2Q 2023 Investor Presentation

P&L Trends Net income for 1H 2023 grew by 25% YoY due to 23% income growth Management Commentary ■ Net income for 1H 2023 grew 25% YoY to SAR 2,195mn from 23% income growth. 15% higher operating expenses YoY. 2Q 2023 net income improved 32% YoY driven by 26% increase in income. Net Income Movement YoY (SARmn) +25% 869 7 1,750 SAR (mn) (199) (185) مصرف الإنماء alinma bank (51) 2,195 1H 2023 1H 2022 A% 2Q 2023 2Q 2022 A% Net income Funded 1H 22 income Non-funded Operating Impairments Associate & income Expenses JV Zakat Net income 1H 23 Funded income 3,594 2,725 +32% 1,860 1,413 +32% Non-Funded income 1,022 1,015 +1% 577 519 +11% Total operating income 4,616 3,740 +23% 2,437 1,932 +26% Operating Income Composition (SARmn) Operating Expenses 1,504 1,306 +15% 747 663 +13% Net operating income before impairment 3% 4% 0% Funded income 3,112 2,434 +28% 1,690 1,269 +33% charge 15% Impairments 668 483 +38% 325 240 +36% Net operating income 2,444 1,951 +25% 1,365 1,029 +33% Income before zakat & income tax 2,447 1,951 +25% 1,366 1,031 +32% Zakat 252 201 +25% 141 106 +32% 4,616 Fees from banking services Investment gains/dividends Exchange income 78% Other operating income Net income 2,195 1,750 +25% 1,225 925 +32% 2Q 2023 INVESTOR PRESENTATION 23/48

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