3Q 2023 INVESTOR PRESENTATION

NPL Coverage NPL coverage decreased YoY Stage-Wise Financing, Gross (SARbn) +15% 143.7 150.5 157.2 165.9 173.5 2.9 3.1 3.3 2.9 2.4 7.0 8.9 9.0 8.5 7.8 132.3 139.1 146.0 155.7 161.6 QoQ 3Q 22 +5% 4Q 22 +4% 1Q 23 +6% 2Q 23 +5% 3Q 23 Stage 1 Stage 2 Stage 3 NPL Coverage Ratio (%) 300% Stage-Wise Coverage (%) مصرف الإنماء alinma bank Stage-Wise Financing, Gross Composition (SARbn) 95% 73.3% 56.1% 56.8% 57.1% 52.2% 200% 155.5% 136.3% 150.8% 121.5% 130.1% 45% 18.9% 19.3% 19.4% 21.1% 17.1% 100% 0% -5% 0.5% 0.5% 0.5% 0.5% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 ■Stage 1 ■Stage 2 Stage 3 3Q 2023 INVESTOR PRESENTATION 5% 2% 173.5 93% Stage 1 Stage 2 Stage 3 0.5% Management Commentary ■ NPL coverage decreased by 4.7ppts YoY to 150.8%. Stage 1 coverage remained stable YoY at 0.5%. Stage 2 coverage decreased, while the stage 3 coverage increased due to movement of stage 2 accounts with higher coverage to stage 3. 33/48

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