3Q 2022 Investor Presentation

Liquidity Alinma's liquidity position is healthy and comfortably within regulatory limits NSFR (%) LDR SAMA Ratio (%) 115% 111.7% 109.4% 110.1% 110.5% 110% 105% 100% 95% 90% 3Q 21 4Q 21 1Q 22 2Q 22 NSFR .. Regulatory Minimum Leverage Ratio (%) 20% 17.6% 15% 10% 5% LCR (%) 103.2% 3Q 22 95% 90% 85% 85.5% 80% 100% 75% 70% 3Q 21 4Q 21 1Q 22 LDR SAMA Ratio 131% 134% 133% 139% 129% 15.6% 150% 0% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 Leverage ratio Regulatory Minimum 3Q 2022 INVESTOR PRESENTATION 100% 100% مصرف الإنماء alinma bank 2Q 22 - Regulatory Maximum 3Q 22 90% 87.0% Management Commentary ■ NSFR has decreased 6.2ppts YoY to 103.2% due to increase in corporate financing with long maturity followed with an increase in short term time deposits, and interbank placements. ■ The LDR SAMA ratio increased 1.5ppts YoY to 87.0%. 50% 3% 0% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 ■ The leverage ratio decreased 200bps YoY to 15.6%. .LCR Regulatory Minimum ■ 3Q 2022 LCR declined 2ppts YoY due to the increase in short term time deposits, and interbank placements. 35/50

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