3Q 2022 Investor Presentation

Guidance 2022 outlook remains promising. Revised guidance for financing growth 9M 2022A Drivers Balance Sheet Financing Growth +15% YoY Strong Mid-Corp, SME & Retail growth from strategic initiatives; pick up in corporate financing مصرف الإنماء alinma bank 2022G High teens (Revised from low teens) Net Profit Margin 3.59% +14bps YoY Rising rates and funding mix supportive +20bps to +25bps of improving margin Profitability Cost to Income Ratio 34.7% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 35% Return on Equity 14.0% Improving NPM, efficiency and COR driving improving Above 13% ROE Asset Quality Cost of Risk 0.74% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 65-75bps Capital 3Q 2022 INVESTOR PRESENTATION CET1 16.0% Increasing RWAs from strong expected financing growth 16%-17% ↑ I 44/50

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