2Q 2023 Investor Presentation

Impairments for Financing Cost of risk for 1H 2023 increased by 10bps from 35% higher credit impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) +31% 436 337 326 273 248 2Q 22 QoQ 3Q 22 +10% 4Q 22 +60% 1Q 23 -23% Impairments Allowance Composition 2Q 23 -3% Cost of Risk (%) (SARmn) 2% 21% Retail 2% 79% 4,081 2Q 2023 INVESTOR PRESENTATION 1% Corporate 0.74% 1% 489 1H 22 مصرف الإنماء alinma bank +35% 663 1H 23 0.84% Management Commentary ■ 1H 2023 impairment charge for financing increased by 35% YoY to SAR 663mn. ■ Cost of risk for 1H 2023 increased by 10bps YoY to 0.84%. ■ 79% of impairment allowance in 1H 2023 pertains to corporate and 21% is for retail financing. 0% 1H 22 9M 22 FY 22 1Q 23 1H 23 31/48

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