4Q 2021 Investor Presentation

Guidance Improving economic outlook and acceleration of strategic execution drive a promising outlook for 2022 مصرف الإنماء alinma bank 2021A Drivers 2022G Balance Sheet Financing Growth +14% Strong Mid-Corp, SME & Retail growth from strategic initiatives; solid corporate growth from expected credit demand Mid-teens Net Profit Margin 3.42% Rising rates and strong funding mix supportive of improving margin +10bps to +15bps Profitability Cost to Income Ratio 35.5% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 35% Return on Equity 10.8% Improving NPM, efficiency and COR driving improving Above 13% ROE Asset Quality Cost of Risk 1.02% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 65-75bps Capital 4Q 2021 INVESTOR PRESENTATION CET1 18.2% Increasing RWAs from strong expected financing growth 16%-17% 45/48

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