2Q 2022 INVESTOR PRESENTATION

P&L Trends مصرف الإنماء alinma bank Net income for 1H 2022 grew by 29% YoY due to 15% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 1H 2022 grew 29% YoY to SAR 1,750mn from 15% income growth and a 30% decrease in impairments despite 23% higher operating expenses YoY. 195 287 ■ 2Q 2022 net income improved 30% YoY driven by 17% increase in income and a 30% decrease in impairments. 1,352 SAR (mn) (246) +29% 203 4 1,750 (46) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% Net income Funded 1H 21 income Non-Funded Operating Impairments Associate & Zakat income Expenses JV Net income 1H 22 Funded income 2,725 2,438 +12% 1,413 1,231 +15% Non-Funded income 1,015 819 +24% 519 422 +23% Operating Income Composition (SARmn) Total operating income 3,740 3,257 +15% 1,932 1,653 +17% Operating Expenses 1,306 1,060 +23% 663 519 +28% 4% 2% Net operating income before 6% 2,434 2,198 +11% 1,269 1,134 +12% impairment charge Impairments 483 686 -30% 240 342 -30% 15% Net operating income 1,951 1,512 +29% 1,029 792 +30% 3,740 Income before zakat & income tax 1,951 1,508 +29% 1,031 792 +30% 73% Zakat 201 155 +29% 106 82 +30% Net income 1,750 1,352 +29% 925 710 +30% 2Q 2022 INVESTOR PRESENTATION Funded income Fees from banking services Investment gains/dividends Exchange income Other income 23/50

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