4Q 2022 INVESTOR PRESENTATION

P&L Trends مصرف الإنماء alinma bank Net income for 9M 2022 grew by 31% YoY due to 17% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 9M 2022 grew 31% YoY to SAR 2,739mn from 17% income growth and a 23% decrease in impairments despite 20% higher operating expenses YoY. +33% FY 2022 FY 2021 A% 377 926 ■ 3Q 2022 net income improved 34% YoY driven by 21% increase in income and a 5% decrease in impairments. 2,709 SAR (mn) 78 18 3,599 (407) (102) 4Q 2022 4Q 2021 A% Net income Funded FY 21 income Non-funded Operating Impairments Associate & Zakat income Expenses JV Net income FY 22 Funded income 6,066 5,140 +18% 1,668 1,309 +27% Non-Funded income 1,897 1,519 +25% 480 371 +29% Total operating income 7,963 6,660 +20% 2,148 1,680 +28% Operating Income Composition (SARmn) Operating Expenses 2,765 2,358 +17% 750 682 +10% 4% 1% Funded income Net operating income before impairment 4% 5,198 4,302 +21% 1,398 998 +40% charge Impairments 1,189 1,266 -6% 441 301 +46% 15% Net operating income 4,009 3,036 +32% 957 697 +37% 7,963 Income before zakat 4,013 3,022 +33% 959 691 +39% Fees from banking services Investment gains/dividends Exchange income Zakat 414 312 +33% 99 72 +38% 76% Other income Net income 3,599 2,709 +33% 860 619 +39% 4Q 2022 INVESTOR PRESENTATION 23/49

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