOR PRESENTATION 4/49#5Alinma Overview Alinma is the youngest bank in KSA 14.3 m 476K Monthly Average Users Smartphone Daily Average Users #1 in KSA #3 in KSA #4 in KSA 22.8% CAR (FY 2021) 22.7% CAR 0.73% COR 3.42% NIM (FY 2021) 21.6% T1 10.8% ROE (FY 2021) +28.5% Retail Digital Snapshot 98.8% Digital Transactions Net Income YoY Financial 3.26m Position KSA Market Share Customers 2.01% 150% NPL Ratio NPL Coverage مصرف الإنماء alinma bank 5.7% Assets (4Q 2021) 6.5% Financing (4Q 2021) 5.7% Deposits (4Q 2021) 4.7% NIB Deposits (4Q 2021) #3 Traded Stock in KSA by Value Traded & #2 by Volume Traded (1Q 2022) SAR 26.9 bn Value Traded (1Q 2022) Stock Highlights SAR 77.7 bn Market Capitalization (31 March 2022) 16.1% Foreign Ownership (31 March 2022) SOURCE: Bank Financial Statements, Tadawul 10% Owned by Public Investment Fund 5/49 1Q 2022 INVESTOR PRESENTATION#6Management Team Alinma has built an experienced new management team poised to execute its strategy Saleh Abdullah Al Zumaie in SVP, Head of Retail & Digital Banking Emad Abdulrahman Al Butairi Head of Corporate Banking 1Q 2022 INVESTOR PRESENTATION Mohammed Sultan Al Sehali Chief Internal Audit Officer Abdullah Ali Al Khalifa Chief Executive Officer (CEO) مصرف الإنماء alinma bank Abdullah Jamaan Al Zahrani Head of Treasury Meshary Abdulaziz Al Jubair Chief Operating Officer (COO) Hamoud Abdulaziz Al Humaidan Chief Compliance Officer (CCO) Eyad Osama Al Othman General Counsel & Board Secretary Fahad Abdulaziz Al Mohaimeed Head of Strategy & Business Excellence Gu Yaser Abdulaziz Al Marshde inn Sharia General Secretary Hisham Abdullah Al Turaigi Chief Credit Officer (CCRO) Abdullah Mohammed Al Salamah Chief Human Capital Officer (CHCO) Adel Saleh Abalkhail Chief Financial Officer (CFO) Meshal Hamad Al Rabiah Chief Risk Officer (CRO) 6/4 /49#7Strategy Update 11:58 1Q 2022 Lean Mekl سداد 7512 SAR UNPAD SUBTO 201 1 15 IMP $1430 S مصرف الإنماء alinma bank digital. fast. convenient.#8Strategic Positioning Alinma Bank's strategic positioning cascades down into each business strategy Excellence Shariah Compliance Digital 1Q 2022 INVESTOR PRESENTATION Corporate Retail Treasury Segment wise Bank wide Be recognized and celebrated as the fastest and most convenient bank in KSA مصرف الإنماء alinma bank Be the #1 in Net Promoter Score (NPS) across KSA Banks > Be the #1 Employer of choice across KSA Banks Be the most digitally advanced, fastest, and most convenient Retail bank in KSA Be the Corporate bank with the best customer experience (increasingly integrated) and offer the fastest turnaround time in KSA Be the most innovative Shariah compliant Treasury partner across KSA 8/4 /49#9Strategy Overview Key success factors for Alinma Bank's strategic positioning "Most digitally advanced, fastest, and most convenient bank" digital fast convenient #1 NPS Affluent & HNW Youth Retail Corporate Best UX 40-50% more customers "#1 Employer of choice" across KSA Banks مصرف الإنماء alinma bank "Best customer experience and fastest turnaround time" Large, Mid Corporate Project Finance High-quality SME Trade Finance & Cash Management Digitization Hedging Advanced Analytics DevOps Digital Treasury Investments FI Agile Deployment ALM "Recognized and celebrated as the fastest and most convenient bank" simple excellent innovative 1Q 2022 INVESTOR PRESENTATION 30+ new products "Most innovative Shariah-compliant Treasury partner" 9/49#10Strategy Progress Update Driving changes across the businesses and bank-wide 2021-2025 Strategic Ambitions Digital Fast Build digital factory and apply latest available technologies - Advanced Analytics (AA), Al and Big Data Improve processes and speed to market > Convenient Enhance customer convenience and experience 1Q 2022 Achievements Digital factory operating model completed & operations kick-off ■ +2 AA use cases in progress and +2 operations RPA completed; agile app enhancements every 2 weeks Completion of digital academy training curriculum ■ Reduced turnaround time on Personal Finance by 25% and by 22% for Home Finance ■+40% Agile IT Projects Delivery Simplified Corporate Credit process with improved turnaround by +30% Expanded network of correspondent banks by 5 ■ +7 new digital zones, +7 ATM sites ■ New E-Trade product launched ■ +2 new buyout products launched for retired segment ■ SME: +14% POS financing and +13% Kafalah financing ☐ مصرف الإنماء alinma bank 2022 Initiatives In-Progress Empower Digital Enablement team to accelerate digitalization Expand digital investment and savings products and cross-sell investment products ■ Establish AA Centre of Excellence ■ Continue enhancement of digital journeys and app functionality, and increase cross- sell ■ Upgrade systems support for new Treasury processes Strengthen customer acquisition partnerships Adjust client coverage models ■ Enhance family account, Youth and Affluent ecosystems and programs Total 1Q 2022 INVESTOR PRESENTATION 73 Initiatives* *additional 7 initiatives added in 1Q 2022 24/73 Initiatives Completed 33% 44/73 Initiatives In Progress 60% 10/49#11Retail Focus on building two customer franchises Focus to date Wealth Segments Acquisition focused on classic segments Future Focus Gold, Platinum, Diamond, and Private segment customers driving majority of deposits Digital capabilities to acquire customers Initiatives Completed to Date: Key 1/18 initiatives completed 6% 1Q 2022 INVESTOR PRESENTATION Digitally-savvy Affluent and HNW 2 Digitally-savvy Youth 3 مصرف الإنماء alinma bank Customer experience and operational excellence Alinma Retail Vision Experienced professionals and self-employed Saudis 35-50 year-old customers, in the wealth segment... Drive