3Q 2022 Investor Presentation

Segmental Performance - Corporate Strong income growth and lower impairments translate to significant net income growth SAR (mn) 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% Financing, Gross Composition (SARbn) مصرف الإنماء alinma bank 19% 2 13% 9% 10% 14% Real Estate Services Government Manufacturing Commerce Building & construction Other Income from investments and financing, net 1,641 1,549 +6% 621 626 -1% 28% Fees from services & other income 255 232 +10% 84 58 +45% Total operating income 1,895 1,781 +6% 705 684 +3% 107.9 Total operating expenses 464 344 +35% 145 140 +3% 7% Total charges/(reversals) for 635 1,083 -41% 192 311 -38% impairments Income for the period before zakat 797 353 +126% 369 232 +59% Corporate Deposits (SARbn) Corporate Financing (SARbn) -0% +5% 23.7 24.4 21.4 23.7 98.8 102.3 102.1 102.2 107.9 20.6 3Q 21 QoQ 4Q 21 +11% 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 -13% +18% -3% QoQ +4% -0% +0% +6% 3Q 2022 INVESTOR PRESENTATION Management Commentary ■ Corporate operating income increased by 6% YoY mainly from an increase of 6% in funded income. ▪ This income growth, together with lower impairments, translated to 1.3x net income growth despite a 35% rise in operating costs. Corporate financing rose by 5% during 9M 2022 while corporate deposits were stable YTD. ■ The corporate NPL ratio declined during 9M 2022 to 2.0%. 40/50

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