4Q 2021 Investor Presentation

Impairments from Financing The cost of risk has declined by 32bps mainly from 12% lower impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) -55% 637 1,419 347 337 279 289 -12% 1,252 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 2020 2021 QoQ -46% -3% -17% +4% Cost of Risk (%) 1.4% 1.34% 1.3% 1.2% 1.1% 1.0% 0.9% 0.8% FY 20 1Q 21 1H 21 9M 21 FY 21 4Q 2021 INVESTOR PRESENTATION 1.02% مصرف الإنماء alinma bank Impairments Composition (SARmn) 90% 10% Retail 1,252 Corporate Management Commentary ■ The impairment charge for financing for 2021 decreased by 12% YoY to SAR 1,252mn. ◉ 4Q 2021 impairments declined 55% YoY mainly because of migration in 4Q 2020 for selected corporate accounts. ■ Cost of risk for 2021 declined by 32bps YoY to 1.02%. 31/48

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