3Q 2023 INVESTOR PRESENTATION

Non-Performing Loans NPL ratio increased YoY Non-Performing Loans, Gross (SARbn) 3.3 2.9 2.4 2.2 +1% 3.1 2.9 2.6 2.5 2.1 2.5 NPL, Gross Movement YTD (SARbn) +1% 0.3 2.9 (0.3) مصرف الإنماء alinma bank 2.9 0.5 0.7 0.6 0.8 0.2 QoQ 3Q 22 +22% 4Q 22 +13% 1Q 23 -5% 2Q 23 -6% 3Q 23 Total NPL 4Q 22 Retail Corporate Total NPL 3Q 23 Retail Corporate +75% -13% NPL Composition (SARbn) 73% 2.9 NPL Ratio (%) 3.00% 2.50% 2.11% 1.94% 1.89% 1.67% 1.69% 27% 2.00% Retail 1.50% 1.00% Corporate 0.50% 0.00% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 2023 INVESTOR PRESENTATION Management Commentary ■ NPL ratio increased by 2bps YoY and decreased 20bps QoQ to 1.69% in 3Q 2023. ■ Retail financing, which account for the smaller proportion of NPLs, increased by 75%, while corporate NPLs decreased by 13% YTD. ■ The NPL ratio for retail stood at 1.9% while corporate stood at 1.6% as at 3Q 2023. 32/48

View entire presentation