4Q 2022 INVESTOR PRESENTATION

Impairments for Financing Cost of risk for FY 2022 declined by 17bps from 4% lower credit impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) +51% 436 289 273 241 248 4Q 21 1Q 22 2Q 22 QoQ -17% +3% 3Q 22 +10% Impairments Allowance Composition 4Q 22 +60% Cost of Risk (%) (SARmn) 2% 19% Retail 2% 1% 1.02% 3,981 Corporate 1% 81% 4Q 2022 INVESTOR PRESENTATION مصرف الإنماء alinma bank -4% 1,252 1,198 FY 21 0.85% 0% FY 21 1Q 22 1H 22 9M 22 FY 22 FY 22 Management Commentary ■ FY 2022 impairment charge for financing decreased by 4% YoY to SAR 1,198mn. ■ Cost of risk for FY 2022 improved by 17bps YoY to 0.85%. ■ The 4Q 2022 impairment charge for financing increased by 60% QoQ due to stage movement for some corporate accounts and increase in retail impairment charges. 31/49

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