growth in deposits Young Saudi professionals and University students 18-35 year-old customers, in the wealth segment... Drive growth in Financing Reinvent the experience and improve multi- channel delivery Enhance experience around digital journeys and in-branch services Elevate customer engagement through tailored services and products "Be the most digitally advanced, fastest, and most convenient Retail Bank in KSA" Launch of New Tailored Products New Operating Models and Effective Processes Distribution Expansion Improved Turnaround Time Achievements 1Q 2022 Retired segment Land & Buyout Construction Mortgage Buyout Non-REDF self construction Dedicated Enhanced Improved self finance branch application credit team processes stage for PF +7 +7 -25% -22% Digital Zones New ATMs Personal Finance Home Finance 11/49#12Corporate Evolve the bank and diversify across sectors Focus to date Large corporates and project finance Global Transaction 1 Large, mid-corporate & project finance 2 High-quality SME portfolio 3 Banking (GTB) - Cash & Trade Management مصرف الإنماء alinma bank ☐ Alinma Corporate Vision Focused on lending Leveraging Kafalah program Future Focus Drive customer centricity, aligning RMs, product specialists and industry experts Foster Kafalah program lending Build the cross-sell model Revamp commercial processes Tech-enabled front line Enhance product & channel offering in X-Sell categories Integrate digital offering Expanded Mid-Corp Initiatives Completed to Date: Key Segment Achievements +48% 1Q 2022 5/16 initiatives completed 31% Growth in booked assets Expanded teams' regional presence Extend SME portfolio along supply chain related offerings Grow SME Portfolio +14% +13% POS financing Kafalah financing Preferred GTB financial service provider Migrate business partners to GTB solutions for efficiency, productivity and higher profitability Lead in GTB field via innovation and digitalization "Be the Corporate bank with the best customer experience and offer fastest turnaround time in KSA" New Products & Centralization Improved Turnaround Time -30% Launched E- Trade Centralization of GTB call Simplified corporate center credit process New application forms 1Q 2022 INVESTOR PRESENTATION 12/49#13Treasury Become core partner for corporate clients and grow Fl franchise Focus to date Liquidity management and stable risk Strong track record with well-managed liquidity profile and investment revenue and stable risk > Future Focus Fl customers serviced well Enhanced financial 1 Derivative products 2 institutions franchise 3 مصرف الإنماء alinma bank High Quality Asset Liability Management Alinma Corporate Vision Grow product portfolio to provide holistic value proposition to clients Drive Customer centricity to facilitate bank-level alignment and improved cross-sell revenues Fls represent important source to diversify funding and show continued interest into KSA investments Grow deposits and long term liabilities on one side and term assets on the other to maintain a healthy balance sheet Continue to focus on liquidity and stable funding ratios "Be the most innovative Shariah compliant Treasury partner across KSA" +20bn +5 banks Expansion of Products and Volumes Increased FI Coverage Initiatives Completed to Date: Key Achievements 5/12 initiatives completed 1Q 2022 42% Expanded Derivatives customer base FX transaction volumes Correspondent Fls added globally Investment Base Enhancement +2.7bn Enhanced investment book Upgrade Treasury system to add more products New Treasury system progressing well 1Q 2022 INVESTOR PRESENTATION 13/49#14Digital Build Digital to scale customer experience and operational excellence across the bank Focus to date Driving digital capabilities World-Class Digital Capabilities 2 Improve Operating Model 3 Drive Operational Excellence مصرف الإنماء alinma bank Alinma Corporate Vision Pursuing initiatives across Advanced Analytics and Big Data, Al and RPA Future Focus Projects are driven by Agile ways of working Augment digital work force with best in class talents and upskill digital teams by establishing digital training e-academy Accelerate digitization Progress on Advanced Analytics while building new capabilities Reinvent the customer experience and improve multi-channel capabilities Leverage the ecosystem to create innovative and unique propositions Deliver with speed, quality and efficiency Improve ways of working, e.g. Agile delivery, DevOps, etc. Establish the digital factory to power rapid delivery and foster innovation Improve efficiency through digitization of services and products Automate internal processes using robotics to enhance turnaround times. "Be recognized and celebrated as the fastest and most convenient bank in KSA" Project Delivery Initiatives Completed to Date: New Models & Digital Factory Established Igniting Operations Improved Ways of Working Key Achievements +40% +2 +2 7/17 initiatives completed 1Q 2022 Agile IT 41% Projects Delivered Advanced Analytics use cases development in progress Digital factory Completion of operating digital academy model kick-off training Operations RPAs completed Agile release enhancements to mobile App every 2 weeks curriculum 1Q 2022 INVESTOR PRESENTATION 14/49#15Human Capital Fostering a great working environment and being the cultural transformation champions in the organization مصرف الإنماء alinma bank Focus to date Hiring and training activities > Improve Work Environment Future Focus Female Empowerment Hire Top Talent Initiatives Completed to Date: Key Achievements 6/9 initiatives completed 1Q 2022 67% 1Q 2022 INVESTOR PRESENTATION Drive cultural change agenda 2 Grow capabilities