3Q 2021 Investor Presentation

Segmental Performance - Retail Income growth from significant increases in non-funded income along with solid balance sheet growth مصرف الإنماء alinma bank SAR (mn) 9M 2021 9M 2020 A% 3Q 2021 3Q 2020 A% Retail NPL (%) 1.2% Income from investments and financing, net 1,726 1,760 -2% 567 567 +0% 0.9% Fees from services & other income 317 129 +146% 111 42 +162% 0.6% Total operating income 2,043 1,889 +8% 678 609 +11% 0.3% Total operating expenses 1,171 1,106 +6% 427 381 +12% Total charges/(reversals) for 0.0% (120) 110 -209% (32) 62 -152% impairments 9M 20 FY 20 1Q 21 1H 21 9M 21 Income for the period before zakat 993 673 +48% 283 166 +71% NPL ratio Retail Deposits (SARbn) Retail Financing (SARbn) -7% +10% 77.3 83.3 83.5 86.5 77.3 23.2 24.2 25.9 26.4 26.7 0.6% Management Commentary ■ Retail operating income increased by 8% to SAR 2,043mn in 9M 2021 from a strong increase in non-funded income of 146%. ■ Retail net income grew 48% due to higher non- funded income and an impairment reversal. ■ Retail deposits declined 7% while financing increased by 10% during 9M 2021. 3Q 20 4Q 20 1Q 21 2Q 21 3Q 21 3Q 20 4Q 20 1Q 21 2Q 21 3Q 21 QoQ +8% +0% +4% -11% QoQ +4% +7% +2% +1% ■ The retail NPL ratio and cost of risk both declined since year-end to 0.6% and -0.6% respectively. 3Q 2021 INVESTOR PRESENTATION 35/41

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