3Q 2023 INVESTOR PRESENTATION

Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 36% YoY مصرف الإنماء alinma bank 1.9% SAR (mn) 9M 2023 9M 2022 A% 3Q 2023 3Q 2022 Retail NPL (%) A% 2.0% 1.6% Income from investments and financing, net 2,889 2,023 +43% 1,058 801 +32% 1.2% Fees from services & other income 339 355 -5% 192 202 -5% 0.8% Total operating income 3,227 2,377 +36% 1,250 1,003 +25% 0.4% Total operating expenses 1,272 1,263 +1% 497 539 -8% 0.0% Total charges/(reversals) for impairments 766 125 +513% 185 81 +129% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Income for the period before zakat 1,189 989 +20% 568 383 +48% Retail Deposits (SARbn) +21% Retail Financing (SARbn) +13% 91.1 97.1 102.1 112.0 117.2 40.2 41.6 42.3 35.9 37.3 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 QoQ +7% +5% +10% +5% QoQ +4% +8% +3% +2% 3Q 2023 INVESTOR PRESENTATION Management Commentary ■ Retail operating income rose by 36% YoY to SAR 3,227mn from 43% increase in funded income. ■ Retail net income rose by 20% YoY due to a significant increase in funded income. ■ Retail deposits increased 21% while financing increased by 13% during 9M 2023. ■ The retail NPL ratio increased during 9M 2023 to 1.9%. 39/48

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