across the bank Organizing Alinma for Alinma 3 success Corporate Vision Cascade new strategy to organization and embed in communication Measure and improve employee engagement/ organizational health Regularly celebrate success stories Hire top talent including new capabilities (i.e. data science) Continuously develop capabilities through learning Develop rotational programs, new career path to foster innovation Adjust working model based on new requirements Implement agile forms of organization in future Digitalize and streamline HC processes "Be the #1 Employer of choice across KSA Banks" Increased Training & Key Placements Continuous Improvement Workplace Saudization Increased Employee Engagement 109 Employees awarded Conducted engagement focus groups Launched new educational programs 94.38% Key roles hired and future key roles identified Rotational program for new hires Increased annual leave Saudization rate days 15/49#16ESG in Action Alinma is progressing on key initiatives to drive the ESG agenda and enhance its ratings Environment titi Deployment of digital channels and digital signatures to reduce paper; 77 new digital zones Energy efficient lighting are now in all branches Social +55,000 employee training hours and 6 employee townhalls conducted 1% of annual profits allocated to CSR activities Governance مصرف الإنماء alinma bank Air conditioning timers installed in few branches; 13% reduction in electricity usage Renewable (solar) energy sources piloted across regions Women's empowerment program launched; 32% new women hires in 1Q 2022 Community focus with growth in SME financing from Kafalah (+48%) and POS (+100%) programs Shariah compliance through regular internal audits and committee oversight SAMA and CMA compliance in regulatory & financial disclosures and adoption of internal controls ווי Institutionalization of the investor relations function with enhanced transparency & investor communication ☑ Cybersecurity monitoring and initiatives which cover data governance and protection MSCI BB SUSTAINALYTICS 32.2 11/100 ESG Score Latest ESG Ratings a Morningstar company AAA AA A BBB BB B CCC Negligible Low Medium Leader Average Laggard 0-10 10-20 20-30 High 30-40 Severe S&P Global 40+ 10 2022 INVESTOR PRESENTATION 25/100 ESG Score ESG Invest By SUSTAINABILITY EXCELLENCE 16/49#17مصرف الإنماء alinma bank digital. fast. convenient. 9:59 40 m Alinmapay = إضافة رصيد Pay الرصيد 8500.75 الدوري إلى محفظة ملية التحويل المدفوعات الحكومية تحويل محلي ன்கள تحويل ويستري محمود 10:00 العمليات السابقة شراء من خلال نقاط البيع 100 ريال اليوم السابع شراء من خلال 200 ريال المحادثات الرئيسية Historical Financial Performance#18Balance Sheet Track Record Solid history of strong balance sheet momentum... Total Assets (SARbn) Financing (SARbn) مصرف الإنماء alinma bank Customers' Deposits (SARbn) +11% CAGR +12% CAGR +8% CAGR 173.5 156.9 126.3 119.5 121.1 114.8 121.5 131.8 111.2 94.8 102.1 79.1 83.9 89.1 90.1 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 YOY +6% +8% +19% +11% YOY +6% +13% +17% +14% YOY +1% +13% +17% 2021 +1% 22.8% 21.6% NPL Ratio (%) 3.0% Liquidity (%) 200% Capitalization (%) 25% 2.0% 150% 1.8% 100% 23% 134.1% 111.7% 21% 85.8% 19% 1.0% 50% 17% 0% 15% 0.0% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 LDR SAMA Ratio .NSFR LCR CET1 ratio -T1 ratio CAR 1Q 2022 INVESTOR PRESENTATION 18.2% 18/49#19P&L Track Record ...translating to consistently strong top-line growth and solid profitability Total Operating Income (SARmn) Total Operating Expenses (SARmn) Net Income (SARmn) مصرف الإنماء alinma bank +11% CAGR +11% CAGR +8% CAGR 6,667 5,610 5,682 3,484 3,631 2,857 4,373 4,845 2,783 2,535 2,709 2,356 2,322 2,011 1,966 YOY 2017 2018 2019 +11% +16% 2020 +1% 2021 2017 +17% YOY 2018 -1% 2019 2020 2021 2017 2018 2019 +20% +25% +4% YOY +42% -11% 2020 -22% 2021 +38% Net Profit Margin (%) 6% 4% 2% 0% 2017 Cost To Income Ratio (%) Cost of Risk (%) 1.50% 1.02% 42% 40% 3.77% 1.00% 38% 3.42% 36% 35.5% 0.50% 34% 0.18% 32% 0.00% 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 Yield rate COF rate Net profit margin *Comparatives are reclassified to align with the 4Q 2021 financial statements 1Q 2022 INVESTOR PRESENTATION 19/49#201Q 2022 Financial Performance 1Q 2022 مصرف الانماء alinma bank Banking Kiosk مصرف الإنماء alinma bank digital. fast. convenient.#211Q 2022 Balance Sheet Highlights Balance sheet growth from financing and investments growth funded mainly from CASA Total Assets (SARbn) Total Liabilities (SARbn) +12% +10% Total Equity (SARbn) مصرف الإنماء alinma bank +26% 160.0 164.1 166.8 173.5 179.5 134.9 138.9 136.6 142.8 148.0 30.2 30.7 31.5 25.1 25.2 I 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 QoQ +3% +2% +4% +3% QoQ +3% -2% +4% +4% QoQ +0% +20% +2% +3% 1Q 22 Financing 1Q 22 Customers' Deposits 1Q22 CASA Deposits 1Q 22 CASA % of Total Deposits 1Q 22 LDR SAMA Ratio 1Q 22 CAR 129.0 SARbn SARbn +2% YTD 1Q 2022 INVESTOR PRESENTATION 128.0 +6% YTD 88.0 68.7% 84.3% SARbn +10% YTD +2.9ppts YTD -1.5ppts YTD 22.7% -0.1ppts YTD 21/49#221Q 2022 P&L Highlights Net income for 1Q 2022 grew by 28% YoY from 13% income growth and lower risk cost Total Operating Income (SARmn) Total Operating Expenses (SARmn) Net Income (SARmn) مصرف الإنماء alinma bank +13% -0% +28% 1,606 1,655 1,724 1,808 1,682 985 825 887 863 897 886 710 738 642 619 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 QoQ +3% +4% -2% +7% QoQ -3% +4% +10% -10% QoQ +11% +4% -16% +33% 1Q 22 Funded Income 1Q 22 Non-Funded Income 1Q 22 Net Income 1Q 22 Net Profit Margin 1Q 22 Cost to Income Ratio 1Q 22 ROE SARmn 1,310 +9% YOY 1Q 2022 INVESTOR PRESENTATION 498 825 3.31% 35.5% SARmn SARmn +24% YOY +28% YOY -10bps YOY +1.7ppts YoY 12.6% +226bps YoY 22/49#23Balance Sheet Trends Balance sheet growth of 3% from increase in financing and investments Management Commentary ■ Growth in total assets of 3% YTD driven by 2% financing growth and 8% growth in investments. ■ Total liabilities grew by 4% during 1Q 2022 mainly from a 6% rise in customers' deposits. Total Assets Movement YTD (SARbn) +3% 173.5 1.1 2.7 2.7 SAR (mn) مصرف الإنماء alinma bank 179.5 (0.5) 1Q 2022 4Q 2021 A% 1Q 2021 A% Total assets 4Q 21 Cash, interbank Investments Financing Other Total assets & SAMA 1Q 22 balances +11% +8% +2% -13% Cash, interbank & SAMA balances Investments Financing Other assets 11,051 36,026 128,965 3,477 Total assets 179,519 Due to SAMA, banks & other Fl 13,245 Customers' deposits Other liabilities Total liabilities Share capital 9,915 33,278 126,271 4,012 173,476 15,240 128,035 121,061 6,720 6,465 148,001 142,765 20,000 20,000 Retained earnings 4,416 3,586 Other reserves 2,102 2,125 Tier 1 sukuk 5,000 5,000 +11% 10,545 +5% +8% 28,819 +25% +2% 117,149 +10% -13% 3,438 +1% +3% 159,951 +12% -13% 8,863 +49% +6% 120,707 +6% +4% 5,300 +27% +4% 134,870 +10% +0% 20,000 +0% +23% 3,819 +16% -1% 1,262 +67% +0% Total Liabilities Movement YTD (SARbn) +4% 142.8 7.0 0.3 148.0 (2.0) Total liabilities 4Q 21 Due to SAMA, banks Customers' deposits & other Fl Other Total liabilities 1Q 22 Total equity -13% +6% +4% 31,518 30,711 +3% 25,081 +26% 1Q 2022 INVESTOR PRESENTATION 23/49#24P&L Trends مصرف الإنماء alinma bank Net income for 1Q 2022 grew by 28% YoY due to 13% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 1Q 2022 grew 28% YoY to SAR 825mn from 13% income growth and a 29% decrease in impairments despite 18% higher operating expenses YoY. +28% 96 105 101 2 825 ■ 1Q 2022 net income improved 33% QoQ driven by 7% increase in income and a 19% decrease in impairments. 642 SAR (mn) (100) (21) 1Q 2022 4Q 2021 A% 1Q 2021 A% Net income Funded 1Q 21 income Non-Funded Operating Impairments Associate & income Expenses JV Zakat Net income 1Q 22 Funded income 1,310 1,309 +0% 1,204 +9% Non-Funded income 498 373 +34% 402 +24% Operating Income Composition (SARmn) Total operating income 1,808 1,682 +7% 1,606 +13% Operating Expenses 642 684 -6% 543 +18% Net operating income before 3% 5% 4% 1,165 998 +17% 1,064 +10% impairment charge Impairments 243 301 -19% 344 -29% 15% Net operating income 922 697 +32% 720 +28% 1,808 Income before zakat & income tax 920 691 +33% 716 +28% 73% Zakat 95 72 +32% 74 +29% Net income 825 619 +33% 642 +28% 1Q 2022 INVESTOR PRESENTATION Funded income Fees from services Exchange income Investment gains/dividends Other income 24/49#25Financing Increase in gross financing of 2% during 1Q 2022 from 10% growth in retail financing Financing, Gross (SARbn) Financing, Gross Movement YTD (SARbn) +10% 120.7 123.5 125.5 130.3 133.0 130.3 1.1 1.8 94.8 97.1 98.8 102.3 102.1 +2% (0.3) مصرف الإنماء alinma bank 0.1 133.0 25.9 26.4 26.7 28.0 30.8 QoQ 1Q 21 +2% 2Q 21 +2% 3Q 21 +4% 4Q 21 +2% 1Q 22 Retail gross 4Q 21 Total financing, Home financing Personal & other Corporate retail financing SME Total financing, Corporate +8% +13% -0% +2% gross 1Q 22 Financing, Gross Composition (SARbn) 77% 133.0 1Q 2022 INVESTOR PRESENTATION 23% Retail Financing, Gross Composition (SARbn) 12% 11% 3% 133.0 Non-retail Corporate SME Home financing 74% Personal & other retail financing Management Commentary ■ Gross financing grew 2% during 1Q 2022. ■ Retail financing grew 10% from strong momentum in home financing (+8%) and ☐ personal & other financing growth (+13%). Corporate financing fell 0.2% due to a fall in large corporate financing (0.3%), partly offset by a rise in Mid-Corporate (+48%) and SME financing (+2%) during 1Q 2022. 25/49#26Investments 8% growth in investments YTD from additional investment grade securities Investments (SARbn) Investments Movement YTD (SARbn) +25% +8% 36.0 28.8 30.7 31.9 33.3 33.3 2.2 0.3 63 مصرف الإنماء alinma bank 0.2 36.0 1Q 21 2Q 21 3Q 21 4Q 21 QoQ +7% +4% +4% 1Q 22 +8% Total investments 4Q 21 Sukuk Funds Equities & other Total investments 1Q 22 +7% +15% +13% Investments Composition (SARbn) 7% 0% 25% 36.0 1Q 2022 INVESTOR PRESENTATION Investments Composition (SARbn) Held at amortized cost 5% 7% Held at FVOCI Held at FVSI 68% Associate & JV 36.0 88% ■Sukuk Funds Equities & other Management Commentary ☐ Investments grew 8% during 1Q 2022 mainly attributed to additional SAR 2.2bn in corporate sukuk investments. ■ The investment portfolio as at 31 March 2022 comprised of 88% sukuk investments, 7% funds and 5% equities & other investments 26/49#27Deposits Deposit growth of 6% driven by 10% CASA growth Customers' Deposits (SARbn) Customers' Deposits Movement YTD (SARbn) +6% +6% 120.7 125.9 128.0 116.7 121.1 121.1 72.9 79.5 75.9 79.7 88.0 (1.4) مصرف الإنماء alinma bank 8.4 128.0 47.8 46.4 40.7 41.4 40.0 QoQ 1Q 21 +4% 2Q 21 -7% 3Q 21 +4% 4Q 21 +6% 1Q 22 Total customers' deposits 4Q 21 Time CASA Total customers' deposits Time CASA -3% +10% 1Q 22 Customers' Deposits Composition (SARbn) CASA % of Total Deposits (%) 70% 68.7% 29% Retail 65% 65.8% 65.1% 128.0 63.1% 60% 71% Non-retail 59.8% 55% 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 2022 INVESTOR PRESENTATION Management Commentary Deposits rose by 6% during 1Q 2022 as growth in CASA deposits of 10% was partly offset by a 3% decline in time deposits. ■ CASA deposits account for 68.7% of total deposits. ■ Total deposits comprise of 71% retail and 29% non-retail deposits as at 31 March 2022. 