#1Investor Presentation 2Q 2022 August 2022 خروج EXIT interactive interactive Interactive مصرف الإنماء alinma bank digital. fast. convenient.#2Table of Contents 1 Alinma Overview 2 Strategy Update 3 4 Historical Financial Performance 1H 2022 Financial Performance 5 Segmental Performance 6 Outlook & Guidance 7 Appendix 2Q 2022 INVESTOR PRESENTATION مصرف الإنماء alinma bank 2/50#3Alinma Overview 2Q 2022 Pay مدى mada 1234 1234 1234 1234 VALID 12/23 CLIENT NAME VISA مصرف الإنماء alinma bank digital. fast. convenient.#4History Alinma Bank was established in 2006 as full-fledged Islamic banking services provider. Est. 2006 2007 - Roy 2008 مصرف الإنماء alinma bank i+A $ 2020 Establishment Alinma was established by Royal Decree by the Public Investment Fund (10%), the Public Pension Agency (10%) and the General Organization for Social Insurance (10%) Young Corporate Bank Alinma began providing Shariah compliant banking services, asset management and brokerage services though its affiliates Publicly Listed Company Alinma launched its IPO and became a publicly listed company on the Saudi stock exchange (Tadawul) Major Capital Increase Alinma increased its capital to SAR 20 billion from SAR 15 billion via stock dividends to fund the next stage of growth 2Q 2022 INVESTOR PRESENTATION 4/50#5Alinma Overview Alinma is the youngest bank in KSA #2 in KSA 22.7% CAR (1Q 2022) 21.8% CAR 14.9m 496K Monthly Average Users Smartphone Daily Average Users #3 in KSA #4 in KSA 3.31% NIM (1Q 2022) 20.7% T1 12.6% ROE (1Q 2022) Retail Digital Snapshot +29.4% Net Income YoY Financial | 0.74% COR 1.90% 150.1% NPL Ratio NPL Coverage 98.8% Digital Transactions 3.40m Position KSA Market Share Customers مصرف الإنماء alinma bank 5.7% Assets (1Q 2022) 6.3% Financing (1Q 2022) 5.8% Deposits (1Q 2022) 5.0% NIB Deposits (1Q 2022) #3 Traded Stock in KSA by Value Traded & #2 by Volume Traded (1H 2022) SAR 45.7 bn Value Traded (1H 2022) Stock Highlights SAR 66.8 bn Market Capitalization (30 June 2022) 15.8% Foreign Ownership (30 June 2022) 10% Owned by Public Investment Fund 2Q 2022 INVESTOR PRESENTATION SOURCE: Bank Financial Statements, Tadawul 5/50#6Management Team Alinma has built an experienced new management team poised to execute its strategy וחו Saleh Abdullah Al Zumaie SVP, Head of Retail & Digital Banking Emad Abdulrahman Al Butairi Head of Corporate Banking Mohammed Sultan Al Sehali Chief Internal Audit Officer 2Q 2022 INVESTOR PRESENTATION Abdullah Ali Al Khalifa Chief Executive Officer (CEO) Abdullah Jamaan Al Zahrani Head of Treasury Hamoud Abdulaziz Al Humaidan Chief Compliance Officer (CCO) مصرف الإنماء alinma bank Meshary Abdulaziz Al Jubair Chief Operating Officer (COO) Eyad Osama Al Othman General Counsel & Board Secretary Fahad Abdulaziz Al Mohaimeed Head of Strategy & Business Excellence Gu Yaser Abdulaziz Al Marshde inn Sharia General Secretary Hisham Abdullah Al Turaigi Chief Credit Officer (CCRO) Abdullah Mohammed Al Salamah Chief Human Capital Officer (CHCO) Adel Saleh Abalkhail Chief Financial Officer (CFO) Meshal Hamad Al Rabiah Chief Risk Officer (CRO) 6/50#7Strategy Update 1158< 2Q 2022 Lean My سداد 0 U 7512 SAR OSM -1 11a SA 1660 201 satst مصرف الإنماء alinma bank digital. fast. convenient.#8Strategic Positioning Alinma Bank's strategic positioning cascades down into each business strategy Excellence Shariah Compliance Digital 2Q 2022 INVESTOR PRESENTATION Corporate Retail Treasury Segment wise Bank wide Be recognized and celebrated as the fastest and most convenient bank in KSA مصرف الإنماء alinma bank Be the #1 in Net Promoter Score (NPS) across KSA Banks > Be the #1 Employer of choice across KSA Banks Be the most digitally advanced, fastest, and most convenient Retail bank in KSA Be the Corporate bank with the best customer experience (increasingly integrated) and offer the fastest turnaround time in KSA Be the most innovative Shariah compliant Treasury partner across KSA 8/50#9Strategy Overview Key success factors for Alinma Bank's strategic positioning "Most digitally advanced, fastest, and most convenient bank" digital fast convenient Affluent & HNW #1 NPS Youth Retail Corporate Best UX 40-50% more customers "#1 Employer of choice" across KSA Banks مصرف الإنماء alinma bank "Best customer experience and fastest turnaround time" Large, Mid Corporate Project Finance High-quality SME Trade Finance & Cash Management Digitization Hedging Advanced Analytics DevOps Digital Treasury Investments FI Agile Deployment ALM "Recognized and celebrated as the fastest and most convenient bank" simple excellent innovative 2Q 2022 INVESTOR PRESENTATION 30+ new products "Most innovative Shariah-compliant Treasury partner" 9/50#10Strategy Progress Update Driving changes across the businesses and bank-wide 2021-2025 Strategic Ambitions Digital Fast مصرف الإنماء alinma bank Build digital factory and apply latest available technologies - Advanced Analytics (AA), Al and Big Data Improve processes and speed to market 2Q 2022 Achievements ■ UX Lab was introduced as a best-in-class enabler to empower UX driven approach Digital team co-located to a dedicated digital floor to support all digital activities for seamless working and enhanced collaborative environment Completed 2 additional RPAS ■ Reduced turnaround time on Personal Finance by 40% and by 22% for Home Finance YTD ■ For corporate banking, established an excellence team to enhance the efficiency and productivity of business processes ☐ 2022 Initiatives In-Progress Driving Agile delivery of IT projects Digital team being expanded with requisite skills Improving new digital app under alpha release ■ Continue enhancement of digital journeys and app functionality, and increase cross- sell ■ Continuous improvement in turn-around time for retail customers Convenient Enhance customer convenience and experience ■ Musawama for services & retail sectors launched Mortgage -introduced flexible instalment facility and Sakani platform to avail digital mortgage ■ Launched PoS with OTP for corporate customers ■ Client relationship models for Private and Affluent customers being improved ■ Enhance ecosystems programs for customer convenience Total 2Q 2022 INVESTOR PRESENTATION 74 Initiatives* *1 new initiative added in 2Q 2022 30/74 Initiatives Completed 39/74 Initiatives In Progress 41% 53% 10/50#11Retail Focus on building two customer franchises Focus to date Wealth Segments Acquisition focused on classic segments Future Focus Gold, Platinum, Diamond, and Private segment customers driving majority of deposits Digital capabilities to acquire customers Digitally-savvy Affluent and HNW 2 Digitally-savvy 3 Youth مصرف الإنماء alinma bank Customer experience and operational excellence Alinma Retail Vision Experienced professionals and self-employed Saudis 35-50 year-old customers, in the wealth segment... Drive growth in deposits Young Saudi professionals and University students 18-35 year-old customers, in the wealth segment... Drive growth in Financing Reinvent the experience and improve multi- channel delivery Enhance experience around digital journeys and in-branch services Elevate customer engagement through tailored services and products "Be the most digitally advanced, fastest, and most convenient Retail Bank in KSA" Launch of New Tailored Products New Operating Models and Effective Processes Distribution Expansion Improved Turnaround Time (YTD) Initiatives Completed to Date: Key Achievements 3/18 initiatives completed 17% 2Q 2022 Musawama for Revamped self services & retail sectors +10 +17 -40% -22% Commodity Mortgage Sakani construction Financing for PF & flexible platform to Digital New install- NST for Buyout Off-plan Murabaha REDF avail digital Zones ATMs Personal Finance Home Finance buyout ments mortgage & Musawama & Non REDF 2Q 2022 INVESTOR PRESENTATION 11/50#12Corporate Evolve the bank and diversify across sectors Focus to date Large corporates and project finance Global Transaction 1 Large, mid-corporate & project finance 2 High-quality SME portfolio 3 Banking (GTB) - Cash & Trade Management مصرف الإنماء alinma bank ☐ Alinma Corporate Vision Focused on lending Leveraging Kafalah program Future Focus Drive customer centricity, aligning RMs, product specialists and industry experts Foster Kafalah program lending Build the cross-sell model Revamp commercial processes Tech-enabled front line Enhance product & Extend SME portfolio along supply chain related offerings Preferred GTB financial service provider Migrate business partners to GTB solutions for efficiency, productivity and higher profitability Lead in GTB field via innovation and digitalization "Be the Corporate bank with the best customer experience and offer fastest turnaround time in KSA" channel offering in X-Sell categories Integrate digital offering Expanded Mid-Corp Initiatives Completed to Date: Key Segment Achievements +88% 2Q 2022 6/17 initiatives completed 35% 2Q 2022 INVESTOR PRESENTATION Grow SME Portfolio YTD New Products & Centralization Growth in booked assets +153% Growth in Non- funded assets (LG & LC) +42% +20% Signed with aggregator on E-commerce /POS PoS financing Kafalah financing Improved organisational efficiency Launched Pos with OTP Established excellence team to enhance the efficiency and productivity of the business processes 12/50#13Treasury Become core partner for corporate clients and grow Fl franchise Focus to date Liquidity management and stable risk Strong track record with well-managed liquidity profile and investment revenue and stable risk > Future Focus Fl customers serviced well Enhanced financial 1 Derivative products 2 institutions franchise 3 مصرف الإنماء alinma bank High Quality Asset Liability Management Alinma Treasury Vision Grow product portfolio to provide holistic value proposition to clients Drive Customer centricity to facilitate bank-level alignment and improved cross-sell revenues Fls represent important source to diversify funding and show continued interest into KSA investments Grow deposits and long term liabilities on one side and term assets on the other to maintain a healthy balance sheet Continue to focus on liquidity and stable funding ratios "Be the most innovative Shariah compliant Treasury partner across KSA" +18bn +3 banks Expansion of Products and Volumes Increased FI Coverage Initiatives Completed to Date: Key Achievements 7/12 initiatives completed 2Q 2022 58% Expanded Derivatives customer base FX transaction volumes Correspondent Fls added globally Investment Base Enhancement +1.9bn Enhanced investment book Upgrade Treasury system to add more products New Treasury system Design completed, build stage progressing well 2Q 2022 INVESTOR PRESENTATION 13/50#14Digital Build Digital to scale customer experience and operational excellence across the bank Focus to date Driving digital capabilities World-Class Digital Capabilities 2 Improve Operating Model 3 Drive Operational Excellence مصرف الإنماء alinma bank Alinma Vision Pursuing initiatives across Advanced Analytics and Big Data, Al and RPA Future Focus Projects are driven by Agile ways of working Augment digital work force with best in class talents and upskill digital teams by establishing digital training e-academy Accelerate digitization