3Q 2023 INVESTOR PRESENTATION

Net Profit Margin مصرف الإنماء alinma bank Average balance of investments and financing grew 16%; while net profit margin saw an increase of 22bps YoY Average Balance of Investments & Financing (SARbn) Net Profit Margin QTR (%) 170.8 178.9 185.2 +16% 197.2 206.9 136.6 142.7 149.2 157.9 166.2 34.1 QoQ 3Q 22 36.2 35.9 39.3 40.8 +5% 4Q 22 Investments +3% 1Q 23 +7% 2Q 23 +5% 3Q 23 Financing Net Profit Margin Movement YoY (%) +22bps 2.07% 3.59% 0.16% Net profit Investments Financing yield margin yield 9M 22 3Q 2023 INVESTOR PRESENTATION Net Profit Margin YTD (%) 8% +15bps 3.70% 3.80% 3.78% 3.85% 4Q 22 QoQ 1Q 23 2Q 23 3Q 23 +10bps -2bps +6bps 6.45% ■ 6% 3.81% 4.22% 4% 3.59% 2% 3.81% 2.64% -2.00% 0.63% 0% COF rate Net profit 9M 22 FY 22 1Q 23 1H 23 9M 23 margin 9M 23 Net Profit Margin -Yield rate COF rate Management Commentary Average balance of investments and financing grew 16% YTD. Net profit margin increased by 22bps YoY to 3.81% in 9M 2023. ■ The QTR net profit margin increased by 6bps QoQ to 3.85%. 28/48

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