27/49#28Income from Financing & Investments Gross funded income grew 9% from 27% growth in investment income and 6% growth in financing income Funded Income, Gross (SARmn) مصرف الإنماء alinma bank Total Funded Income, Gross Movement YoY (SARmn) +9% 1,511 1,349 1,362 1,452 1,472 1,349 49 49 1,166 1,300 1,232 1,240 1,161 +9% 74 1,472 183 201 212 QoQ 1Q 21 +1% 2Q 21 +11% 3Q 21 -4% 220 4Q 21 232 +1% 1Q 22 Total Funded Income, Gross Investments Financing Investments Financing 1Q 21 +27% +6% Total Funded Income, Gross 1Q 22 Funded Income, Gross Composition (SARmn) 1% 21% 36% Funded Income, Gross Composition (SARmn) Retail 16% Investments 1,472 Financing 42% Corporate 1,472 Treasury Investments & brokerage 84% 1Q 2022 INVESTOR PRESENTATION Management Commentary ■ Gross funded income for 1Q 2022 increased by 9% YoY to SAR 1,472mn from a 27% increase in funded investment income and a 6% rise in financing income. ■ Gross funded income is attributable to 42% retail, 36% corporate and 21% treasury segments. ■ Income from financing makes up 84% of total gross funded income and income from investments comprises 14%. 28/49#29Net Profit Margin مصرف الإنماء alinma bank Average balance of investments and financing grew 12%; while net profit margin saw a modest decline of 10bps YoY Average Balance of Investments & Financing (SARbn) +12% 143.2 148.7 152.7 156.8 160.7 116.2 120.3 122.5 125.6 129.7 Net Profit Margin YoY (%) -10bps 3.62% 3.41% 3.32% 3.31% 3.31% 27.0 28.4 30.1 31.2 31.0 QoQ 1Q 21 +4% 2Q 21 +3% 3Q 21 +3% 4Q 21 +2% 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 Investments Financing QoQ -9bps +30bps -31bps Obps Net Profit Margin Movement YoY (%) 3.41% 0.07% -10bps SAIBOR: 3M Average Trend (%) 1.5% 0.90% 1.0% 0.81% 0.79% 0.80% 3.31% 0.5% 1.39% -0.17% 0.00% 0.0% Net profit margin Investments Financing yield COF rate yield Net profit 1Q 21 1H 21 9M 21 FY 21 1Q 22 margin 1Q 21 1Q 22 *Comparatives are reclassified to align with the 1Q 2022 financial statements 1Q 2022 INVESTOR PRESENTATION Management Commentary ☐ Average balance of investments and financing grew 12% YoY. ■ The net profit margin decreased modestly by 10bps YoY to 3.31% YoY. Average 3M SAIBOR increased 49bps during 1Q 2022 and 58bps YoY. 29/49#30Fee and Other Income Non-funded income for 1Q 2022 increased by 24% YoY Non-Funded Income (SARmn) Non-Funded Income Movement YoY (SARmn) +24% 498 402 424 373 331 402 225 113 142 73 117 288 282 259 256 273 (15) +24% 40 22 40 مصرف الإنماء alinma bank 50 498 QoQ 1Q 21 +6% 2Q 21 -22% 3Q 21 +13% 4Q 21 +34% 1Q 22 Non-Funded Income 1Q 21 Fees from banking services Exchange income Fees from banking services -5% +45% Investment gains/dividends +73% Other income Other income +555% Non-Funded Income 1Q 22 Fees from Banking Services Composition (SARmn) 35% 18% 273 10% Card services 27% Brokerage fees Trade finance services 10% Fund management Other fees Management Commentary ■ Non-funded income for 1Q 2022 increased 24% YoY to SAR 498mn from improved exchange income, investment gains/dividends and other income, partly offset by 5% lower banking services fees. ■ Fund management fees comprise the majority of fee from banking services at 35%, while card service fees account for 27%, other fees represent 18% and brokerage and trade finance services fees both represent 10%. 1Q 2022 EARNINGS PRESENTATION 30/49#31Operating Expenses 1Q 2022 saw 18% growth in operating expenses YoY mainly from higher employee and G&A costs Operating Expenses (SARmn) Operating Expenses Movement YoY (SARmn) مصرف الإنماء alinma bank +18% +18% 684 618 642 543 521 50 642 543 44 5 327 266 253 203 197 66 61 63 66 61 279 263 288 291 323 QoQ 1Q 21 -4% 2Q 21 +19% 3Q 21 +11% 4Q 21 -6% 1Q 22 Operating Expenses 1Q 21 Salaries & employee-related Depreciation & amortization Other G&A Salaries & employee-related +16% Depreciation & amortization +8% Other G&A Operating Expenses 1Q 22 +25% Operating Expenses Composition (SARmn) Cost to Income Ratio (%) 45% Salaries & employee- related 40% 40% 50% 642 35% Depreciation & 33.8% amortization 30% 10% 1Q 2022 INVESTOR PRESENTATION 35.5% Other G&A 25% 1Q 21 1H 21 9M 21 FY 21 1Q 22 Management Commentary ☐ Operating expenses increased 18% YoY to SAR 642mn for 1Q 2022 mainly due to higher salaries, increased commercial expenses from POS terminal deployments, higher SMS communication costs and a decrease in the input VAT recoverability rate. Higher operating expenses YoY contributed to a 1.7ppt increase in the cost to income ratio from 33.8% to 35.5%. 31/49#32Impairments for Financing Cost of risk declined by 45bps from 30% lower impairment charges YoY Impairments for Financing (SARmn) -30% 347 337 279 289 241 مصرف الإنماء alinma bank Impairments Allowance Composition (SARmn) 89% 1Q 21 QoQ 2Q 21 -3% 3Q 21 4Q 21 -17% +4% 1Q 22 -17% Cost of Risk (%) 2% 1.18% 1% 1% 0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 1Q 2022 INVESTOR PRESENTATION 11% Retail 4,019 Corporate 0.73% Management Commentary ■ 1Q 2022 impairment charge for financing decreased by 30% YoY to SAR 241mn. ■ Cost of risk for 1Q 2022 improved by 45bps YoY to 0.73%. 32/49#33Non-Performing Loans The NPL ratio increased during 1Q 2022 by 26bps to 2.0% due to a 17% rise in NPLs YTD Non-Performing Loans, Gross (SARbn) NPL, Gross Movement YTD (SARbn) -1% 2.7 2.8 2.9 2.3 27 2.7 2.3 0.0 2.5 2.6 2.7 2.5 2.1 +17% مصرف الإنماء alinma bank 0.4 2.7 0.2 0.2 QoQ 1Q 21 +3% 2Q 21 +2% 0.2 3Q 21 0.1 0.2 -20% 4Q 21 +17% 1Q 22 Total NPL 4Q 21 Retail Corporate Total NPL 1Q 22 Retail Corporate +24% +17% NPL Composition (SARbn) 93% О 7% NPL Ratio (%) 2.25% 2.26% 2.27% 2.5% 2.01% 1.75% 2.0% Retail 1.5% 2.7 1.0% Corporate 0.5% 1Q 2022 INVESTOR PRESENTATION 0.0% 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 Management Commentary ■ NPL ratio rose by 26bps to 2.01% during 1Q 2022. ■ Retail financing, which account for the smaller proportion of NPLs, increased by 24%, while corporate NPLs increased by 17% YTD. ■ The NPL ratio for retail stood at 0.6% while corporate stood at 2.4% as at 1Q 2022. 