Investor Presentaiton

Net Profit Margin Lower financing and investment yields contributed to a 22bps lower profit margin YoY Average Balance of Investments & Financing (SARbn) Net Profit Margin Movement YoY (%) +10% 139.2 143.2 131.2 148.7 152.7 3.66% 105.3 109.5 116.2 120.3 122.5 -21bps مصرف الإنماء alinma bank 0.35% 3.45% -0.03% -0.53% 25.9 29.7 27.0 28.4 30.1 QoQ 3Q 20 +6% 4Q 20 +3% 1Q 21 +4% 2Q 21 +3% 3Q 21 Net profit margin 9M 20 Investments yield Financing yield COF rate Net profit margin 9M 21 Net Profit Margin (%) SAIBOR: 3M Average Trend (%) 1.0% 0.92% 4.0% 3.8% 3.66% 0.9% 3.61% 0.9% 3.6% 3.45% 3.41% 0.84% 0.81% 0.79% 0.80% 3.36% 0.8% 3.4% 0.8% 3.2% 0.7% 3.0% 9M 20 FY 20 1Q 21 1H 21 9M 21 9M 20 FY 20 1Q 21 1H 21 9M 21 3Q 2021 INVESTOR PRESENTATION Management Commentary ■ The net profit margin decreased by 21bps YoY to 3.45% in 9M 2021 aligned with a continued decline in SAIBOR rates YoY impacting financing yields. ■ The decline in profit margin was however partly offset by a 36bps reduction in funding costs. 24/41

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