4Q 2022 INVESTOR PRESENTATION

Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 26% YoY SAR (mn) Retail NPL (%) FY 2022 FY 2021 A% 4Q 2022 4Q 2021 A% 1.5% مصرف الإنماء alinma bank Income from investments and financing, net 2,881 2,262 +27% 859 538 +60% 1.0% Fees from services & other income 366 306 +19% 98 100 -2% Total operating income 3,247 2,568 +26% 957 638 +50% 0.5% Total operating expenses 1,619 1,390 +16% 451 401 +13% 0.0% Total charges/(reversals) for impairments 351 (125) +381% 226 (4) +5350% 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 Income for the period before zakat 1,277 1,303 -2% 280 242 +16% Retail Deposits (SARbn) Retail Financing (SARbn) +19% +33% 81.5 91.0 92.0 91.1 97.1 28.0 30.8 32.9 35.9 37.3 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 QoQ +12% +1% -1% +7% QoQ +10% +6% +9% +4% 4Q 2022 INVESTOR PRESENTATION 1.2% Management Commentary ■ Retail operating income rose by 26% YoY to SAR 3,247mn from 27% increase in funded income and a 19% increase in non-funded income. ■ Retail net income fell by 2% YoY due to a 381% rise in impairments and a 16% increase in operating expenses YoY. ■ Retail deposits increased 19% while financing increased by 33% during FY 2022. ■ The retail NPL ratio increased during FY 2022 to 1.2%. 39/49

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