33/49#34NPL Coverage NPL coverage improved YoY Stage-Wise Financing, Gross (SARbn) +10% 120.7 123.5 125.5 130.3 133.0 2.7 2.8 6.5 6.9 2.9 6.8 22 2.3 2.7 9.1 8.9 111.6 113.8 115.8 118.9 121.4 QoQ 1Q 21 +2% 2Q 21 +2% 3Q 21 +4% 4Q 21 +2% 1Q 22 Stage 1 Stage 2 Stage 3 NPL Coverage Ratio (%)* 350% Stage-Wise Coverage (%) 61.0% 61.0% 70% مصرف الإنماء alinma bank Stage-Wise Financing, Gross Composition (SARbn) 2% 7% О 133 67.1% 62.6% 62.1% 250% 177.1% 50% 146.4% 150.0% 139.7% 150% 132.7% 20.4% 23.0% 24.5% 22.0% 19.2% 30% 10% 50% 0.6% 0.5% 0.5% 0.5% 0.5% -10% -50% 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 21 ■Stage 1 2Q 21 3Q 21 ■Stage 2 4Q 21 1Q 22 Stage 3 1Q 2022 INVESTOR PRESENTATION Stage 1 Stage 2 Stage 3 91% Management Commentary NPL coverage improved 17.3ppts YoY but declined 27.1ppts QoQ to 150.0%. Stage 1 and 3 coverage improved YTD to 0.5% and 62.1% respectively, while stage 2 coverage decreased to 19.2% due to movement of heavily provisioned obligors moved to Stage 3 during 1Q 2022. 34/49#35Capitalization مصرف الإنماء alinma bank Capital grew 24% and capital ratios remained stable while ROE saw an increase of 226bps YoY Total Capital (SARbn) Risk Weighted Assets (SARbn) +24% +5% 32.5 33.1 33.9 142.5 143.5 145.2 145.3 149.2 27.4 27.5 4.0 3.6 3.4 0.9 0.8 11.6 1.6 10.4 10.7 11.0 11.2 1.6 1.6 25.8 QoQ 1Q 21 30.9 31.4 32.2 25.9 128.1 129.2 130.8 133.1 136.8 +0% 2Q 21 +18% 3Q 21 +2% 4Q 21 +2% 1Q 22 QoQ 1Q 21 +1% 2Q 21 +1% 3Q 21 +0% 4Q 21 +3% 1Q 22 Tier 1 Capital Tier 2 Capital Credit Operational Market Capitalization (%) 25% 20% Total Capital Movement YTD* (SARbn) 22.7% 21.6% +2% Profitability (%) 15% 10%10.4% 33.1 0.8 33.9 18.2% 5% 12.6% .ROAA 1Q 22 1.9% 1.6% 15% 0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 Total capital 4Q 21 Net income Total capital 1Q 21 1H 21 9M 21 FY 21 1Q 22 .CET1 ratio .T1 ratio CAR ROAE 1Q 2022 INVESTOR PRESENTATION *Net of treasury shares and other reserves movement 35/49#36Liquidity Alinma's liquidity position is healthy and comfortably within regulatory limits NSFR (%) LDR SAMA Ratio (%) 115% 111.7% 109.4% 110.1% 110% 105.8% 105.8% 105% 100% 95% 90% 1Q 21 2Q 21 3Q 21 NSFR Leverage Ratio (%) 20% 15.2% 15% 10% 5% 4Q 21 Regulatory Minimum LCR (%) 1Q 22 92% 90% 88% 86% 84.6% 100% 84% 82% 80% 1Q 21 2Q 21 3Q 21 LDR SAMA Ratio 200% 17.1% 161.6% 138.7% 131.1% 134.1% 133.5% 150% 0% 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 Leverage ratio Regulatory Minimum 1Q 2022 INVESTOR PRESENTATION 100% 100% 50% 3% 0% 1Q 21 2Q 21 3Q 21 .LCR 4Q 21 Regulatory Minimum 1Q 22 مصرف الإنماء alinma bank 4Q 21 Regulatory Maximum 90% 84.3% 1Q 22 Management Commentary NSFR has improved YoY to 110.1%, comfortably above the regulatory minima of 100%. ■ The LTD SAMA ratio decreased 30bps YoY to 84.3%. ■ The leverage ratio increased 190bps YoY to 17.1%. ■ LCR has decreased YoY 28.1ppts from 1Q 2021 to a level of 133.5% at 1Q 2022. 36/49#37Segmental Performance 1Q 2022 10:13 ← Прау Sign Up Full Name Mohamed Mostafa Mobile Number 050000000 ID Number 1234567890 Email [email protected] Password Confirm Password ******* I agree to AlinmaPay Terms of Service Submit @ver مصرف الإنماء alinma bank digital. fast. convenient.#38Segmental Performance Highlights Retail and corporate comprise the majority of segmental income and deposits Operating Income Composition (SARmn) 11% Net Profit Before Zakat Composition (SARmn) 22% 1,808 32% Retail 35% Corporate Customers' Deposits Composition (SARbn) 29% 128.0 C 71% 1Q 2022 INVESTOR PRESENTATION Treasury Investments & brokerage Retail 17% 920 19% 34% مصرف الإنماء alinma bank 30% Retail Financing, Gross Composition (SARbn) Non-retail 77% 133.0 23% Treasury Corporate Investments & brokerage Retail Non-retail 38/49#39Segmental Performance Highlights مصرف الإنماء alinma bank Corporate, treasury and investment & brokerage segments all saw strong YoY income and profit growth for 1Q 2022 Operating Income Movement YoY (SARmn) Net Income Before Zakat Movement YoY (SARmn) +13% +28% 126 920 1,606 154 18 78 1,808 716 145 (49) (75) Total operating Retail Corporate Treasury income 1Q 21 -7% +15% +63% Investments & Total operating brokerage +10% Income before Retail Corporate Treasury Zakat income 1Q 21 1Q 22 -21% +499% +66% Investments & brokerage +6% Income before Zakat 1Q 22 Customers' Deposits Movement YTD (SARbn) 121.1 9.5 +6% (2.5) Financing, Gross Movement YTD (SARbn) 128.0 130.3 2.9 +2% (0.2) 133.0 Customers' deposits Retail Non-retail Customers' deposits Financing, gross Retail Non-retail Financing, gross 4Q 21 1Q 22 4Q 21 1Q 22 +12% -6% +10% -0% 1Q 2022 INVESTOR PRESENTATION 39/49#40Segmental Performance - Retail Strong financing and deposit growth while income saw a decline of 7% SAR (mn) 1Q 2022 4Q 2021 A% 1Q 2021 A% Retail NPL (%) 0.8% مصرف الإنماء alinma bank Income from investments and financing, net 0.6% 570 539 +6% 574 -1% Fees from services & other income 57 126 -55% 102 -44% 0.4% Total operating income 628 666 -6% 677 -7% 0.2% Total operating expenses 380 468 -19% 381 -0% Total charges/(reversals) for impairments (29) (4) +568% (55) -48% 0.0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 Income for the period before zakat 276 202 +37% 351 -21% Retail Deposits (SARbn) Retail Financing (SARbn) +9% +19% 83.5 86.5 91.0 30.8 77.3 81.5 25.9 26.4 26.7 28.0 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 QoQ +4% -11% +5% +12% QoQ +2% +1% +5% +10% 1Q 2022 INVESTOR PRESENTATION 0.6% Management Commentary ■ Retail operating income decreased by 7% YoY to SAR 628mn from declines in both non-funded income of 44% and funded income by 1%. ■ Retail net income fell by 21% YoY due to lower income. ■ Retail deposits increased 9% while financing increased by 19% during 1Q 2022. ■ The retail NPL ratio declined to 0.6%. 