2Q 2022 INVESTOR PRESENTATION

Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 7% YoY SAR (mn) Retail NPL (%) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% 0.8% مصرف الإنماء alinma bank Income from investments and financing, net 0.6% 1,222 1,158 +6% 652 584 +12% Fees from services & other income 153 123 +24% 94 21 +342% 0.4% Total operating income 1,375 1,281 +7% 747 605 +23% Total operating expenses 724 645 +12% 344 266 +29% 0.2% Total charges/(reversals) for 44 (88) +150% 73 (33) +323% impairments 0.0% Income for the period before zakat 606 724 -16% 330 372 -11% 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 Retail Deposits (SARbn) +13% Retail Financing (SARbn) +17% 91.0 92.0 30.8 32.9 86.5 77.3 81.5 26.4 26.7 28.0 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ -11% +5% +12% +1% QoQ +1% +5% +10% +6% 2Q 2022 INVESTOR PRESENTATION 0.6% Management Commentary ■ Retail operating income rose by 7% YoY to SAR 1,375mn from 6% increase in funded income and a 24% increase in non-funded income. ■ Retail net income fell by 16% YoY due to a 150% rise in impairments and a 12% increase in operating expenses YoY. ■ Retail deposits increased 13% while financing increased by 17% during 1H 2022. ■ The retail NPL ratio rose during 1H 2022 to 0.6%. 39/50

View entire presentation