4Q 2021 Investor Presentation

P&L Trends Net income for 2021 grew by 38% YoY due to 17% income growth Management Commentary ■ Net income for 2021 grew 38% YoY to SAR 2,709mn from 17% income growth and an 11% decrease in impairments despite 14% higher operating expenses YoY. ■ 4Q 2021 net income improved 57% YoY to SAR 619mn driven by 4% increase in income and a 54% decrease in impairments. Net Income Movement YoY (SARmn) +38% 496 489 1,966 (299) SAR (mn) 152 مصرف الإنماء alinma bank 2,709 (19) (76) FY 2021 FY 2020 A% 4Q 2021 4Q 2020 A% Net income Funded FY 20 income Non-Funded Operating Impairments Associate & income Expenses Zakat Net income JV FY 21 Funded income 5,137 4,648 +11% 1,309 1,214 +8% Non-Funded income 1,530 1,034 +48% 373 396 -6% Operating Income Composition (SARmn) Total operating income 6,667 5,682 +17% 1,682 1,610 +4% Operating Expenses 2,365 2,066 +14% 684 524 +31% 3% Net operating income before 4,302 3,616 +19% 998 1,086 -8% impairment charge 16% Impairments 1,266 1,418 -11% 301 650 -54% Net operating income 3,036 2,197 +38% 697 436 +60% Income before zakat & income tax 3,022 2,202 +37% 691 439 +57% Zakat 312 236 +32% 72 45 +59% 2% 2% C 6,667 Funded income Fees from services 77% Exchange income Investment gains/dividends Other income Net income 2,709 1,966 +38% 619 394 +57% 4Q 2021 INVESTOR PRESENTATION 23/48

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