1Q 2023 INVESTOR PRESENTATION

Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 51% YoY SAR (mn) Retail NPL (%) 1Q 2023 4Q 2022 A% 1Q 2022 A% 2.0% مصرف الإنماء alinma bank 1.9% 1.6% Income from investments and financing, net 885 859 +3% 569 +55% 1.2% Fees from services & other income 64 98 -35% 58 +9% 0.8% Total operating income 949 957 -1% 628 +51% 0.4% Total operating expenses 395 451 -12% 357 +11% 0.0% Total charges/(reversals) for impairments 326 226 +45% (29) +1237% 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 Income for the period before zakat 227 280 -19% 299 -24% Retail Deposits (SARbn) +12% Retail Financing (SARbn) +30% 91.0 92.0 91.1 97.1 102.1 30.8 32.9 35.9 37.3 40.2 Management Commentary ■ Retail operating income rose by 51% YoY to SAR 949mn from 55% increase in funded income and a 9% increase in non-funded income. ■ Retail net income fell by 24% YoY due to a significant increase in impairments and a 11% increase in operating expenses YoY. ■ Retail deposits increased 5% while financing increased by 8% during 1Q 2023. 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 QoQ +1% -1% +7% +5% QoQ +6% +9% +4% +8% ■ The retail NPL ratio increased during 1Q 2023 to 1.9%. 39/48 1Q 2023 INVESTOR PRESENTATION

View entire presentation