Deliver with speed, quality and efficiency Progress on Advanced Analytics while building new capabilities Reinvent the customer experience and improve multi-channel capabilities Leverage the ecosystem to create innovative and unique propositions Improve ways of working, e.g. Agile delivery, DevOps, etc. Establish the digital factory to power rapid delivery and foster innovation Improve efficiency through digitization of services and products Automate internal processes using robotics to enhance turnaround times. "Be recognized and celebrated as the fastest and most convenient bank in KSA" Project Delivery Initiatives Completed to Date: Key Achievements +45% 7/17 initiatives completed 2Q 2022 Agile IT Projects Delivered Opening of Digital floor Alpha release for new app 41% 2Q 2022 INVESTOR PRESENTATION New Models & Digital Factory Updates Operations efficiency improvement +2 Operations RPAs completed UX & UI Improvements UX Lab was introduced as a best-in-class enabler to empower UX driven approach 14/50#15Human Capital Fostering a great working environment and being the cultural transformation champions in the organization مصرف الإنماء alinma bank Focus to date Hiring and training activities Drive cultural change agenda 2 Grow capabilities across the bank Organizing Alinma for Alinma 3 success Human Capital Vision > Improve Work Environment Future Focus Cascade new strategy to organization and embed in communication Female Empowerment Hire Top Talent Measure and improve employee engagement/ organizational health Regularly celebrate success stories Hire top talent including new capabilities (i.e. data science) Continuously develop capabilities through learning Develop rotational programs, new career path to foster innovation Adjust working model based on new requirements Implement agile forms of organization in future Digitalize and streamline HC processes "Be the #1 Employer of choice across KSA Banks" Increased Employee Increased Training & Key Placements Continuous Improvement Workforce +4 94.38% +2% Provided 4,460 All strategic Organizational Appreciation from Saudization structures redesigned Ministry of HRSD for Saudization rate Female hiring Initiatives Completed to Date: Engagement Key Achievements 209 +3 7/9 initiatives completed 2Q 2022 78% Employees awarded Conducted social initiatives training days To date positions placed 2Q 2022 INVESTOR PRESENTATION 15/50#16Historical Financial Performance 10:00 له M 9:59 + إضافة رصير 8500.75 طلب التحويل مدفوعات مدار COD AlinmaPay 401 Pay مصرف الإنماء alinma bank الرصيد تدوري إلى shase المدفوعات الحكومية تدويل ويسترن تحويل محلي العمليات السارقة عوى الكل 200 ريال شراء من خلال نقاط البيع شراء من خلال 100 ريال المحادثات. 。 الرئيسية البطاقة المطريات digital. fast. convenient.#17Balance Sheet Track Record Solid history of strong balance sheet momentum... Total Assets (SARbn) +11% CAGR Financing (SARbn) +12% CAGR مصرف الإنماء alinma bank Customers' Deposits (SARbn) +8% CAGR 173.5 156.9 126.3 119.5 121.1 111.2 114.8 121.5 131.8 94.8 79.1 83.9 89.1 90.1 102.1 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 YOY +6% +8% +19% +11% YOY +6% +13% +17% +14% YOY +1% +13% +17% +1% NPL Ratio (%) 3.00% 2.00% 1.00% Liquidity (%) 200% 150% 1.8% 100% 50% Capitalization (%) 25% 23% 134.1% 111.7% 20% 85.8% 18% 0.00% 0% 15% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 CET1 ratio 2019 2020 2021 .T1 ratio CAR LDR SAMA Ratio .NSFR LCR 2Q 2022 INVESTOR PRESENTATION 22.8% 21.6% 18.2% 17/50#18P&L Track Record ...translating to consistently strong top-line growth and solid profitability Total Operating Income (SARmn) Total Operating Expenses (SARmn) Net Income (SARmn) مصرف الإنماء alinma bank +11% CAGR +11% CAGR +8% CAGR 6,663 3,484 3,628 2,857 5,610 5,682 2,535 2,709 4,373 4,845 2,783 2,356 2,322 2,011 1,966 YOY 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 +11% +16% +1% +17% YOY -1% +20% +25% +4% YOY +42% -11% -22% +38% Net Profit Margin (%) 6% Cost To Income Ratio (%) Cost of Risk (%) 1.50% 42.0% 40.0% 1.00% 4% 3.77% 38.0% 3.42% 36.0% 35.5% 0.50% 2% 34.0% 0.43% 32.0% 0.00% 0% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 Net profit margin Yield rate COF rate *2021 income and expense number are adjusted to reflect certain classification taken place in 2Q 2022 2Q 2022 INVESTOR PRESENTATION 1.02% 18/50#191H 2022 Financial Performance 2Q 2022 مصرف الإنماء ) alinma bank Banking Kiosk مصرف الإنماء alinma bank digital. fast. convenient.#202Q 2022 Balance Sheet Highlights Balance sheet growth from financing and investments growth funded mainly from CASA Total Assets (SARbn) Total Liabilities (SARbn) Total Equity (SARbn) مصرف الإنماء alinma bank +6% +7% +2% 164.1 166.8 173.5 179.5 184.6 138.9 136.6 142.8 148.0 153.2 30.2 30.7 31.5 31.5 25.2 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ +2% +4% +3% +3% QoQ -2% +4% +4% +3% QoQ +20% +2% +3% -0% 2Q 22 Financing 2Q 22 Customers' Deposits 2Q 22 CASA Deposits SARbn 2Q 22 CASA % of Total Deposits 2Q 22 LDR SAMA Ratio 2Q 22 CAR 130.4 92.4 70.9% 82.8% SARbn SARbn YTD +8% YTD +16% YTD +5.1ppts YTD -3.1ppts YTD 131.2 +4% 2Q 2022 INVESTOR PRESENTATION 21.8% -1.0ppts YTD 20/50#212Q 2022 P&L Highlights Net income for 1H 2022 grew by 29% YoY from 15% income growth and lower risk cost Total Operating Income (SARmn) Total Operating Expenses (SARmn) +17% +5% مصرف الإنماء alinma bank Net Income (SARmn) +30% 1,932 985 1,653 1,724 1,682 1,808 925 861 897 886 903 825 710 738 619 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ +4% -2% +7% +7% QoQ +4% +10% -10% +2% QoQ +4% -16% +33% +12% 1H 22 Funded Income 1H 22 Non-Funded Income 1H 