2Q 2023 Investor Presentation

NPL Coverage NPL coverage decreased YoY Stage-Wise Financing, Gross (SARbn) +10% 135.1 143.7 150.5 157.2 165.9 3.3 2.4 2.9 3.1 7.0 2.6 8.5 7.8 9.0 8.9 123.6 132.3 139.1 146.0 QoQ 2Q 22 +6% 3Q 22 +5% 4Q 22 +4% 1Q 23 +6% Stage 1 NPL Coverage Ratio (%) Stage 2 Stage 3 مصرف الإنماء alinma bank Stage-Wise Financing, Gross Composition (SARbn) 155.7 2Q 23 4% 2% C 165.9 Stage-Wise Coverage (%) 75% 58.4% 56.1% 56.8% 57.1% 52.2% 300% 55% 200% 150.1% 155.5% 136.3% 121.5% 130.1% 35% 19.4% 18.9% 19.3% 19.4% 21.1% 100% 15% 0% 0.5% 0.5% 0.5% 0.5% -5% 0.5% 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 ■Stage 1 ■Stage 2 Stage 3 2Q 2023 INVESTOR PRESENTATION 94% Stage 1 Stage 2 Stage 3 Management Commentary ■ NPL coverage decreased by 20ppts YoY to 130.1%. Stage 1 coverage remained stable YoY at 0.5%. Stage 2 coverage increased, while the stage 3 coverage trend was impacted by write-offs during 1H 2023. 33/48

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