3Q 2022 Investor Presentation

P&L Trends مصرف الإنماء alinma bank Net income for 9M 2022 grew by 31% YoY due to 17% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 9M 2022 grew 31% YoY to SAR 2,739mn from 17% income growth and a 23% decrease in impairments despite 20% higher operating expenses YoY. +31% 218 6 268 568 ■ 3Q 2022 net income improved 34% YoY driven by 21% increase in income and a 5% decrease in impairments. 2,090 SAR (mn) (339) (75) 2,739 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% Net income Funded 9M 21 income Non-funded Operating Impairments Associate & Zakat income Expenses JV Net income 9M 22 Funded income 4,399 3,831 +15% 1,674 1,393 +20% Non-Funded income 1,417 1,148 +23% 402 329 +22% Total operating income 5,815 4,979 +17% 2,075 1,722 +21% Operating Income Composition (SARmn) Operating Expenses 2,015 1,676 +20% 710 616 +15% 4% 1% Funded income Net operating income before impairment 4% 3,800 3,304 +15% 1,366 1,106 +24% charge Impairments 748 965 -23% 264 279 -5% 15% Net operating income 3,053 2,339 +31% 1,102 827 +33% 5,815 Income before zakat & income tax 3,054 2,331 +31% 1,103 823 +34% Fees from banking services Investment gains/dividends Exchange income 76% Zakat 315 240 +31% 114 85 +34% Other income Net income 2,739 2,090 +31% 989 738 +34% 3Q 2022 INVESTOR PRESENTATION 23/50

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