22 Net Income 1H 22 Net Profit Margin 1H 22 Cost to 1H 22 ROE Income Ratio SARmn 1,015 SARmn 1,750 3.42% 34.9% YOY +24% YOY +29% YoY +5bps YOY +2.4ppts YoY SARmn 2,725 +12% 2Q 2022 INVESTOR PRESENTATION 13.4% +252bps YoY 21/50#22Balance Sheet Trends Balance sheet growth of 6% from increase in financing and investments Management Commentary ■ Growth in total assets of 6% YTD mainly driven by 4% financing growth and 13% growth in investments. ■ Total liabilities grew by 7% during 1H 2022 mainly from a 8% rise in customers' deposits. Total Assets Movement YTD (SARbn) 173.5 1.9 4.4 +6% SAR (mn) 4.9 مصرف الإنماء alinma bank (0.1) 184.6 2Q 2022 4Q 2021 A% 2Q 2021 A% Total assets 4Q 21 Cash, interbank & SAMA +19% Investments Financing Other Total assets 2Q 22 +13% +4% -3% Cash, interbank & SAMA balances 11,803 Investments 37,723 Financing 131,193 9,915 33,278 126,271 Other assets 3,903 Total assets 184,622 Due to SAMA, banks & other Fl 15,452 Customers' deposits Other liabilities Total liabilities 130,376 7,327 153,155 Share capital 20,000 4,012 173,476 15,240 121,061 6,465 142,765 20,000 Retained earnings 5,329 3,586 +19% 10,318 +14% +13% 30,699 +23% +4% 119,623 +10% -3% 3,417 +14% +6% 164,057 +13% +1% 7,625 +103% +8% 125,878 +4% +13% 5,355 +37% +7% 138,858 +10% +0% 20,000 +0% +49% Total Liabilities Movement YTD (SARbn) +7% 142.8 0.2 9.3 0.9 153.2 4,536 +17% Other reserves 1,138 2,125 -46% 663 +72% Total liabilities Tier 1 sukuk 5,000 5,000 +0% 4Q 21 Total equity 31,467 30,711 +2% 25,199 +25% Due to SAMA, banks Customers' deposits & other Fl +1% Other Total liabilities 2Q 22 +8% +13% 2Q 2022 INVESTOR PRESENTATION 22/50#23P&L Trends مصرف الإنماء alinma bank Net income for 1H 2022 grew by 29% YoY due to 15% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 1H 2022 grew 29% YoY to SAR 1,750mn from 15% income growth and a 30% decrease in impairments despite 23% higher operating expenses YoY. 195 287 ■ 2Q 2022 net income improved 30% YoY driven by 17% increase in income and a 30% decrease in impairments. 1,352 SAR (mn) (246) +29% 203 4 1,750 (46) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% Net income Funded 1H 21 income Non-Funded Operating Impairments Associate & Zakat income Expenses JV Net income 1H 22 Funded income 2,725 2,438 +12% 1,413 1,231 +15% Non-Funded income 1,015 819 +24% 519 422 +23% Operating Income Composition (SARmn) Total operating income 3,740 3,257 +15% 1,932 1,653 +17% Operating Expenses 1,306 1,060 +23% 663 519 +28% 4% 2% Net operating income before 6% 2,434 2,198 +11% 1,269 1,134 +12% impairment charge Impairments 483 686 -30% 240 342 -30% 15% Net operating income 1,951 1,512 +29% 1,029 792 +30% 3,740 Income before zakat & income tax 1,951 1,508 +29% 1,031 792 +30% 73% Zakat 201 155 +29% 106 82 +30% Net income 1,750 1,352 +29% 925 710 +30% 2Q 2022 INVESTOR PRESENTATION Funded income Fees from banking services Investment gains/dividends Exchange income Other income 23/50#24Financing Increase in gross financing of 4% during 1H 2022 from 17% growth in retail financing Financing, Gross (SARbn) Financing, Gross Movement YTD (SARbn) +4% 123.5 125.5 130.3 133.0 135.1 2.7 130.3 2.2 97.1 98.8 102.3 102.1 102.2 +4% (0.5) مصرف الإنماء alinma bank 0.4 135.1 26.4 26.7 28.0 30.8 32.9 QoQ 2Q 21 +2% 3Q 21 +4% 4Q 21 +2% 1Q 22 +2% 2Q 22 Retail Corporate gross 4Q 21 Total financing, Home financing Personal & other Corporate retail financing SME Total financing, +16% +19% -1% +10% gross 2Q 22 Financing, Gross Composition (SARbn) 76% 135.1 2Q 2022 INVESTOR PRESENTATION Financing, Gross Composition (SARbn) Corporate 12% 24% Retail SME 12% 135.1 Home financing 3% Non-retail 73% Personal & other retail financing Management Commentary ■ Gross financing grew 4% during 1H 2022. ■ Retail financing grew 17% YTD from strong momentum in home financing (+16%) and ☐ personal & other financing growth (+19%). Corporate financing was stable YTD as a 1% decline in large corporate financing was offset by an 88% rise in mid-corporate and a 10% increase in SME financing. 24/50#25Investments 13% growth in investments YTD from additional investment grade securities Investments (SARbn) +13% Investments Movement YTD (SARbn) +13% مصرف الإنماء alinma bank 37.7 4.1 0.2 0.2 37.7 36.0 30.7 31.9 33.3 33.3 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ +4% +4% +8% +5% Total investments 4Q 21 Sukuk Funds +14% +8% Equities & other +14% Total investments 2Q 22 Investments Composition (SARbn) 7% 0% 25% 37.7 2Q 2022 INVESTOR PRESENTATION Investments Composition (SARbn) Held at amortized cost 5% 6% Held at FVOCI Held at FVSI 68% Associate & JV 37.7 ■Sukuk Funds Equities & other 89% Management Commentary ■ Investments grew 13% during 1H 2022 mainly attributed to additional SAR 4.1bn in corporate sukuk investments. ■ The investment portfolio as at 30 June 2022 comprised of 89% sukuk investments, 6% funds and 5% equities & other investments 25/50#26Deposits Deposit growth of 8% driven by 16% CASA growth Customers' Deposits (SARbn) +8% Customers' Deposits Movement YTD (SARbn) 125.9 128.0 130.4 116.7 121.1 121.1 79.5 75.9 79.7 88.0 92.4 (3.4) +8% مصرف الإنماء alinma bank 12.8 130.4 46.4 40.7 41.4 40.0 38.0 QoQ 2Q 21 -7% 3Q 21 +4% 4Q 21 +6% 1Q 22 +2% 2Q 22 Total customers' deposits 4Q 21 Time CASA Total customers' deposits 2Q 22 Time CASA -8% +16% Customers' Deposits Composition (SARbn) 29% CASA % of Total Deposits (%) 75% 70% Retail 65% 70.9% 68.7% 130.4 65.8% 65.1% ■Non-retail 60% 63.1% 71% 2Q 2022 INVESTOR PRESENTATION 55% 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 Management Commentary ■ Deposits rose by 8% during 1H 2022 as growth in CASA deposits of 16% was partly offset by an 8% decline in time deposits. ■ CASA deposits account for 70.9% of total deposits. ■ Total deposits comprise of 71% retail and 29% non-retail deposits as at 30 June 2022. 