4Q 2021 Investor Presentation

Segmental Performance - Treasury Significant income and net income growth and modest growth in assets YoY SAR (mn) FY 2021 FY 2020 A% 4Q 2021 4Q 2020 A% Investments (SARbn) +13% مصرف الإنماء alinma bank Income from investments and 675 576 +17% 184 167 +10% financing, net Investment-related income 138 (133) +204% (9) (1) -566% 29.5 30.7 31.9 33.3 28.8 Fees from services & other income 237 211 +13% 105 38 +179% Total operating income 1,051 654 +61% 280 203 +38% Total operating expenses 237 186 +27% 72 52 +38% Total charges/(reversals) for (15) +117% (0) -231% impairments Net operating income 811 483 +68% 208 152 +37% Share of loss from an associate and 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 joint venture (14) 5 -412% (6) 3 -306% Income before Zakat 797 487 +63% 202 155 +31% QoQ -2% +7% +4% +4% Treasury Assets (SARbn) +2% 44.7 41.7 43.0 44.1 45.7 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 QoQ -7% +3% +2% +4% 4Q 2021 INVESTOR PRESENTATION Management Commentary ■ Treasury operating income rose by 61% to SAR 1,051mn in 2021 from strong rebounds in both funded (+17%), investment-related (+204%) and non-funded income (+13%) YoY. ■ This strong income growth drove a 63% improvement in net income YoY. Treasury assets rose modestly by 2% to SAR 45.7bn YoY, while the investment portfolio grew 13% YoY to SAR 33.3bn. 41/48

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