1Q 2023 Investor Presentation

Segmental Performance - Corporate Strong income growth and lower impairments translate to significant net income growth YoY SAR (mn) 1Q 2023 4Q 2022 A% 1Q 2022 A% Financing, Gross Composition (SARbn) 18% Income from investments and financing, net 709 802 -12% 495 +43% 29% Fees from services & other income 119 116 +3% 87 +36% 117.0 15% Total operating income 828 917 -10% 583 +42% Total operating expenses 201 157 +28% 155 +30% 8% 12% Total charges/(reversals) for impairments 11 208 -95% 270 -96% 9% 9% Income for the period before zakat 616 553 +12% 158 +291% Corporate Deposits (SARbn) +38% Corporate Financing (SARbn) +15% 28.4 24.4 23.7 23.7 102.1 102.2 107.9 113.2 117.0 20.6 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 QoQ +18% -3% +0% +20% QoQ +0% +6% +5% +3% 1Q 2023 INVESTOR PRESENTATION مصرف الإنماء alinma bank Real Estate Services Government Commerce Manufacturing Building & construction Other Management Commentary ■ ☐ Corporate operating income rose by 42% YoY to SAR 828mn from 43% increase in funded income and a 36% increase in non-funded income. This income growth, together with lower impairments, translated to 291% net income growth despite a 30% rise in operating costs. Corporate financing rose by 3% during 1Q 2023 while corporate deposits increased 20%. ■ The corporate NPL ratio decreased 0.2ppts YoY to 2.2%. 40/48

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