2Q 2023 Investor Presentation

Segmental Performance - Corporate Strong income growth and lower impairments translate to significant net income growth YoY SAR (mn) 1H 2023 1H 2022 A% 2Q 2023 2Q 2022 A% Financing, Gross Composition (SARbn) Income from investments and financing, net 1,402 1,020 +37% 693 524 +32% 29% Fees from services & other income 235 171 +38% 116 83 +39% Total operating income 1,637 1,190 +38% 809 607 +33% Total operating expenses 398 319 +25% 196 163 +20% 7% Total charges/(reversals) for impairments 86 443 -81% 76 174 -56% Income for the period before zakat 1,153 428 +169% 537 270 +99% Corporate Deposits (SARbn) Corporate Financing (SARbn) 18% 124.3 16% 11% 9% 10% +63% +10% 38.6 102.2 107.9 113.2 117.0 124.3 28.4 24.4 23.7 23.7 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 QoQ -3% +0% +20% +36% QoQ +6% +5% +3% +6% 2Q 2023 INVESTOR PRESENTATION مصرف الإنماء alinma bank Real Estate Services Government Commerce Manufacturing Building & construction Other Management Commentary ■ Corporate operating income increased by 38% YoY mainly from an increase of 37% in funded income. ▪ This income growth, together with lower impairments, translated to 169% net income growth despite a 25% rise in operating costs. Corporate financing rose by 10% during 1H 2023 while corporate deposits increased 63%. ■ The corporate NPL ratio decreased 29bps YoY to 2.02%. 40/48

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