26/50#27Income from Financing & Investments Gross funded income grew 15% from 29% growth in investment income and 13% growth in financing income Funded Income, Gross (SARmn) مصرف الإنماء alinma bank Total Funded Income, Gross Movement YoY (SARmn) +21% 1,511 1,653 1,363 1,452 1,474 1,162 1,300 1,232 1,242 1,391 2,714 111 +15% 302 3,127 201 212 220 232 262 QoQ 2Q 21 +11% 3Q 21 -4% 4Q 21 +2% 1Q 22 +12% 2Q 22 Total Funded Income, Gross Investments Financing Investments Financing 1H 21 +29% +13% Total Funded Income, Gross 1H 22 Funded Income, Gross Composition (SARmn) 1% 20% 35% Funded Income, Gross Composition (SARmn) Retail 44% Corporate 3,127 2Q 2022 INVESTOR PRESENTATION Treasury Investments & brokerage 84% 3,127 16% Investments Financing Management Commentary ■ Gross funded income for 1H 2022 increased by 15% YoY to SAR 3,127mn from a 29% increase in funded investment income and a 13% rise in financing income. ■ Gross funded income is attributable to 44% retail, 35% corporate and 20% treasury segments. ■ Income from financing makes up 84% of total gross funded income and income from investments comprises 16%. 27/50#28Net Profit Margin Average balance of investments and financing grew 4%; while net profit margin saw an increase of 5bps YoY Average Balance of Investments & Financing (SARbn) Net Profit Margin (%) مصرف الإنماء alinma bank +4% +5bps 148.7 152.7 156.8 160.7 162.5 3.37% 3.45% 3.42% 3.31% 3.42% 120.3 122.5 125.6 129.7 129.3 28.4 QoQ 2Q 21 30.1 31.2 31.0 33.3 +3% 3Q 21 +3% 4Q 21 +2% 1Q 22 +1% 2Q 22 Investments Financing Net Profit Margin Movement YoY (%) +5bps 3.37% 0.09% 0.09% -0.13% 1H 21 9M 21 FY 21 1Q 22 1H 22 QoQ +8bps -4bps -11bps +11bps SAIBOR: 3M Average Trend (%) 3.0% 3.42% 2.0% 1.39% 0.79% 0.80% 0.90% 1.0% 2.74% 0.0% Net profit margin Investments Financing yield yield 1H 21 9M 21 FY 21 1Q 22 1H 22 COF rate Net profit margin 1H 21 1H 22 *Comparatives are reclassified to align with the 1H 2022 financial statements 2Q 2022 INVESTOR PRESENTATION Management Commentary ■ Average balance of investments and financing grew 4% YTD. ■ The net profit margin increased by 5bps YoY to 3.42%. Average 3M SAIBOR increased 135bps during 2Q 2022 and 195bps YoY as a result of rate hikes during the quarter. 28/50#29Fee and Other Income Non-funded income for 1H 2022 increased by 24% YoY Non-Funded Income (SARmn) Non-Funded Income Movement YoY (SARmn) +23% +24% مصرف الإنماء alinma bank 496 519 106 50 50 422 819 4 36 373 331 225 222 142 73 117 280 259 256 271 297 QoQ 2Q 21 -21% 3Q 21 +13% 4Q 21 +33% 1Q 22 +5% 2Q 22 Fees from banking services Fees from Banking Services Composition (SARmn) 20% 9% 568 10% 2Q 2022 INVESTOR PRESENTATION Other income ■Fund management 34% Card services Brokerage fees Trade finance services Other fees 27% Non-Funded Income 1H 21 1,015 Fees from banking services +1% Exchange income +35% Investment gains/dividends +78% Other income +273% Non-Funded Income 1H 22 Management Commentary ■ Non-funded income for 1H 2022 increased 24% YoY to SAR 1,015mn from improved exchange income, investment gains/dividends and other income. ■ Fund management fees comprise the majority of fee from banking services at 34%, while card service fees account for 27%, other fees for 20% and brokerage and trade finance services fees represent 10% and 9% respectively. 29/50#30Operating Expenses 1H 2022 saw 23% growth in operating expenses YoY mainly from higher employee and G&A costs Operating Expenses (SARmn) Operating Expenses Movement YoY (SARmn) +28% +23% مصرف الإنماء alinma bank 684 519 59 618 642 663 140 1,306 93 13 1,060 327 253 284 266 196 66 63 66 69 61 262 288 291 323 310 QoQ 2Q 21 +19% 3Q 21 +11% 4Q 21 -6% 1Q 22 +3% 2Q 22 Operating Expenses 1H 21 Salaries & employee-related Depreciation & amortization Other G&A Salaries & employee-related +17% Depreciation & amortization Other G&A Operating Expenses 1H 22 +11% +35% Operating Expenses Composition Cost to Income Ratio (%) 34.9% 45% (SARmn) ■Salaries & employee-related 40% 35% 32.5% 41% 49% 30% 1,306 ■Depreciation & amortization 25% 20% Other G&A 10% 15% 1H 21 9M 21 FY 21 1Q 22 1H 22 2Q 2022 INVESTOR PRESENTATION Management Commentary ■ ■ Operating expenses increased 23% YoY to SAR 1,306mn for 1H 2022 mainly due to higher salaries, increased commercial expenses from POS terminal deployments, higher SMS communication costs and a decrease in the input VAT recoverability rate. Higher operating expenses YoY contributed to a 2.4ppt increase in the cost to income ratio from 32.5% to 34.9%. 30/50#31Impairments for Financing Cost of risk for 1H 2022 declined by 41bps from 28% lower credit impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) -26% 337 279 289 241 248 2Q 21 QoQ 3Q 21 -17% 4Q 21 +4% 1Q 22 -17% Impairments Allowance Composition (SARmn) 87% 13% 2Q 22 +3% Cost of Risk (%) 2% 2% Retail 1.15% 1% 3,860 Corporate 1% 2Q 2022 INVESTOR PRESENTATION 684 1H 21 -28% مصرف الإنماء alinma bank 489 1H 22 0.74% Management Commentary ■ 1H 2022 impairment charge for financing decreased by 28% YoY to SAR 489mn. ■ Cost of risk for 1H 2022 improved by 41bps YoY to 0.74%. 