4Q 2021 Investor Presentation

Fee and Other Income Non-funded income for 2021 increased by 48% YoY Non-Funded Income (SARmn) -6% Non-Funded Income Movement YoY (SARmn) 424 396 402 373 149 331 49 113 13 1,034 142 117 73 347 288 282 259 256 QoQ 4Q 20 +1% 1Q 21 +6% 2Q 21 -22% 3Q 21 +13% 4Q 21 Fees from banking services Other income Non-Funded income FY 20 (5) مصرف الإنماء alinma bank +48% 81 1,530 272 Fees from banking services +16% Exchange income -2% Investment gains/dividends +204% Other income +734% Non-Funded income FY 21 Fees from Banking Services Composition (SARmn) Card services 25% Brokerage fees 53% 1,085 11% Trade finance services 11% Fund management & other fees Management Commentary ■ Non-funded income for 4Q 2021 decreased 6% YoY to SAR 373mn from a fall in fees from banking services and other income driven by higher investment gains/dividends. Non-funded income for 2021 increased 48% YoY to SAR 1,530mn from growth in fees from banking services (+16%) and higher investment gains/dividends (+204%). Fund management & other fees make up the majority of fee income at 53%, while 25% comprises of card service fees, 8% brokerage fees and 8% trade finance service fees. 4Q 2021 INVESTOR PRESENTATION 29/48

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