#1Investor Presentation 3Q 2022 November 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 9M 2022 Financial Performance 5 Segmental Performance 6 Outlook & Guidance 7 Appendix 3Q 2022 INVESTOR PRESENTATION مصرف الإنماء alinma bank 2/50#3Alinma Overview 3Q 2022 Pay مدى mada 1234 1234 1234 1234 VALID 12/23 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 مصرف الإنماء alinma bank i+A $ 2020 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 through 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 3Q 2022 INVESTOR PRESENTATION 4/50#5Alinma Overview Alinma is the youngest bank in KSA #1 in KSA 21.8% CAR (2Q 2022) 20.1% CAR 16.3m 538K Monthly Average Users Smartphone Daily Average Users #4 in KSA #4 in KSA 3.42% NIM (2Q 2022) 18.9% T1 13.4% ROE (2Q 2022) Retail Digital Snapshot +31.0% Net Income YoY Financial | 0.74% COR 1.67% 155.5% NPL Ratio NPL Coverage 98.6% Digital Transactions 3.50m Position KSA Market Share Customers مصرف الإنماء alinma bank 5.6% Assets (2Q 2022) 6.2% Financing (2Q 2022) 5.8% Deposits (2Q 2022) 5.3% NIB Deposits (2Q 2022) #3 Traded Stock in KSA by Value Traded & #2 by Volume Traded (9M 2022) SAR 57.1 bn Value Traded (9M 2022) Stock Highlights SAR 72.5 bn Market Capitalization (30 September 2022) 17.0% Foreign Ownership #1 among Saudi banks (31 October 2022) 10% Owned by Public Investment Fund 3Q 2022 INVESTOR PRESENTATION SOURCE: Bank Financial Statements, Tadawul 5/50#6Management Team Alinma has built an experienced new management team poised to execute its strategy וחו Saleh Abdullah Al Zumaie SVP, Head of Retail & Digital Banking Emad Abdulrahman Al Butairi Head of Corporate Banking Mohammed Sultan Al Sehali Chief Internal Audit Officer 3Q 2022 INVESTOR PRESENTATION Abdullah Ali Al Khalifa Chief Executive Officer (CEO) Abdullah Jamaan Al Zahrani Head of Treasury Hamoud Abdulaziz Al Humaidan Chief Compliance Officer (CCO) مصرف الإنماء alinma bank Meshary Abdulaziz Al Jubair Chief Operating Officer (COO) 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) 6/50#7Strategy Update 1158< 3Q 2022 Lean My سداد 0 U 7512 SAR OSM -1 11a SA 1660 201 satst مصرف الإنماء alinma bank digital. fast. convenient.#8Strategic Positioning Alinma Bank's strategic positioning cascades down into each business strategy Excellence Shariah Compliance Digital 3Q 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 8/50#9Strategy Overview Key success factors for Alinma Bank's strategic positioning "Most digitally advanced, fastest, and most convenient bank" digital fast convenient Affluent & HNW #1 NPS 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 3Q 2022 INVESTOR PRESENTATION 30+ new products "Most innovative Shariah-compliant Treasury partner" 9/50#10Strategy Progress Update Driving changes across the businesses and bank-wide 2021-2025 Strategic Ambitions Digital Fast Convenient Total 3Q 2022 INVESTOR PRESENTATION 3Q 2022 Achievements مصرف الإنماء alinma bank 2022 Initiatives In-Progress Build digital factory and apply latest available technologies - Advanced Analytics (AA), Al and Big Data Improve processes and speed to market ▪ Launched Digital credit card and personal finance journeys ☐ Completed 2 additional RPAS ▪ Alpha & beta releases of new mobile app ■ Enhanced and automated refinance ■+45% Agile IT Projects Delivery ■ Instant POS delivery with OTP activation ☐ Driving Agile delivery of IT projects Digital team being expanded with requisite skills Improving new digital app under alpha release ■ Continue enhancement of digital journeys and app functionality, and increase cross- sell ■ Continuous improvement in turn-around time for retail customers Enhance customer convenience and experience ■ Introduced POS finance through branches ■ Launched Personal Finance through Phone-banking ■ +21 new digital zones, +13 ATM sites ■ Client relationship models for Private and Affluent customers being improved ■ Enhance ecosystems programs for customer convenience 75 Initiatives* *1 new initiative added in 3Q 2022 36/75 Initiatives Completed 48% 34/75 Initiatives In Progress 45% 10/50#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 Digitally-savvy Affluent and HNW 2 Digitally-savvy 3 Youth 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 Young Saudi professionals and University students 18-35 year-old customers in the wealth segment Drive growth in deposits 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 Initiatives Completed to Date: Key Achievements 6/18 initiatives completed 3Q 2022 Introduce Introduced 33% Auto Finance POS finance product Launched Personal through Finance branches through Reduced the minimum salary requirements for private sector Enhanced the buy- out policy Enhanced and