40/49#41Segmental Performance - Corporate Strong income growth and lower impairments translate to significant net income growth مصرف الإنماء alinma bank SAR (mn) 1Q 2022 4Q 2021 A% 1Q 2021 A% Corporate NPL (%) 3.0% 2.5% Income from investments and financing, net 492 562 -12% 459 +7% 2.0% Fees from services & other income 90 39 +130% 46 +98% 1.5% Total operating income 583 601 -3% 505 +15% 1.0% Total operating expenses 139 103 +36% 74 +88% 0.5% Total charges/(reversals) for impairments 270 293 -8% 402 -33% 0.0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 Income for the period before zakat 174 206 -15% 29 +499% Corporate Deposits (SARbn) 6.3 Corporate Financing (SARbn) +225% +8% 23.7 21.4 20.6 94.8 97.1 98.8 102.3 102.1 19.0 1Q 21 QoQ 2Q 21 +200% 3Q 21 4Q 21 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 +13% +11% -13% QoQ +2% +2% +4% -0% 1Q 2022 INVESTOR PRESENTATION 2.4% Management Commentary ☐ Corporate operating income increased by 15% YoY from both funded and non-funded income. ■This income growth, together with lower impairments, translated to 6x net income growth. Corporate deposits declined 13% during 1Q 2022 from funding optimization (note that the 2Q 2021 QoQ increase was mainly from a re-allocation of accounts from Treasury). Corporate financing was stable QoQ. The corporate NPL ratio declined to 2.4%. 41/49#42Segmental Performance - Treasury Strong income and net income growth from 25% growth in investments YoY مصرف الإنماء alinma bank SAR (mn) 1Q 2022 4Q 2021 A% 1Q 2021 A% Investments (SARbn) +25% Income from investments and financing, 224 184 +22% 150 +49% net Investment-related income 95 (9) +1133% 55 +73% 36.0 Fees from services & other income 80 96 -17% 28.8 30.7 31.9 33.3 39 +106% Total operating income 398 280 +42% 244 +63% Total operating expenses 78 72 +9% 54 +46% Total charges/(reversals) for impairments 2 0 +554% (3) -186% Net operating income 317 208 +52% 193 +64% Share of loss from an associate and joint venture (2) (6) -60% (4) -39% 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 QoQ +7% +4% +4% +8% Income before Zakat 315 202 +56% 189 +66% Treasury Assets (SARbn) +17% 41.7 43.0 44.1 45.7 48.7 1Q 21 2Q 21 3Q 21 4Q 21 QoQ +3% +2% +4% 1Q 2022 INVESTOR PRESENTATION 1Q 22 +6% Management Commentary - Treasury operating income rose by 63% YoY to SAR 398mn in 1Q 2022 from strong rebounds in both funded (+49%) and fee income (+106%). ■ This strong income growth drove a 66% improvement in net income YoY. Treasury assets rose by 6% during 1Q 2022 to SAR 48.7bn (+17% YoY), while the investment portfolio grew 8% to SAR 36.0bn (+25% YoY). ■ 42/49#43Segmental Performance - Investments & Brokerage Solid income and net income growth in 1Q 2022 SAR (mn) 1Q 2022 4Q 2021 A% 1Q 2021 A% Assets Under Management (SARbn) مصرف الإنماء alinma bank +7% Income from investments and financing, net 23 24 -4% 20 +13% 71.0 73.2 73.1 76.4 76.3 Fees from services & other income 176 111 +58% 160 +10% Total operating income 199 135 +47% 181 +10% Total operating expenses 45 42 +5% 35 +29% 1Q 21 2Q 21 3Q 21 4Q 21 Income before Zakat 155 81 +92% 146 +6% QoQ +3% -0% +4% 1Q 22 -0% Brokerage Trading Income (SARmn) 40.4 -34% Brokerage Trading Values (SARbn) 48.3 26.7 -24% 36.7 1Q 21 1Q 22 1Q 21 1Q 22 Management Commentary ■ Investment and brokerage (I&B) operating income rose by 10% YoY to SAR 199mn mainly from solid growth in non-funded income. ■ I&B net income increased 6% YoY from higher income. Brokerage trading income for 1Q 2022 fell by 34% as a result of a 24% YoY reduction in brokerage trading values, while AUM increased by 7% YoY. 1Q 2022 INVESTOR PRESENTATION 43/4 /49#44Outlook & Guidance 11:58 1Q 2022 Lean Mekl سداد 7512 SAR UNPAD SUBTO 201 1 15 IMP $1430 S مصرف الإنماء alinma bank digital. fast. convenient.#45Economic Outlook مصرف الإنماء alinma bank Improving economic outlook supportive for the banking sector, despite the rise of political tensions and Covid risks remaining Real GDP Growth (%) 10.0% 5.0% 0.0% -4.1% -5.0% 2020 Composite* Oil Price Avg / Barrel (USD) 140.0 3.2% 2021 3M Average SAIBOR (%) 2.0% 106.8 100.0 69.1 0.8% 0.9% 1.0% 60.0 41.3 20.0 0.0% 2020 2021 2022E 2020 2021 Inflation (%) 7.6% 2022E Government Expenditures % of GDP (%) 1.6% 2022E 26.0% Further rebound in real GDP growth The KSA economy is expected grow by 7.6% in 2022; this projection is however heavily reliant on the positive oil price outlook and the ability of the country to ramp up its expansion plans despite further outbreaks and rising political tensions. Vision 2030 expansion plans back on track Alongside an economic recovery, Vision 2030 plans are expected to accelerate. Stabilization of oil prices Following a year of strong recovery of oil prices, the average price for the composite index is expected to grow to $106.8 / barrel due to the political tensions in 1Q 2022 that will support economic growth. Rise in SAIBOR rates 3M average SAIBOR rates are expected to see a rise to 1.6% in 2022 from 0.9% average in 2021. Declining inflation and government expenditures Inflation is expected to decline to 2.5% in 2022 from the 3.1% level in 2021; government expenditures are expected to remain above 25% of GDP in 2022. 