0% 1H 21 9M 21 FY 21 1Q 22 1H 22 31/50#32Non-Performing Loans The NPL ratio has improved by 36bps YoY Non-Performing Loans, Gross (SARbn) +13% 2.8 2.9 2.7 2.6 2.3 2.6 2.7 2.1 2.5 2.4 NPL, Gross Movement YTD (SARbn) 2.3 0.1 10 +13% مصرف الإنماء alinma bank 0.2 2.6 0.2 0.2 0.1 QoQ 2Q 21 +2% 3Q 21 -20% 4Q 21 +17% 0.2 1Q 22 0.2 -4% 2Q 22 Total NPL 4Q 21 Retail Corporate Total NPL 2Q 22 Retail Corporate +43% +11% NPL Composition (SARbn) 8% NPL Ratio (%) 3.00% 2.26% 2.27% 2.01% 1.90% 1.75% Retail 2.00% 2.6 1.00% Corporate 92% C 2Q 2022 INVESTOR PRESENTATION 0.00% 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 Management Commentary ■ NPL ratio rose slightly by 15bps to 1.90% during 1H 2022 but has decreased by 36bps YoY. ■ Retail financing, which account for the smaller proportion of NPLs, increased by 43%, while corporate NPLs increased by 11% YTD. ■ The NPL ratio for retail stood at 0.6% while corporate stood at 2.3% as at 2Q 2022. 32/50#33NPL Coverage NPL coverage improved YoY Stage-Wise Financing, Gross (SARbn) +4% 123.5 2.8 125.5 130.3 133.0 135.1 6.9 2.9 6.8 29 2.3 2.7 2.6 9.1 8.9 8.9 113.8 115.8 118.9 121.4 123.6 QoQ 2Q 21 +2% 3Q 21 +4% 4Q 21 +2% 1Q 22 +2% 2Q 22 Stage 1 Stage 2 Stage 3 NPL Coverage Ratio (%) 300% Stage-Wise Coverage (%) 67.1% 75% 61.0% مصرف الإنماء alinma bank Stage-Wise Financing, Gross Composition (SARbn) 62.6% 62.1% 58.4% 55% 177.1% 200% 150.0% 150.1% 139.7% 146.4% 35% 23.0% 24.5% 22.0% 19.2% 19.4% 100% 15% 0% 0.5% 0.5% 0.5% 0.5% 0.5% -5% 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 ■Stage 1 Stage 2 Stage 3 2Q 2022 INVESTOR PRESENTATION 2% 7% 135.1 Stage 1 Stage 2 Stage 3 91% Management Commentary ■ NPL coverage improved 10.4ppts YoY but declined 27.Oppts YTD to 150.1%. Stage 1 coverage remained stable YTD at 0.5%. Stage 3 coverage decreased due to recent movement of some accounts from stage 2 with lower coverage. 33/50#34Capitalization مصرف الإنماء alinma bank Capital grew 2% YTD and capital ratios remained stable while ROE saw an increase of 2.5ppts YoY Total Capital (SARbn) Risk Weighted Assets (SARbn) +2% +7% 32.5 33.1 33.9 33.9 143.5 145.2 145.3 149.2 155.1 27.5 0.8 1.6 1.7 1.7 1.8 3.6 3.4 0.9 0.8 11.6 11.9 10.7 11.0 1.6 30.9 31.4 32.2 32.1 129.2 130.8 133.1 136.8 142.4 25.9 QoQ 2Q 21 +18% 3Q 21 +2% 4Q 21 +2% 1Q 22 -0% 2Q 22 QoQ 2Q 21 +1% 3Q 21 +0% 4Q 21 +3% 1Q 22 +4% 2Q 22 Tier 1 Capital Tier 2 Capital Credit Operational Market Capitalization (%) Profitability (%) 13.4% 25% 15% 21.8% 10.9% 10% 20.7% 20% 19.2% 18.1% 5% 17.4% 1.7% 15% 0% 1H 21 9M 21 FY 21 1Q 22 1H 22 1H 21 9M 21 FY 21 1Q 22 1H 22 CET1 ratio T1 ratio CAR ROAE ROAA 2Q 2022 INVESTOR PRESENTATION 2.0% Management Commentary ■ Total Capital grew2% to 33.9bn YTD while Risk Weighted Assets grew 7% YTD Capitalization ratios fell slightly YTD but still remain higher than levels as at 1H 2021 ■ ROE and ROA saw an increase of 2.5ppts and 30bps respectively YoY 34/50#35Liquidity Alinma's liquidity position is healthy and comfortably within regulatory limits NSFR (%) 115% 111.7% 109.4% 110.1% 110.5% 110% 105.8% 105% 100% LDR SAMA Ratio (%) 95% 90% 86.0% 85% 100% 80% 95% 90% 2Q 21 Leverage Ratio (%) 20% 15.0% 15% 10% 5% NSFR 3Q 21 4Q 21 1Q 22 Regulatory Minimum LCR (%) 75% 2Q 22 2Q 21 139% 16.4% 131% 134% 133% 139% 150% 0% 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 Leverage ratio Regulatory Minimum 2Q 2022 INVESTOR PRESENTATION 100% 3Q 21 4Q 21 LDR SAMA Ratio 100% 50% 3% 0% 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 .LCR Regulatory Minimum مصرف الإنماء alinma bank 1Q 22 - Regulatory Maximum 90% 82.8% 2Q 22 Management Commentary ■ NSFR has improved YoY to 110.5%, comfortably above the regulatory minima of 100%. ■ The LTD SAMA ratio decreased 3.2ppts YoY to 82.8%. ■ The leverage ratio increased 140bps YoY to 16.4%. ■ LCR has remained stable YoY from 2Q 2021 at a level of 139% at 2Q 2022. 35/50#36Segmental Performance 2Q 2022 10:13 ← Прау Sign Up Full Noma Mohamed Mostafa Mobile Number 050000000 ID Number 1234567890 Email [email protected] Password Confirm Password I agree to AlinmaPay Terms of Service Submit عربي مصرف الإنماء alinma bank digital. fast. convenient.#37Segmental Performance Highlights Retail and corporate comprise the majority of segmental income Operating Income Composition (SARmn) 10% Net Profit Before Zakat Composition (SARmn) Retail 37% 21% 3,740 Corporate 32% Customers' Deposits Composition (SARbn) 29% 130.4 2Q 2022 INVESTOR PRESENTATION Treasury Investments & brokerage Retail 13% 22% 1,951 31% 34% Financing, Gross Composition (SARbn) Non-retail 71% 76% 135.1 مصرف الإنماء alinma bank Treasury Retail Corporate Investments & brokerage 24% Retail Non-retail 37/50#38مصرف الإنماء alinma bank Segmental Performance Highlights All segments reported growth in operating income YoY Operating Income Movement YoY (SARmn) Net Income Before Zakat Movement YoY (SARmn) 3,257 94 44 93 +15% 281 14 3,740 1,508 307 +29% 245 10 1,951 (118) Total operating income Retail Corporate Treasury 1H 21 +7% +8% +53% Investments & Total operating brokerage income +4% Income before Retail Corporate Treasury Zakat 1H 22 1H 21 -16% +253% +58% Investments & brokerage +4% Income before Zakat 1H 22 Customers' Deposits Movement YTD (SARbn) 121.1 10.5 +8% (1.2) 130.4 Financing, Gross Movement YTD (SARbn) 130.3 4.9 +4% (0.1) 135.1 Customers' deposits Retail Non-retail 4Q 21 Customers' deposits 2Q 22 Financing, gross Retail Non-retail 4Q 21 Financing, gross 2Q 22 +13% -3% +17% -0% 2Q 2022 INVESTOR PRESENTATION 38/50#39Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 7% YoY SAR (mn) Retail NPL (%) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% 0.8% مصرف الإنماء alinma bank Income from investments and financing, net 0.6% 1,222 1,158 +6% 652 584 +12% Fees from services & other income 153 123 +24% 94 21 +342% 0.4% Total operating income 1,375 1,281 +7% 747 605 +23% Total operating expenses 724 645 +12% 344 266 +29% 0.2% Total charges/(reversals) for 44 (88) +150% 73 (33) +323% impairments 0.0% Income for the period before zakat 606 724 -16% 330 372 -11% 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 Retail Deposits (SARbn) +13% Retail Financing (SARbn) +17% 91.0 92.0 30.8 32.9 86.5 77.3 81.5 26.4 26.7 28.0 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ -11% +5% +12% +1% QoQ +1% +5% +10% +6% 2Q 2022 INVESTOR PRESENTATION 0.6% Management Commentary ■ Retail operating income rose by 7% YoY to SAR 1,375mn from 6% increase in funded income and a 24% increase in non-funded income. ■ Retail net income fell by 16% YoY due to a 150% rise in impairments and a 12% increase in operating expenses YoY. ■ Retail deposits increased 13% while financing increased by 17% during 1H 2022. ■ The retail NPL ratio rose during 1H 2022 to 0.6%. 