automate refinance Introduced refinance through +21% Digital Zones +13 New ATMs commodity Phone- financing 3Q 2022 INVESTOR PRESENTATION banking 11/50#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 cross- sell categories Integrate digital offering Extend SME portfolio along supply chain related offerings 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" Expanded Mid-Corp Segment Grow SME Portfolio YTD New Products & Centralization Initiatives Completed to Date: Key Improved organisational efficiency Achievements 3Q 2022 6/18 initiatives completed 33% +194% Growth in booked assets Growth in Non- funded assets (LG & LC) +310% +78% +37% PoS financing Kafalah financing Mudad WPS automation project signed Instant POS delivery with OTP activation Built the capabilities of excellence team by adding more roles, responsibilities and resources 3Q 2022 INVESTOR PRESENTATION 12/50#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 Treasury 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" +4 banks Correspondent Fls added globally Investment Base Enhancement (YTD) +5.2bn Enhanced investment book Upgrade Treasury system to add more products New Treasury system is completed and deployed to production successfully Expansion of Products and Volumes Increased FI Coverage Initiatives Completed to Date: Key Achievements +21bn +2.5bn 6/12 initiatives completed 50% 3Q 2022 Expanded Derivatives customer FX business volumes FX Wa'ad volumes 3Q 2022 INVESTOR PRESENTATION base 13/50#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 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 Deliver with speed, quality and efficiency 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 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 New Models & Digital Factory Updates Initiatives Completed to Date: Key Achievements +45% 11/17 initiatives completed 3Q 2022 Agile IT Projects Delivered Digital Factory Alpha & beta in operations 65% releases of new mobile app 3Q 2022 INVESTOR PRESENTATION Launched Digital credit card and personal finance journeys Operations efficiency improvement +2 Operations RPAs completed UX & UI Improvements UX/CX practices are embedded within the overall business & technology development activities 14/50#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 Drive cultural change agenda 2 Grow capabilities across the bank Organizing Alinma for Alinma 3 success Human Capital Vision > Improve Work Environment Future Focus Cascade new strategy to organization and embed in communication Female Empowerment Hire Top Talent 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 Employee Engagement Increased Training & Key Placements Initiatives Completed to Date: Key Achievements +3 Indicated employee Social 7/9 initiatives completed 78% 3Q 2022 engagement initiatives to improve OHI score activities to increase Professional Certifications Completed hiring for all provided as part strategic engagement of Support positions Program 3Q 2022 INVESTOR PRESENTATION Continuous Improvement Workforce +4 Organizational structures redesigned for different groups & departments Digitalization % of employee services 95.16% 19% Saudization Female rate percentage of total workforce 15/50#16Historical Financial Performance 10:00 له M 9:59 + إضافة رصير 8500.75 طلب التحويل مدفوعات مدار COD AlinmaPay 401 Pay مصرف الإنماء الرصيد تدوري إلى shase alinma bank المدفوعات الحكومية تدويل ويسترن تحويل محلي العمليات السارقة عوى الكل 200 ريال شراء من خلال نقاط البيع شراء من خلال 100 ريال المحادثات. 。 الرئيسية البطاقة المطريات digital. fast. convenient.#17Balance Sheet Track Record Solid history of strong balance sheet momentum... Total Assets (SARbn) +11% CAGR Financing (SARbn) +12% CAGR مصرف الإنماء alinma bank Customers' Deposits (SARbn) +8% CAGR 173.5 156.9 126.3 119.5 111.2 121.1 114.8 121.5 131.8 94.8 79.1 83.9 89.1 90.1 102.1 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 YOY +6% +8% +19% +11% YOY +6% +13% +17% +14% YOY +1% +13% +17% +1% NPL Ratio (%) 3.00% 2.00% 1.00% Liquidity (%) 200% 150% 1.8% 100% 50% Capitalization (%) 25% 23% 134.1% 111.7% 20% 85.8% 18% 15% 0.00% 0% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 CET1 ratio 2019 2020 2021 .T1 ratio CAR LDR SAMA Ratio .NSFR LCR 3Q 2022 INVESTOR PRESENTATION 22.8% 21.6% 18.2% 17/50#18P&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 6,662 3,484 3,626 2,857 5,610 5,682 2,535 2,709 4,373 4,845 2,783 2,356 2,322 2,011 1,966 YOY 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 +11% +16% +1% +17% YOY -1% +20% +25% +4% YOY +42% -11% -22% +38% Net Profit Margin (%) 6% Cost To Income Ratio (%) 42.0% Cost of Risk (%) 1.50% 40.0% 1.00% 4% 3.77% 38.0% 3.42% 36.0% 35.5% 0.50% 2% 34.0% 0.43% 0% 32.0% 0.00% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 Net profit margin Yield rate COF rate *2021 income and expense number are adjusted to reflect certain classification taken place in 3Q 2022 3Q 2022 INVESTOR PRESENTATION 1.02% 18/50#199M 2022 Financial Performance 3Q 2022 مصرف الإنماء ) alinma bank مصرف الإنماء Banking Kiosk alinma bank digital. fast. convenient.