3Q 2022 Investor Presentation

Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 19% YoY SAR (mn) Retail NPL (%) 9M 2022 9M 2021 A% 3Q 2022 3Q 2021 A% 0.8% مصرف الإنماء alinma bank Income from investments and financing, net 0.6% 2,023 1,724 +17% 801 566 +41% Fees from services & other income 268 206 +30% 115 83 +38% 0.4% Total operating income 2,290 1,930 +19% 916 649 +41% 0.2% Total operating expenses 1,168 990 +18% 444 345 +29% Total charges/(reversals) for 0.0% 125 (120) +204% 81 (32) +350% impairments 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Income for the period before zakat 997 1,061 -6% 391 337 +16% Retail Deposits (SARbn) Retail Financing (SARbn) +12% +28% 91.0 77.3 81.5 92.0 91.1 30.8 32.9 35.9 26.7 28.0 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 QoQ +5% +12% +1% -1% QoQ +5% +10% +6% +9% 3Q 2022 INVESTOR PRESENTATION 0.6% Management Commentary ■ Retail operating income rose by 19% YoY to SAR 2,290mn from 17% increase in funded income and a 30% increase in non-funded income. ■ Retail net income fell by 6% YoY due to a 204% rise in impairments and a 18% increase in operating expenses YoY. ■ Retail deposits increased 12% while financing increased by 28% during 9M 2022. ■ The retail NPL ratio rose during 9M 2022 to 0.6%. 39/50

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