4Q 2022 INVESTOR PRESENTATION

Guidance Acceleration of strategic execution drives a promising outlook for 2023 FY 2022A 2022G 2023G Balance Sheet Financing Growth +16% YOY High teens Mid teens Net Profit Margin 3.62% +20bps YoY +20bps to +25bps +35bps to +45bps Drivers مصرف الإنماء alinma bank Strong Mid-Corp, SME & Retail growth from strategic initiatives; pick up in corporate financing Rising rates and funding mix supportive of improving margin Profitability Cost to Income Ratio 34.7% Below 35% Below 32% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Improving NPM, efficiency and COR driving improving Return on Equity 13.7% Above 13% Above 17% ROE Asset Quality Cost of Risk 0.85% 65-75bps 60-70bps Capital CAR Pillar 1 19.8% 4Q 2022 INVESTOR PRESENTATION Return on Equity Target for 2025 above 18% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 17%-18% Increasing RWAs from strong expected financing growth 44/49

View entire presentation