3Q 2023 INVESTOR PRESENTATION

P&L Trends Net income for 9M 2023 grew by 28% YoY due to 23% income growth Management Commentary ■ Net income for 9M 2023 grew 28% YoY to SAR 3,519mn from 23% income growth. 12.6% higher operating expenses YoY. ■ 3Q 2023 net income improved 34% YoY driven by 22% increase in income. Net Income Movement YoY (SARmn) 1,202 140 2,739 +28% SAR (mn) (255) (227) مصرف الإنماء alinma bank 10 3,519 (90) 9M 2023 9M 2022 A% 3Q 2023 3Q 2022 A% Net income Funded 9M 22 income Non-funded Operating Impairments Associate & Zakat income Expenses JV Net income 9M 23 Funded income 5,600 4,399 +27% 2,006 1,674 +20% Non-Funded income 1,557 1,417 +10% 535 402 +33% Total operating income 7,157 5,815 +23% 2,541 2,075 +22% Operating Income Composition (SARmn) Operating Expenses 2,270 2,015 +13% 766 710 +8% Net operating income before impairment 3% 4% Funded income 4,887 3,800 +29% 1,775 1,366 +30% charge 15% Impairments 974 748 +30% 306 264 +16% Net operating income 3,913 3,053 +28% 1,469 1,102 +33% 7,157 Fees from banking services Investment gains/dividends Income before zakat & income tax 3,923 3,054 +28% 1,476 1,103 +34% Zakat 405 315 +28% 152 114 +34% 78% Exchange income Net income 3,519 2,739 +28% 1,324 989 +34% 3Q 2023 INVESTOR PRESENTATION 23/48

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