3Q 2021 Investor Presentation

Impairments from Financing The impairment charge for 3Q 2021 increased 21% YoY due to increased provision coverage Impairments for Financing (SARmn) +21% Impairments Composition (SARmn) 10% 231 637 347 337 279 3Q 20 4Q 20 1Q 21 2Q 21 3Q 21 QoQ +176% -46% -3% -17% Cost of Risk (%) 1.4% 1.1% 0.8% 0.5% 9M 20 FY 20 1Q 21 1H 21 3Q 2021 INVESTOR PRESENTATION 9M 21 1.07% 90% 279 C مصرف الإنماء alinma bank Retail Corporate Management Commentary ■ The total impairment charge for financing for 3Q 2021 increased by 21% YoY to SAR 279mn; it has however significantly declined from the 4Q 2020 level as coverage was enhanced during that quarter for selected corporate accounts. ■ Cost of risk for 9M 2021 has declined back to similar levels as 9M 2020 at 1.07%. 27/41

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