4Q 2022 INVESTOR PRESENTATION

Segmental Performance - Treasury Strong income and net income growth SAR (mn) FY 2022 FY 2021 A% 4Q 2022 4Q 2021 A% Investments (SARbn) مصرف الإنماء alinma bank Income from investments and financing, net +16% 651 674 -3% (17) 184 -109% Investment-related income 311 138 +125% 50 (9) +650% 36.0 37.7 38.3 38.5 33.3 Fees from services & other income 224 233 -4% 52 101 -48% Total operating income 1,185 1,046 +13% 86 275 -69% Total operating expenses 252 240 +5% 49 64 73 -13% Total charges/(reversals) for impairments 14 3 -435% 4 0 +1002% Net operating income 920 803 +14% 18 202 -91% Share of loss from an associate and joint venture 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 (14) +125% 2 (6) +41% QoQ +8% +5% +1% +1% Income before Zakat 923 789 +17% 21 196 -89% Treasury Assets (SARbn) +15% 45.7 48.7 51.5 51.3 52.4 4Q 21 1Q 22 2Q 22 3Q 22 QoQ +6% +6% -0% 4Q 2022 INVESTOR PRESENTATION 4Q 22 +2% Management Commentary ■ Treasury operating income rose by 13% YoY to SAR 1,185mn in FY 2022 from strong improvements in investment related income by 125%. ▪ This income growth drove a 17% improvement in net income YoY. ■ Treasury assets rose by 15% during FY 2022 to SAR 52.4bn, driven by 16% growth in the investment portfolio to SAR 38.5bn. 41/49

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