#203Q 2022 Balance Sheet Highlights Balance sheet growth from financing and investments growth funded mainly from CASA Total Assets (SARbn) Total Liabilities (SARbn) Total Equity (SARbn) مصرف الإنماء alinma bank +11% +13% +2% 166.8 173.5 179.5 184.6 193.2 161.9 136.6 142.8 148.0 153.2 30.2 30.7 31.5 31.5 31.3 ||||| ||||| 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 QoQ +4% +3% +3% +5% QoQ +4% +4% +3% +6% QoQ +2% +3% -0% -1% 3Q 22 Financing 3Q 22 Customers' Deposits 3Q 22 CASA Deposits 3Q 22 CASA % of Total Deposits 3Q 22 LDR SAMA Ratio 3Q 22 CAR SARbn 140.0 +11% 132.0 86.4 65.5% 87.0% SARbn SARbn YTD +9% YTD +9% YTD -0.3ppts YTD +1.2ppts YTD 3Q 2022 INVESTOR PRESENTATION 20.1% -2.7ppts YTD 20/50#213Q 2022 P&L Highlights Net income for 9M 2022 grew by 31% YoY from 17% income growth and lower risk cost Total Operating Income (SARmn) Total Operating Expenses (SARmn) +21% +9% مصرف الإنماء alinma bank Net Income (SARmn) +34% 2,075 985 1,722 1,808 1,932 974 989 895 886 903 925 1,682 825 738 619 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 QoQ -2% +7% +7% +7% QoQ +10% -10% +2% +8% QoQ -16% +33% +12% +7% 9M 22 Funded Income 9M 22 Non-Funded Income 9M 22 Net Income 9M 22 Net Profit Margin 9M 22 Cost to Income Ratio 9M 22 ROE SARM4,399 SARmn 1,417 SARmn 2,739 3.59% 34.7% +15% YoY +23% YOY +31% YOY +14bps YOY +1.0ppts YoY 3Q 2022 INVESTOR PRESENTATION 14.0% +280bps YoY 21/50#22Balance Sheet Trends Balance sheet growth of 11% from increase in financing and investments Management Commentary ■ Growth in total assets of 11% YTD mainly driven by 11% financing growth and 15% growth in investments. ■ Total liabilities grew by 13% during 9M 2022 mainly from a 9% rise in customers' deposits and a 52% increase in SAMA & Interbank deposits. Total Assets Movement YTD (SARbn) 173.5 1.0 5.0 SAR (mn) مصرف الإنماء alinma bank +11% 13.7 0.0 193.2 3Q 2022 4Q 2021 A% 3Q 2021 A% Total assets 4Q 21 Cash, interbank Investments Financing Other & SAMA +10% Total assets 3Q 22 +15% +11% +1% Cash, interbank & SAMA balances 10,935 9,915 +10% 10,019 +9% Investments 38,268 33,278 +15% 31,886 +20% Financing 139,987 126,271 +11% 121,318 Other assets 4,039 4,012 Total assets 193,229 173,476 Due to SAMA, banks & other Fl 23,225 Customers' deposits 132,048 Other liabilities 6,654 Total liabilities 161,927 15,240 121,061 6,465 142,765 +1% +11% +52% +3% Share capital 20,000 20,000 Retained earnings 5,373 3,586 4,528 +15% 3,586 +13% 166,808 +16% 14,401 +61% +9% 116,652 +13% 5,591 +19% +13% 136,644 +19% +0% 20,000 +0% +50% Total Liabilities Movement YTD (SARbn) +13% 142.8 8.0 11.0 0.2 161.9 +19% Other reserves 929 2,125 -56% 636 Tier 1 sukuk 5,000 5,000 +0% 5,000 +46% +0% Total liabilities 4Q 21 Total equity 31,302 30,711 +2% 30,164 +4% Due to SAMA, banks Customers' deposits & other Fl +52% Other Total liabilities 3Q 22 +9% +3% 3Q 2022 INVESTOR PRESENTATION 22/50#23P&L Trends مصرف الإنماء alinma bank Net income for 9M 2022 grew by 31% YoY due to 17% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 9M 2022 grew 31% YoY to SAR 2,739mn from 17% income growth and a 23% decrease in impairments despite 20% higher operating expenses YoY. +31% 218 6 268 568 ■ 3Q 2022 net income improved 34% YoY driven by 21% increase in income and a 5% decrease in impairments. 2,090 SAR (mn) (339) (75) 2,739 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% Net income Funded 9M 21 income Non-funded Operating Impairments Associate & Zakat income Expenses JV Net income 9M 22 Funded income 4,399 3,831 +15% 1,674 1,393 +20% Non-Funded income 1,417 1,148 +23% 402 329 +22% Total operating income 5,815 4,979 +17% 2,075 1,722 +21% Operating Income Composition (SARmn) Operating Expenses 2,015 1,676 +20% 710 616 +15% 4% 1% Funded income Net operating income before impairment 4% 3,800 3,304 +15% 1,366 1,106 +24% charge Impairments 748 965 -23% 264 279 -5% 15% Net operating income 3,053 2,339 +31% 1,102 827 +33% 5,815 Income before zakat & income tax 3,054 2,331 +31% 1,103 823 +34% Fees from banking services Investment gains/dividends Exchange income 76% Zakat 315 240 +31% 114 85 +34% Other income Net income 2,739 2,090 +31% 989 738 +34% 3Q 2022 INVESTOR PRESENTATION 23/50#24Financing مصرف الإنماء alinma bank Increase in gross financing of 10% during 9M 2022 from 28% growth in retail financing, and 