2Q 2023 Investor Presentation

Guidance مصرف الإنماء alinma bank Acceleration of strategic execution drives a promising outlook for 2023. Revised guidance for financing growth, NPM and COR 2Q 2023A Drivers Balance Sheet Financing Growth +10% YTD Strong Mid-Corp, SME & Retail growth from strategic initiatives; pick up in corporate financing 2023G High teens (Revised from Mid teens) Net Profit Margin 3.79% +37bps YoY Rising rates and funding mix supportive of improving margin +30bps to +40bps (Revised from +35bps to +45bps) Profitability Cost to Income Ratio 32.6% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 32% Return on Equity 16.0% Improving NPM, efficiency and COR driving improving ROE Above 17% Asset Quality Cost of Risk 0.84% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 65-75bps (Revised from 60-70bps) Capital CAR Pillar 1 2Q 2023 INVESTOR PRESENTATION 18.2% Increasing RWAs from strong expected financing growth Return on Equity Target for 2025 above 18% 17%-18% I I 44/48

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