1Q 2022 INVESTOR PRESENTATION

Segmental Performance - Retail Strong financing and deposit growth while income saw a decline of 7% SAR (mn) 1Q 2022 4Q 2021 A% 1Q 2021 A% Retail NPL (%) 0.8% مصرف الإنماء alinma bank Income from investments and financing, net 0.6% 570 539 +6% 574 -1% Fees from services & other income 57 126 -55% 102 -44% 0.4% Total operating income 628 666 -6% 677 -7% 0.2% Total operating expenses 380 468 -19% 381 -0% Total charges/(reversals) for impairments (29) (4) +568% (55) -48% 0.0% 1Q 21 1H 21 9M 21 FY 21 1Q 22 Income for the period before zakat 276 202 +37% 351 -21% Retail Deposits (SARbn) Retail Financing (SARbn) +9% +19% 83.5 86.5 91.0 30.8 77.3 81.5 25.9 26.4 26.7 28.0 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 QoQ +4% -11% +5% +12% QoQ +2% +1% +5% +10% 1Q 2022 INVESTOR PRESENTATION 0.6% Management Commentary ■ Retail operating income decreased by 7% YoY to SAR 628mn from declines in both non-funded income of 44% and funded income by 1%. ■ Retail net income fell by 21% YoY due to lower income. ■ Retail deposits increased 9% while financing increased by 19% during 1Q 2022. ■ The retail NPL ratio declined to 0.6%. 40/49

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