3Q 2022 Investor Presentation

Impairments for Financing Cost of risk for 9M 2022 declined by 33bps from 21% lower credit impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) -2% 279 289 273 241 248 3Q 21 4Q 21 1Q 22 QoQ +4% -17% 2Q 22 +3% Impairments Allowance Composition 3Q 22 +10% Cost of Risk (%) 2.00% (SARmn) 15% 1.50% Retail 1.07% 1.00% 85% 3,737 Corporate 0.50% 3Q 2022 INVESTOR PRESENTATION -21% 963 9M 21 مصرف الإنماء alinma bank 762 9M 22 0.74% Management Commentary ■ 9M 2022 impairment charge for financing decreased by 21% YoY to SAR 762mn. ■ Cost of risk for 9M 2022 improved by 33bps YoY to 0.74%. 0.00% 9M 21 FY 21 1Q 22 1H 22 9M 22 31/50

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