1Q 2023 Investor Presentation

Guidance Acceleration of strategic execution drives a promising outlook for 2023 1Q 2023A Drivers مصرف الإنماء alinma bank 2023G Balance Sheet Financing Growth +19% YoY Strong Mid-Corp, SME & Retail growth from strategic initiatives; pick up in corporate financing Mid teens Net Profit Margin 3.80% +49bps YoY Rising rates and funding mix supportive of improving margin +35bps to +45bps Profitability Cost to Income Ratio 34.8% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 32% Return on Equity 14.1% Improving NPM, efficiency and COR driving improving Above 17% ROE Asset Quality Cost of Risk 0.88% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 60-70bps Capital CAR Pillar 1 1Q 2023 INVESTOR PRESENTATION 19.1% Increasing RWAs from strong expected financing growth Return on Equity Target for 2025 above 18% 17%-18% 44/48

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