4Q 2021 Investor Presentation

Segmental Performance - Retail Income growth from significant increases in non-funded income along with solid financing growth مصرف الإنماء alinma bank SAR (mn) FY 2021 FY 2020 A% Retail NPL (%) 4Q 2021 4Q 2020 A% 1.2% 1.1% 1.0% Income from investments and financing, net 2,265 2,323 -3% 539 563 -4% 0.8% Fees from services & other income 444 303 +46% 126 175 -28% 0.6% Total operating income 2,709 2,627 +3% 666 738 -10% 0.4% Total operating expenses 1,638 1,482 +11% 468 376 +24% 0.2% Total charges/(reversals) for (125) 250 -150% (4) 139 -103% 0.0% impairments FY 20 1Q 21 1H 21 9M 21 FY 21 Income for the period before zakat 1,195 895 +33% 202 222 -9% Retail Deposits (SARbn) Retail Financing (SARbn) -2% +16% 83.3 83.5 86.5 77.3 81.8 25.9 26.4 26.7 28.0 24.2 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 QoQ +0% +4% -11% +6% QoQ +7% +2% +1% +5% 4Q 2021 INVESTOR PRESENTATION 0.5% Management Commentary ■ Retail operating income increased by 3% to SAR 2,709mn in 2021 from a strong increase in non- funded income of 46%. ■ Retail net income grew 33% due to higher non- funded income and an impairment reversal. ■ Retail deposits declined 2% while financing increased by 16% during 2021. ■ The retail NPL ratio declined to 0.5%. 39/48

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