4Q 2021 Investor Presentation

Strategy Progress Update Driving changes across the businesses and bank-wide 2021-2025 Strategic Ambitions Digital Fast Build digital factory and apply latest available technologies - Advanced Analytics (AA), Al and Big Data Improve processes and speed to market > Convenient Enhance customer convenience and experience 2021 Achievements Digital function created; Chief Digital Officer hired +70 digital zones deployed Digital factory operating model finalized ■ +8 new AA cases; +8 Ops RPAS ■ Reduced turnaround time on Personal Finance by 50% and reduced to 9 days for Home ■ 41% Agile IT Projects Delivery Simplified Corporate Credit process with improved turnaround by +30% ■ New operating model for PB & Affluent ■+13 new branches, +55 ATM sites Revolving credit card established Mid-Corp & GTB units established ■ SME portfolio increased financing مصرف الإنماء alinma bank 2022 Initiatives In-Progress Empower Digital Enablement team to accelerate digitalization Expand digital investment and savings products and cross-sell investment products ■ Establish AA Centre of Excellence ■ Continue enhancement of digital journeys and app functionality, and increase cross- sell ■ Upgrade systems support for new Treasury processes Strengthen customer acquisition partnerships Adjust client coverage models ■ Enhance family account, Youth and Affluent ecosystems and programs Total 4Q 2021 INVESTOR PRESENTATION 66 Initiatives 23/66 Initiatives Completed 35% 39/66 Planned to Complete 59% 10/48

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