2Q 2023 Investor Presentation

Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 44% YoY مصرف الإنماء alinma bank SAR (mn) Retail NPL (%) 1H 2023 1H 2022 A% 2Q 2023 2Q 2022 A% 2.0% 1.6% Income from investments and financing, net 1,830 1,222 +50% 945 652 +45% 1.2% Fees from services & other income 147 153 -4% 83 94 -12% 0.8% Total operating income 1,977 1,375 +44% 1,029 747 +38% 0.4% Total operating expenses 774 724 +7% 379 367 +3% 0.0% Total charges/(reversals) for impairments 581 44 +1213% 255 73 +249% 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 Income for the period before zakat 621 606 +3% 394 307 +29% Retail Deposits (SARbn) Retail Financing (SARbn) +15% +12% 112.0 92.0 91.1 97.1 102.1 32.9 35.9 37.3 40.2 41.6 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 QoQ -1% +7% +5% +10% QoQ +9% +4% +8% +3% 2Q 2023 INVESTOR PRESENTATION 1.5% Management Commentary ■ Retail operating income rose by 44% YoY to SAR 1,977mn from 50% increase in funded income. ■ Retail net income rose by 3% YoY due to a significant increase in funded income. ■ Retail deposits increased 15% while financing increased by 12% during 1H 2023. ■ The retail NPL ratio increased during 1H 2023 to 1.5%. 39/48

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