5% in corporate financing Financing, Gross (SARbn) Financing, Gross Composition (SARbn) +10% 13% 125.5 130.3 133.0 135.1 143.7 12% 107.9 98.8 102.3 102.1 102.2 143.7 3% 26.7 QoQ 3Q 21 +4% 28.0 30.8 32.9 35.9 4Q 21 +2% 1Q 22 +2% 2Q 22 +6% 3Q 22 Retail Financing, Gross Movement YTD (SARbn) 130.3 3.6 4.3 Corporate +10% 4.7 0.8 143.7 Total financing, Home financing Personal & other Corporate SME Total financing, gross 4Q 21 retail financing gross 3Q 22 +25% +31% +5% +21% 3Q 2022 INVESTOR PRESENTATION Corporate Corporate 75% SME Home financing Retail 72% Personal & other retail financing 25% Management Commentary ■ Gross financing grew 10% during 9M 2022. ■ Retail financing grew 28% YTD from strong momentum in home financing (+25%) and personal & other financing (+31%). Corporate financing grew 5% YTD, of it 194% rise in mid-corporate, and a 21% increase in SME financing. ■ Gross financing comprises of 75% corporate and 25% retail as at 30 September 2022. 24/50#25Investments 15% growth in investments YTD from additional investment grade securities Investments (SARbn) Investments Movement YTD (SARbn) 36.0 31.9 33.3 +15% 37.7 38.3 4.7 33.3 +15% (0.9) مصرف الإنماء alinma bank 1.3 38.3 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Total investments Sukuk Funds QoQ +4% +8% +5% 4Q 21 +1% +16% -41% Equities & other +81% Total investments 3Q 22 Investments Composition (SARbn) 4% 0% 31% 38.3 3Q 2022 INVESTOR PRESENTATION Investments Composition (SARbn) Held at amortized cost 7% 4% Held at FVOCI Held at FVSI 65% Associate & JV 38.3 89% ■ ■Sukuk Funds Equities & other Management Commentary Investments growth of 15% during 9M 2022 was mainly attributed to additional SAR 4.7bn in corporate sukuk investments. ■ The investment portfolio as at 30 September 2022 comprised of 89% sukuk investments, 4% funds and 7% equities & other investments 25/50#26Deposits Deposit growth of 9% driven by 9% CASA growth and 10% Time deposits growth Customers' Deposits (SARbn) Customers' Deposits Movement YTD (SARbn) 116.7 121.1 128.0 +9% 130.4 132.0 121.1 4.2 75.9 79.7 88.0 92.4 86.4 +9% مصرف الإنماء alinma bank 6.8 132.0 40.7 41.4 40.0 38.0 45.6 QoQ 3Q 21 +4% 4Q 21 +6% 1Q 22 +2% 2Q 22 +1% 3Q 22 Total customers' deposits 4Q 21 Time CASA Total customers' deposits 3Q 22 Time CASA +10% +9% Customers' Deposits Composition (SARbn) CASA % of Total Deposits (%) 80% Retail 65.1% 60% 31% 132.0 40% Non-retail 69% 3Q 2022 INVESTOR PRESENTATION 65.5% 20% 9M 21 FY 21 1Q 22 1H 22 9M 22 Management Commentary ■ Deposits rose by 9% during 9M 2022 as growth of CASA and Time deposits by 9% and 10% respectively. ■ CASA deposits account for 65.5% of total deposits as of 3Q 2022, with the QoQ decline reflective of time deposits increase by 20%. ■ Total deposits comprise of 69% retail and 31% non-retail deposits as at 30 September 2022. 26/50#27Income from Financing & Investments Gross funded income grew 22% from 33% growth in investment income and 21% growth in financing income Funded Income, Gross (SARmn) مصرف الإنماء alinma bank Total Funded Income, Gross Movement YoY (SARmn) +36% 2,049 1,512 1,653 1,452 1,474 1,753 1,391 4,226 195 +22% 755 5,176 1,301 1,232 1,242 211 220 232 QoQ 3Q 21 -4% 4Q 21 +2% 1Q 22 +12% 262 2Q 22 296 +24% 3Q 22 Total Funded Income, Gross Investments Financing Investments Financing 9M 21 +33% +21% Total Funded Income, Gross 9M 22 Funded Income, Gross Composition (SARmn) 1% 20% 35% Retail Funded Income, Gross Composition (SARmn) 5,176 44% Corporate 5,176 Treasury Investments & brokerage 85% 3Q 2022 INVESTOR PRESENTATION 15% Investments Financing Management Commentary ■ Gross funded income for 9M 2022 increased by 22% YoY to SAR 5,176mn from a 33% increase in funded investment income and a 21% rise in financing income. ■ Gross funded income is attributable to 44% retail, 35% corporate and 20% treasury segments. ■ Income from financing makes up 85% of total gross funded income and income from investments comprises 15%. 27/50#28Net Profit Margin Average balance of investments and financing grew 9%; while net profit margin saw an increase of 14bps YoY Average Balance of Investments & Financing (SARbn) +9% Net Profit Margin QTR (%) +27bps مصرف الإنماء alinma bank 152.7 156.8 160.7 162.5 170.8 3.89% 3.62% 3.31% 3.31% 3.49% 122.5 125.6 129.7 129.3 136.6 30.1 31.2 31.0 33.3 34.1 QoQ 3Q 21 +3% +2% +1% +5% 4Q 21 Investments 1Q 22 2Q 22 Financing 3Q 22 Net Profit Margin Movement YoY (%) +14bps 0.30% 3.45% 0.11% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 QoQ -31bps -Obps +18bps +40bps SAIBOR: 3M Average Trend (%) 4.0% 3.59% 3.0% -0.27% 3.15% ■ 2.74% 2.0% 1.39% 0.80% 0.90% 1.0% Net profit margin Investments Financing yield COF rate yield Net profit 9M 21 margin 9M 22 0.0% 9M 21 FY 21 1Q 22 1H 22 9M 22 *Comparatives are reclassified to align with the 9M 2022 financial statements 3Q 2022 INVESTOR PRESENTATION Management Commentary Average balance of investments and financing grew 9% YTD. ■ The net profit margin increased by 14bps YoY to 3.59%. Average 3M SAIBOR increased 41bps during 3Q 2022 and 235bps YoY as a result of rate hikes during the quarter. 