3Q 2021 Investor Presentation

P&L Trends Net income for 9M 2021 grew by 33% YoY due to 22% income growth Management Commentary ■ Net income for 9M 2021 grew 33% YoY to SAR 2,090mn from 22% income growth despite a 26% increase in impairments and 9% higher operating expenses ■ 3Q 2021 net income improved 17% YoY to SAR 738mn driven by 16% increase in income partially offset by a 19% increase in impairments. SAR (mn) Net Income Movement YoY (SARmn) +33% 519 394 1,572 مصرف الإنماء alinma bank 2,090 (139) (197) (10) (50) 9M 2021 9M 2020 A% 3Q 2021 3Q 2020 A% Net income 9M 20 Funded income Non-Funded Operating Impairments Associate & income Expenses JV Zakat Net income 9M 21 Funded income 3,828 3,434 +11% 1,393 1,185 +17% Non-Funded income 1,157 638 +81% 331 295 +12% Total operating income 4,985 4,072 +22% 1,724 1,480 +16% Operating Income Composition (SARmn) Operating Expenses 1,681 1,542 +9% 618 537 +15% Net operating income before 3% 0.4% 3% Funded income 3,304 2,529 +31% 1,106 942 +17% impairment charge Fees from services Impairments 965 768 +26% 279 234 +19% 17% Net operating income 2,339 1,761 +33% 827 709 +17% 4,985 Exchange income Income before zakat & income tax 2,331 1,762 +32% 823 715 +15% Investment gains/dividends Zakat 240 190 +26% 85 86 -1% 77% Other income Net income 2,090 1,572 +33% 738 629 +17% 3Q 2021 INVESTOR PRESENTATION 19/41

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