3Q 2023 INVESTOR PRESENTATION

Impairments for Financing Cost of risk for 9M 2023 increased by 5bps from 26% higher credit impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) 273 436 +10% 337 326 301 3Q 22 QoQ 4Q 22 +60% 1Q 23 -23% 2Q 23 -3% Impairments Allowance Composition 3Q 23 -8% Cost of Risk (%) 1.5% (SARmn) 23% 1.0% Retail 0.74% 4,431 0.5% Corporate 77% 3Q 2023 INVESTOR PRESENTATION 762 9M 22 0.79% 0.0% 9M 22 FY 22 1Q 23 1H 23 9M 23 مصرف الإنماء alinma bank +26% 964 9M 23 Management Commentary ■ 9M 2023 impairment charge for financing increased by 26% YoY to SAR 964mn. ■ Cost of risk for 9M 2023 increased by 5bps YoY to 0.79%. ■ 77% of impairment allowance in 9M 2023 pertains to corporate and 23% is for retail financing. 31/48

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