28/50#29Fee and Other Income Non-funded income for 9M 2022 increased by 23% YoY Non-Funded Income (SARmn) Non-Funded Income Movement YoY (SARmn) +22% 496 519 402 1,148 54 48 373 329 222 225 95 117 73 257 256 271 297 307 +23% QoQ 3Q 21 +13% 4Q 21 +33% 1Q 22 +5% 2Q 22 -23% 3Q 22 Fees from banking services Other income Non-funded Income 9M 21 Fees from banking services +7% Exchange income +30% 113 13 Investment gains/dividends +77% مصرف الإنماء alinma bank 53 1,417 Other income +245% Non-funded Income 9M 22 Fees from Banking Services Composition (SARmn) 9% 10% 16% ■Fund management 32% Card services 875 C Trade finance services Brokerage fees 33% Other fees Management Commentary ■ Non-funded income for 9M 2022 increased 23% YoY to SAR 1,417mn from improved fees from banking services, exchange income, investment gains/dividends, and other income. ■ Card service fees comprise the majority of fee from banking services at 33%, while fund management fees account for 32%, other fees for 16% and brokerage and trade finance services fees represent 9% and 10% respectively. ■ The 23% QoQ decline in non-funded income is due to lower investment income & other operating income. 3Q 2022 INVESTOR PRESENTATION 29/50#30Operating Expenses 9M 2022 saw 20% growth in operating expenses YoY mainly from higher employee and G&A costs Operating Expenses (SARmn) Operating Expenses Movement YoY (SARmn) +15% +20% مصرف الإنماء alinma bank 684 616 642 663 710 179 2,015 1,676 140 20 327 253 284 305 265 63 66 66 69 70 287 291 323 310 334 QoQ 3Q 21 +11% 4Q 21 -6% 1Q 22 +3% 2Q 22 +7% 3Q 22 Operating Expenses 9M 21 Salaries & employee-related Depreciation & amortization Other G&A Salaries & employee-related +17% Depreciation & amortization Other G&A Operating Expenses 9M 22 +11% +27% Operating Expenses Composition Cost to Income Ratio (%) 34.7% (SARmn) 45% ■Salaries & employee-related 40% 35% 33.7% 42% 48% Depreciation & amortization 30% 2,015 25% 20% Other G&A 10% 15% 9M 21 FY 21 1Q 22 1H 22 9M 22 3Q 2022 INVESTOR PRESENTATION Management Commentary ■ Operating expenses increased 20% YoY to SAR 2,015mn for 9M 2022 mainly due to higher salaries, increased commercial expenses from POS terminal deployments, higher SMS communication and marketing costs. Higher operating expenses YoY contributed to a 1.0 ppt increase in the cost to income ratio from 33.7% to 34.7%. 30/50#31Impairments for Financing Cost of risk for 9M 2022 declined by 33bps from 21% lower credit impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) -2% 279 289 273 241 248 3Q 21 4Q 21 1Q 22 QoQ +4% -17% 2Q 22 +3% Impairments Allowance Composition 3Q 22 +10% Cost of Risk (%) 2.00% (SARmn) 15% 1.50% Retail 1.07% 1.00% 85% 3,737 Corporate 0.50% 3Q 2022 INVESTOR PRESENTATION -21% 963 9M 21 مصرف الإنماء alinma bank 762 9M 22 0.74% Management Commentary ■ 9M 2022 impairment charge for financing decreased by 21% YoY to SAR 762mn. ■ Cost of risk for 9M 2022 improved by 33bps YoY to 0.74%. 0.00% 9M 21 FY 21 1Q 22 1H 22 9M 22 31/50#32Non-Performing Loans The NPL ratio has improved by 60bps YoY Non-Performing Loans, Gross (SARbn) 2.9 2.7 2.3 2.7 2.1 2.5 +5% 2.6 2.4 2.4 2.2 NPL, Gross Movement YTD (SARbn) 2.3 10 0.1 +5% مصرف الإنماء alinma bank 10 0.1 2.4 0.2 0.1 0.2 0.2 0.2 QoQ 3Q 21 -20% 4Q 21 +17% 1Q 22 -4% 2Q 22 -7% 3Q 22 Total NPL 4Q 21 Retail Corporate Total NPL 3Q 22 Retail Corporate +34% +3% NPL Composition (SARbn) 92% NPL Ratio (%) 3.00% 2.27% 2.50% 8% 2.01% 1.90% 1.75% 1.67% 2.00% Retail 1.50% 1.00% 2.4 Corporate 0.50% 0.00% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 2022 INVESTOR PRESENTATION Management Commentary ■ NPL ratio decreased by 8bps to 1.67% during 9M 2022, and improved 60bps YoY. ■ Retail financing, which account for the smaller proportion of NPLs, increased by 34%, while corporate NPLs increased by 3% YTD. ■ The NPL ratio for retail stood at 0.6% while corporate stood at 2.0% as at 3Q 2022. 