4.0% 3.4% 3.1% 60.0% 2.5% 41.0% 33.2% 40.0% 2.0% 20.0% 0.0% 0.0% 2020 2021 2022E 2020 2021 2022E 1Q 2022 INVESTOR PRESENTATION SOURCE: IMF April 2022 | *Simple average of three spot prices: Dated Brent, West Texas Intermediate, and Dubai Fateh 45/49#46Guidance Guidance is unchanged and the 2022 outlook remains promising مصرف الإنماء alinma bank 1Q 2022A Drivers 2022G Unchanged Balance Sheet Financing Growth +10% YoY Strong Mid-Corp, SME & Retail growth from strategic initiatives; solid corporate growth from expected credit demand Mid-teens Net Profit Margin 3.31% -10bps YoY Rising rates and strong funding mix supportive of improving margin +10bps to +15bps Profitability Cost to Income Ratio 35.5% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 35% Return on Equity 12.6% Improving NPM, efficiency and COR driving improving ROE Above 13% Asset Quality Cost of Risk 0.73% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 65-75bps Capital 1Q 2022 INVESTOR PRESENTATION CET1 18.2% Increasing RWAs from strong expected financing growth 16%-17% > > く く 46/49#47Appendix 1Q 2022 مصرف الإنماء alinma bank digital. fast. convenient.#48IR Contact Ahmed Sager Investor Relations Manager Mobile: +966-53-775-3352 Direct: +966-11-218-86364 Email: [email protected] Ibrahim Al Khudair Investor Relations Assistant Manager Mobile: +966-55-788-5520 Direct: +966-11-218-6181 Email: [email protected] Al Anoud Tower, King Fahad Road P.O. Box 66674, Riyadh 11586 Kingdom of Saudi Arabia Tel.: +966-11-218-5555 Fax: +966-11-218-5000 Website: www.alinma.com مصرف الإنماء alinma bank Visit our new website here for more investor disclosures: • Financial statements Annual reports Investor presentations Earnings call transcripts digital. fast. convenient.#49Disclaimer مصرف الإنماء alinma bank I This presentation is being provided to you for general information purposes only. The information contained in the presentation has been obtained from sources believed by Alinma Bank ("Alinma") to be up to date, correct and reliable, but Alinma does not make any representation or warranty, express or implied, with respect to the fairness, correctness, accuracy, reliability, reasonableness or completeness of the information so provided and/or the opinions or analyses drawn therefrom. The information provided does not constitute or form part of any legal advice or legal opinion. No advisory, fiduciary or other relationship is created between Alinma and you or any person accessing or otherwise using any information so provided in the presentation, nor does the information constitute an offer or invitation to sell or issue, or a solicitation of any offer to purchase or subscribe for, securities, nor shall it or any part of it, nor the fact of its distribution, form the basis of, or be relied on in connection with, any contract or investment decision in relation thereto. It is not a recommendation by Alinma to purchase securities. Before using the information so provided, you must seek your own independent advice in relation to any investment, financial, legal, Shariah, tax, accounting or regulatory issues discussed and the presentation shall not be construed as constituting tax, investment or legal advice. Analyses and opinions contained herein may be based on assumptions that if altered can change the analyses or opinions so expressed. Nothing contained herein shall constitute any representation or warranty as to future performance or results of any financial instrument, credit, currency, rate or other market or economic measures. Furthermore, past performance is not necessarily, and shall not be deemed to be, indicative of future results. Alinma and its affiliates, and any of its directors, officers, employees, agents, advisors, contractors, and suppliers, disclaim liability and, thus, will not be liable for any loss, damages, actions or course of actions, of whatsoever nature, arising out of or in connection with the use of, or reliance on, this presentation. Any opinion, estimate or projection in this presentation constitutes an opinion, estimate or projection as of the date of this presentation, and no assurance is hereby made that future results will be consistent with any such opinion, estimate or projection. Further, Alinma has no obligation to update, modify or amend either this presentation or the information therein provided or to otherwise notify any recipients of the presentation if any of the information, opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate. The information in this presentation is subject to change without notice, and it may be incomplete or condensed, and it may not contain all material information concerning Alinma. This document has been furnished to you solely and exclusively for your information. It is not intended for distribution to the press or other media, or for any public distribution, and may not be reproduced or redistributed by mail, facsimile, electronic or computer transmission or by any other means to any other person without the express consent of Alinma. By accepting this document you agree to be bound by the limitations set out in this disclaimer. The distribution of this document in other jurisdictions may be restricted by law and persons who come into possession this document must inform themselves about, and observe and obey, any such restrictions. You understand that in order for you to be eligible to view the Information, you must be a "sophisticated investor" within the meaning of the Offers of Securities Regulations issued by the Capital Market Authority of the Kingdom of Saudi Arabia, and either you must have the expertise, or you must consult a financial advisor, for you to evaluate the performance of securities under changing conditions. The costs of such an evaluation will be solely for your account. 49/49