1Q 2023 INVESTOR PRESENTATION

NPL Coverage NPL coverage decreased YoY Stage-Wise Financing, Gross (SARbn) +18% 133.0 135.1 143.7 150.5 157.2 3.3 2.4 2.9 2.7 2.6 7.8 8.5 9.0 8.9 8.9 121.4 123.6 132.3 139.1 146.0 QoQ 1Q 22 +2% 2Q 22 +6% 3Q 22 +5% 4Q 22 +4% 1Q 23 Stage 1 Stage 2 Stage 3 NPL Coverage Ratio (%) 300% Stage-Wise Coverage (%) مصرف الإنماء alinma bank Stage-Wise Financing, Gross Composition (SARbn) 5% 2% C 157.2 75% 62.1% 58.4% 56.1% 56.8% 52.2% 55% 200% 150.0% 150.1% 155.5% 136.3% 121.5% 35% 100% 15% 19.2% 19.4% 18.9% 19.3% 19.4% 0% 0.5% 0.5% 0.5% 0.5% -5% 0.5% 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 ■Stage 1 ■Stage 2 Stage 3 1Q 2023 INVESTOR PRESENTATION Stage 1 Stage 2 Stage 3 93% Management Commentary ■ NPL coverage decreased by 28.5ppts YoY to 121.5%. Stage 1 coverage remained stable YoY at 0.5%. Stage 2 coverage slightly increased, while the stage 3 coverage trend was impacted by write- offs during 1Q 2023. 33/48

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