32/50#33NPL Coverage NPL coverage improved YoY Stage-Wise Financing, Gross (SARbn) +10% 125.5 130.3 133.0 135.1 143.7 2.4 2.9 2.3 2.7 2.6 9.0 6.8 9.1 8.9 8.9 115.8 118.9 121.4 123.6 132.3 QoQ 3Q 21 +4% 4Q 21 +2% 1Q 22 +2% 2Q 22 +6% 3Q 22 Stage 1 Stage 2 Stage 3 NPL Coverage Ratio (%) 300% Stage-Wise Coverage (%) 75% مصرف الإنماء alinma bank Stage-Wise Financing, Gross Composition (SARbn) 6% 2% 67.1% 62.6% 62.1% 58.4% 56.1% 55% 177.1% 200% 146.4% 150.0% 150.1% 155.5% 35% 24.5% 22.0% 19.2% 19.4% 18.9% 100% 15% 143.7 0% 0.5% 0.5% 0.5% 0.5% -5% 0.5% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 ■Stage 1 ■Stage 2 Stage 3 3Q 2022 INVESTOR PRESENTATION 92% Stage 1 Stage 2 Stage 3 Management Commentary ■ NPL coverage improved 9.1ppts YoY but declined 21.6ppts YTD to 155.5%. Stage 1 coverage remained stable YTD at 0.5%. Stage 2 coverage declined due to migration of highly provisioned accounts to stage 3, while the stage 3 coverage trend was impacted by write- offs during 9M 2022. 33/50#34Capitalization Capital grew 2% YTD and capital ratios remained stable while ROE saw an increase of 2.8ppts YoY Total Capital (SARbn) Risk Weighted Assets (SARbn) +2% +16% مصرف الإنماء alinma bank 32.5 33.1 33.9 33.9 33.8 168.2 145.2 145.3 149.2 155.1 1.6 1.7 1.7 1.8 1.9 3.4 0.9 0.8 0.8 2.4 12.3 11.0 11.2 11.6 11.9 30.9 31.4 32.2 32.1 31.8 130.8 133.1 136.8 153.5 142.4 QoQ 3Q 21 +2% 4Q 21 +2% 1Q 22 -0% 2Q 22 -0% 3Q 22 QoQ 3Q 21 +0% 4Q 21 +3% 1Q 22 +4% 2Q 22 +8% 3Q 22 Tier 1 Capital Tier 2 Capital Credit Operational Market Capitalization (%) Profitability (%) 15% 25% 22.4% 21.3% 21% 17.8% 17% 11.2% 10% 20.1% 18.9% 5% 16.0% 1.7% 13% 0% 9M 21 FY 21 1Q 22 1H 22 9M 22 9M 21 FY 21 1Q 22 1H 22 CET1 ratio T1 ratio CAR ROAE 3Q 2022 INVESTOR PRESENTATION 14.0% .ROAA 9M 22 2.0% Management Commentary ■ Total Capital grew 2% to 33.8bn YTD while Risk Weighted Assets grew 16% YTD. ■ CAR has declined 2.3ppts YoY to 20.1% due to 17.3% increase in credit risk weighted assets due to the growth in the Bank's total assets. ■ ROE and ROA saw an increase of 2.8ppts and 30bps respectively YoY. 34/50#35Liquidity Alinma's liquidity position is healthy and comfortably within regulatory limits NSFR (%) LDR SAMA Ratio (%) 115% 111.7% 109.4% 110.1% 110.5% 110% 105% 100% 95% 90% 3Q 21 4Q 21 1Q 22 2Q 22 NSFR .. Regulatory Minimum Leverage Ratio (%) 20% 17.6% 15% 10% 5% LCR (%) 103.2% 3Q 22 95% 90% 85% 85.5% 80% 100% 75% 70% 3Q 21 4Q 21 1Q 22 LDR SAMA Ratio 131% 134% 133% 139% 129% 15.6% 150% 0% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Leverage ratio Regulatory Minimum 3Q 2022 INVESTOR PRESENTATION 100% 100% مصرف الإنماء alinma bank 2Q 22 - Regulatory Maximum 3Q 22 90% 87.0% Management Commentary ■ NSFR has decreased 6.2ppts YoY to 103.2% due to increase in corporate financing with long maturity followed with an increase in short term time deposits, and interbank placements. ■ The LDR SAMA ratio increased 1.5ppts YoY to 87.0%. 50% 3% 0% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 ■ The leverage ratio decreased 200bps YoY to 15.6%. .LCR Regulatory Minimum ■ 3Q 2022 LCR declined 2ppts YoY due to the increase in short term time deposits, and interbank placements. 35/50#36Segmental Performance 3Q 2022 10:13 ← Прау Sign Up Full Noma Mohamed Mostafa Mobile Number 050000000 ID Number 1234567890 Email [email protected] Password Confirm Password I agree to AlinmaPay Terms of Service Submit عربي مصرف الإنماء alinma bank digital. fast. convenient.#37Segmental Performance Highlights Retail and corporate comprise the majority of segmental income Operating Income Composition (SARmn) Net Profit Before Zakat Composition (SARmn) 19% 33% 9% 5,815 Retail 39% Corporate Customers' Deposits Composition (SARbn) 31% Treasury Investments & brokerage Retail 12% 26% 3,054 29% مصرف الإنماء alinma bank Retail 33% Financing, Gross Composition (SARbn) 132.0 Non-retail 69% 75% 3Q 2022 INVESTOR PRESENTATION 143.7 Treasury Corporate Investments & brokerage Retail 25% Non-retail 37/50#38مصرف الإنماء alinma bank Segmental Performance Highlights All segments reported growth in operating income YoY Operating Income Movement YoY (SARmn) Net Income Before Zakat Movement YoY (SARmn) 360 115 4,979 +17% 329 32 5,815 2,331 (63) 443 +31% 309 34 3,054 Total operating income Retail Corporate Treasury 9M 21 +19% +6% +43% Investments & Total operating brokerage income +6% Income before Retail Corporate Treasury Zakat 9M 22 9M 21 -6% +126% +52% Investments & brokerage +10% Income before Zakat 9M 22 Customers' Deposits Movement YTD (SARbn) +9% 9.6 121.1 Financing, Gross Movement YTD (SARbn) 1.4 132.0 130.3 7.9 +10% 5.5 143.7 Customers' deposits Retail Non-retail Customers' deposits Financing, gross Retail Non-retail Financing, gross 3Q 22 3Q 22 4Q 21 4Q 21 +12% +3% +28% +5% 3Q 2022 INVESTOR PRESENTATION 38/50#39Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 19% YoY SAR (mn) Retail NPL (%) 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% 0.8% مصرف الإنماء alinma bank Income from investments and financing, net 0.6% 2,023 1,724 +17% 801 566 +41% Fees from services & other income 268 206 +30% 115 83 +38% 0.4% Total operating income 2,290 1,930 +19% 916 649 +41% 0.2% Total operating expenses 1,168 990 +18% 444 345 +29% Total charges/(reversals) for 0.0% 125 (120) +204% 81 (32) +350% impairments 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Income for the period before zakat 997 1,061 -6% 391 337 +16% Retail Deposits (SARbn) Retail Financing (SARbn) +12% +28% 91.0 77.3 81.5 92.0 91.1 30.8 32.9 35.9 26.7 28.0 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 QoQ +5% +12% +1% -1% QoQ +5% +10% +6% +9% 3Q 2022 INVESTOR PRESENTATION 0.6% Management Commentary ■ Retail operating income rose by 19% YoY to SAR 2,290mn from 17% increase in funded income and a 30% increase in non-funded income. ■ Retail net income fell by 6% YoY due to a 204% rise in impairments and a 18% increase in operating expenses YoY. ■ Retail deposits increased 12% while financing increased by 28% during 9M 2022. ■ The retail NPL ratio rose during 9M 2022 to 0.6%. 39/50#40Segmental Performance - Corporate Strong income growth and lower impairments translate to significant net income growth SAR (mn) 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% Financing, Gross Composition (SARbn) مصرف الإنماء alinma bank 19% 2 13% 9% 10% 14% Real Estate Services Government Manufacturing Commerce Building & construction Other Income from investments and financing, net 1,641 1,549 +6% 621 626 -1% 28% Fees from services & other income 255 232 +10% 84 58 +45% Total operating income 1,895 1,781 +6% 705 684 +3% 107.9 Total operating expenses 464 344 +35% 145 140 +3% 7% Total charges/(reversals) for 635 1,083 -41% 192 311 -38% impairments Income for the period before zakat 797 353 +126% 369 232 +59% Corporate Deposits (SARbn) Corporate Financing (SARbn) -0% +5% 23.7 24.4 21.4 23.7 98.8 102.3 102.1 102.2 107.9 20.6 3Q 21 QoQ 4Q 21 +11% 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 -13% +18% -3% QoQ +4% -0% +0% +6% 3Q 2022 INVESTOR PRESENTATION Management Commentary ■ Corporate operating income increased by 6% YoY mainly from an increase of 6% in funded income. ▪ This income growth, together with lower impairments, translated to 1.3x net income growth despite a 35% rise in operating costs. Corporate financing rose by 5% during 9M 2022 while corporate deposits were stable YTD. ■ The corporate NPL ratio declined during 9M 2022 to 2.0%. 40/50#41Segmental Performance - Treasury Strong income and net income growth SAR (mn) 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% Investments (SARbn) مصرف الإنماء alinma bank +15% Income from investments and 667 490 +36% 229 177 +30% financing, net Investment-related income 261 148 -77% 19 12 -55% 36.0 37.7 38.3 Fees from services & other income 172 133 +29% 42 53 -22% 31.9 33.3 Total operating income 1,099 771 +43% 290 242 +20% Total operating expenses 188 167 +13% 50 71 -29% Total charges/(reversals) for 10 2 -341% 9 (0) impairments Net operating income 901 601 +50% 231 172 +35% Share of income/(loss) from an 1 (8) 3Q 21 4Q 21 1Q 22 2Q 22 +114% 1 (4) +127% associate and joint venture QoQ +4% +8% +5% 3Q 22 +1% Income before Zakat 902 593 +52% 232 168 +39% Treasury Assets (SARbn) 44.1 45.7 48.7 +12% 51.5 51.3 3Q 21 4Q 21 1Q 22 2Q 22 QoQ +4% +6% +6% 3Q 2022 INVESTOR PRESENTATION 3Q 22 -0% Management Commentary ■ ■ Treasury operating income rose by 43% YoY to SAR 1,099mn in 9M 2022 from strong improvements in both funded (+36%) and fee income (+29%). This strong income growth drove a 52% improvement in net income YoY. ■ Treasury assets rose by 12% during 9M 2022 to SAR 51.3bn, driven by 15% growth in the investment portfolio to SAR 38.3bn. 41/50#42Segmental Performance - Investments & Brokerage Modest income growth and lower expenses driving strong net income growth in 9M 2022 SAR (mn) 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% Assets Under Management (SARbn) -4% 76.4 76.3 73.1 24 -8% Income from investments and financing, net 68 68 +0% 22 22 Fees from services & other income 462 430 +7% 142 122 +16% مصرف الإنماء alinma bank 77.5 73.5 Total operating income 530 498 +6% 164 147 +12% Total operating expenses 195 174 +12% 10 70 60 60 +17% 3Q 21 4Q 21 Income before Zakat 357 324 +10% 110 86 +28% QoQ +4% 1Q 22 -0% 2Q 22 3Q 22 +2% -5% Brokerage Trading Income (SARmn) -33% 99.1 66.0 Brokerage Trading Values (SARbn) 117.8 -30% 82.9 Management Commentary ■ Investment and brokerage (I&B) operating income rose by 6% YoY to SAR 530mn from modest growth in non-funded income. ■ I&B net income increased 10% YoY from higher income despite a 12% increase in expenses. 