39/50#40Segmental Performance - Corporate Strong income growth and lower impairments translate to significant net income growth SAR (mn) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% Financing, Gross Composition (SARbn) مصرف الإنماء alinma bank 19% Income from investments and financing, net 27% 1,020 923 +10% Real Estate Services 524 461 +14% Government Fees from services & other income 171 174 -2% 83 131 -36% 102.2 Total operating income 1,190 1,097 +8% 607 592 +3% 15% Total operating expenses 7% 319 204 +56% 180 130 +38% Commerce ■Manufacturing ■Building & construction Total charges/(reversals) for 443 772 -43% 174 370 -53% impairments Income for the period before zakat 428 121 +253% 254 92 +176% 10% 12% Other 10% Corporate Deposits (SARbn) Corporate Financing (SARbn) +3% -0% 23.7 24.4 21.4 97.1 98.8 102.3 102.1 102.2 19.0 20.6 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 QoQ +13% +11% -13% +18% QoQ +2% +4% -0% +0% 2Q 2022 INVESTOR PRESENTATION Management Commentary ■ Corporate operating income increased by 8% YoY mainly from an increase of 10% in funded income. ■This income growth, together with lower impairments, translated to 2.5x net income growth despite a 56% rise in operating costs. Corporate deposits rose by 3% during 1H 2022 from funding optimization while corporate financing was stable YTD. ■ The corporate NPL ratio rose modestly during 1H 2022 to 2.3%. 40/50#41Segmental Performance - Treasury Strong income and net income growth SAR (mn) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% Investments (SARbn) مصرف الإنماء alinma bank Income from investments and +13% 438 314 +40% 214 163 +31% financing, net Investment-related income 241 135 -78% 147 81 -82% 36.0 37.7 Fees from services & other income 130 79 +64% 50 40 +24% 30.7 31.9 33.3 Total operating income 809 528 +53% 411 284 +45% Total operating expenses 138 96 +43% 60 43 +40% Total charges/(reversals) for 1 2 +54% (1) 5 -127% impairments Net operating income 670 430 +56% 353 237 +49% Share of loss from an associate and 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 joint venture (4) -101% (0) -978% Income before Zakat QoQ +4% +4% +8% +5% 670 425 +58% 355 236 +50% Treasury Assets (SARbn) +13% 43.0 44.1 45.7 48.7 51.5 2Q 21 3Q 21 4Q 21 1Q 22 QoQ +2% +4% +6% 2Q 2022 INVESTOR PRESENTATION 2Q 22 +6% Management Commentary ■ ■ Treasury operating income rose by 53% YoY to SAR 809mn in 1H 2022 from strong improvements in both funded (+40%) and fee income (+64%). This strong income growth drove a 58% improvement in net income YoY. Treasury assets rose by 13% during 1H 2022 to SAR 51.5bn, driven by 13% growth in the investment portfolio to SAR 37.7bn. 41/50#42Segmental Performance - Investments & Brokerage Modest income growth and lower expenses driving strong net income growth in 1H 2022 Assets Under Management (SARbn) SAR (mn) 1H 2022 1H 2021 A% 2Q 2022 2Q 2021 A% مصرف الإنماء alinma bank +2% Income from investments and financing, net 73.2 73.1 76.4 76.3 77.5 46 44 +5% 23 23 -2% Fees from services & other income 320 308 +4% 144 148 -3% Total operating income 366 351 +4% 167 171 -3% Total operating expenses 124 114 +9% 80 80 -0% Income before Zakat 247 237 +4% 22 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 92 91 +1% QoQ -0% +4% -0% +2% Brokerage Trading Income (SARmn) +42% 34.8 49.3 Brokerage Trading Values (SARbn) 89.2 -29% 63.1 Management Commentary ■ Investment and brokerage (I&B) operating income rose by 4% YoY to SAR 366mn from modest growth in both funded and non-funded income. ■ I&B net income increased 4% YoY from higher income despite a 9% increase in expenses. 1H 21 1H 22 1H 21 1H 22 2Q 2022 INVESTOR PRESENTATION ☐ Brokerage trading income for 1H 2022 rose by 42% despite a 29% reduction in brokerage trading values YoY, while AUM increased by 6% YoY. 42/50#43Outlook & Guidance 1158< 2Q 2022 Lean My سداد 0 7512 SAR U OSM -1 11a SA 1660 201 satst مصرف الإنماء alinma bank digital. fast. convenient.#44Economic Outlook مصرف الإنماء alinma bank Improving economic outlook supportive for the banking sector, despite the rise of political tensions and Covid risks remaining Real GDP Growth (%) 10.0% 5.0% 0.0% -4.1% -5.0% 2020 Composite* Oil Price Avg / Barrel (USD) 140.0 3.2% 2021 3M Average SAIBOR (%) 4.0% 106.8 100.0 69.1 2.0% 0.8% 0.9% 60.0 41.3 20.0 0.0% 2020 2021 2022E 2020 2021 Inflation (%) 7.6% 2022E Government Expenditures % of GDP (%) 3.2% 2022E 26.0% Further rebound in real GDP growth The KSA economy is expected grow by 7.6% in 2022; this projection is however heavily reliant on the positive oil price outlook and the ability of the country to ramp up its expansion plans despite further outbreaks and rising political tensions. Vision 2030 expansion plans back on track Alongside an economic recovery, Vision 2030 plans are expected to accelerate. Stabilization of oil prices Following a year of strong recovery of oil prices, the average price for the composite index is expected to grow to $106.8 / barrel due to the political tensions in 1Q 2022 that will support economic growth. Rise in SAIBOR rates 3M average SAIBOR rates are expected to see a major rise to 3.2% in 2022 from 0.9% average in 2021. Declining inflation and government expenditures Inflation is expected to decline to 2.5% in 2022 from the 3.1% level in 2021; government expenditures are expected to remain above 25% of GDP in 2022. 