9M 21 9M 22 9M 21 9M 22 3Q 2022 INVESTOR PRESENTATION ☐ Brokerage trading income and brokerage trading values for 9M 2022 declined by 33% and 30% respectively YoY, while AUM increased by 0.5% YoY. 42/50#43Outlook & Guidance 1158< 3Q 2022 Lean My سداد 0 7512 SAR U OSM -1 11a SA 1660 201 satst مصرف الإنماء alinma bank digital. fast. convenient.#44Guidance 2022 outlook remains promising. Revised guidance for financing growth 9M 2022A Drivers Balance Sheet Financing Growth +15% YoY Strong Mid-Corp, SME & Retail growth from strategic initiatives; pick up in corporate financing مصرف الإنماء alinma bank 2022G High teens (Revised from low teens) Net Profit Margin 3.59% +14bps YoY Rising rates and funding mix supportive +20bps to +25bps of improving margin Profitability Cost to Income Ratio 34.7% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 35% Return on Equity 14.0% Improving NPM, efficiency and COR driving improving Above 13% ROE Asset Quality Cost of Risk 0.74% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 65-75bps Capital 3Q 2022 INVESTOR PRESENTATION CET1 16.0% Increasing RWAs from strong expected financing growth 16%-17% ↑ I 44/50#45Appendix 3Q 2022 مصرف الإنماء alinma bank digital. fast. convenient.#46ESG in Action Alinma is progressing on key initiatives to drive the ESG agenda and enhance its ratings Environment مصرف الإنماء alinma bank Deployment of digital channels and digital signatures to reduce paper; 108 new digital zones Energy efficient lighting are now in all branches. Planning to extend to Head Office Air conditioning timers installed in 16 branches; 20% reduction in electricity usage Renewable (solar) energy sources piloted across regions titi Social +57,303 employee training hours and +4 employee townhalls conducted YTD 1% of annual profit allocated to CSR activities 1st KSA bank to sign the Women's Empowerment Principles (WEPs); 37% new women hires in 3Q 22 Community focus with growth YoY in SME financing from Kafalah (+43%) and POS (+104%) programs Governance Shariah compliance through regular internal audits and committee oversight SAMA and CMA compliance in regulatory & financial disclosures and adoption of internal controls 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+ 3Q 2022 INVESTOR PRESENTATION 25/100 ESG Score ESG Invest By SUSTAINABILITY EXCELLENCE 46/50#47Alinma ESG Material Material issues were ranked based on their importance for the bank and our stakeholders MOST IMPORTANT Responsible Customer Relations and Satisfaction Talent Attraction, Retention and Development Diversity and Inclusion Digitalization and Innovation Governance, Accountability, Transparency and Ethics Systemic Risk Management MORE IMPORTANT IMPORTANT 3Q 2022 INVESTOR PRESENTATION Employee Engagement and Wellbeing Financial Inclusion and Accessibility Data Privacy and Cybersecurity Financial and Economic Performance Sustainable/Green Lending and Investment Operational Environmental Impact Supply Chain Management and Responsible Procurement Social Development and Community Engagement Nationalization مصرف الإنماء alinma bank 47/50#48ESG in Action مصرف الإنماء alinma bank In 2Q 2022 Alinma BoD formed a Governance and Sustainability committee to oversee the ESG framework and progress Governance and Sustainability Committee Objectives The committee members are to be actively engaged in ESG initiatives and oversee progress with the management team on all ESG matters including strategy, framework, risks & opportunities, stakeholder engagement, programs & sustainability Committee Members 31 ma 3Q 2022 INVESTOR PRESENTATION Oversight Management Alinma's management team manages the implementation of the overall ESG strategy and integration into the bank's 2025 long-term strategy Implementation Alinma's investor relations team is engaged in the ESG and sustainability framework, initiatives and external reporting Saad Abdulaziz Al Kroud Committee Chairman Ahmed Abdullah Al Alsheikh Committee Member Saud bin Mohammad Al Nemer Committee Member 48/50#49IR Contacts مصرف الإنماء alinma bank Ahmed Sager Head of Investor Relations Mobile: +966-53-775-3352 Direct: +966-11-218-6364 Email: [email protected] Ibrahim Al Khudair Investor Relations Assistant Manager Mobile: +966-55-788-5520 Direct: +966-11-218-6181 Email: [email protected] Nawaf Alsheikh Investor Relations Officer Mobile: +966-55-888-8695 Direct: +966-11-218-7732 Abdulrahman Binaumairh Investor Relations Officer Mobile: +966-58-119-1855 Direct: +966-11-218-7665 Email: [email protected] Email: [email protected] Visit our new website here for more investor disclosures: Financial statements Annual reports Investor presentations Earnings call transcripts 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 digital. fast. convenient.#50Disclaimer مصرف الإنماء alinma bank 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. 50/50