4.0% 3.4% 3.1% 60.0% 2.5% 41.0% 33.2% 40.0% 2.0% 20.0% 0.0% 0.0% 2020 2020 2021 2022E 2021 2022E 2Q 2022 INVESTOR PRESENTATION SOURCE: IMF April 2022 | *Simple average of three spot prices: Dated Brent, West Texas Intermediate, and Dubai Fateh 44/50#45Guidance 2022 outlook remains promising. Revised guidance for NPM and financing growth 1H 2022A Balance Sheet Financing Growth +10% YoY Drivers Strong Mid-Corp, SME & Retail growth from strategic initiatives; modest growth on large corporate given expected pricing competition Rising rates and strong funding mix supportive of improving margin مصرف الإنماء alinma bank 2022G Low teens Net Profit Margin 3.42% +5bps YoY +20bps to +25bps Profitability Cost to Income Ratio 34.9% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 35% Return on Equity 13.4% Improving NPM, efficiency and COR driving improving Above 13% ROE Asset Quality Cost of Risk 0.74% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 65-75bps Capital 2Q 2022 INVESTOR PRESENTATION CET1 17.4% Increasing RWAs from strong expected financing growth 16%-17% I 45/50#46Appendix 2Q 2022 مصرف الإنماء alinma bank digital. fast. convenient.#47ESG in Action Alinma is progressing on key initiatives to drive the ESG agenda and enhance its ratings Environment مصرف الإنماء alinma bank Deployment of digital channels and digital signatures to reduce paper; 87 new digital zones Energy efficient lighting are now in all branches. Planning to extend to Head Office Air conditioning timers installed in few branches; 20% reduction in electricity usage Renewable (solar) energy sources piloted across regions titi Social +38,000 employee training hours and +4 employee townhalls conducted YTD 1% of annual profit allocated to CSR activities 1st KSA bank to sign the Women's Empowerment Principles (WEPs); 39% new women hires in 2Q 22 Community focus with growth YoY in SME financing from Kafalah (+37%) and POS (+148%) programs Governance Shariah compliance through regular internal audits and committee oversight SAMA and CMA compliance in regulatory & financial disclosures and adoption of internal controls Institutionalization of the investor relations function with enhanced transparency & investor communication ✗ Cybersecurity monitoring and initiatives which cover data governance and protection MSCI BB SUSTAINALYTICS 32.2 11/100 ESG Score Latest ESG Ratings a Morningstar company AAA AA A BBB BB B CCC Negligible Low Medium High Severe S&P Global Leader Average Laggard 0-10 10-20 20-30 30-40 40+ 2Q 2022 INVESTOR PRESENTATION 25/100 ESG Score ESG Invest By SUSTAINABILITY EXCELLENCE 47/50#48ESG in Action مصرف الإنماء alinma bank In 2Q 2022 Alinma BoD formed a Governance and Sustainability committee to oversee the ESG framework and progress Governance and Sustainability Committee Objectives The committee members are to be actively engaged in ESG initiatives and oversee progress with the management team on all ESG matters including strategy, framework, risks & opportunities, stakeholder engagement, programs & sustainability Committee Members 31 ma 2Q 2022 INVESTOR PRESENTATION Oversight Management Alinma's management team manages the implementation of the overall ESG strategy and integration into the bank's 2025 long-term strategy Implementation Alinma's investor relations team is engaged in the ESG and sustainability framework, initiatives and external reporting Saad Abdulaziz Al Kroud Committee Chairman Ahmed Abdullah Al Alsheikh Committee Member Saud bin Mohammad Al Nemer Committee Member 48/50#49IR Contact Ahmed Sager Head of Investor Relations Mobile: +966-53-775-3352 Direct: +966-11-218-86364 Email: [email protected] Ibrahim Al Khudair Investor Relations Assistant Manager Mobile: +966-55-788-5520 Direct: +966-11-218-6181 Email: [email protected] Al Anoud Tower, King Fahad Road P.O. Box 66674, Riyadh 11586 Kingdom of Saudi Arabia Tel.: +966-11-218-5555 Fax: +966-11-218-5000 Website: www.alinma.com مصرف الإنماء alinma bank Visit our new website here for more investor disclosures: • Financial statements Annual reports Investor presentations Earnings call transcripts digital. fast. convenient.#50Disclaimer مصرف الإنماء alinma bank This presentation is being provided to you for general information purposes only. The information contained in the presentation has been obtained from sources believed by Alinma Bank ("Alinma") to be up to date, correct and reliable, but Alinma does not make any representation or warranty, express or implied, with respect to the fairness, correctness, accuracy, reliability, reasonableness or completeness of the information so provided and/or the opinions or analyses drawn therefrom. The information provided does not constitute or form part of any legal advice or legal opinion. No advisory, fiduciary or other relationship is created between Alinma and you or any person accessing or otherwise using any information so provided in the presentation, nor does the information constitute an offer or invitation to sell or issue, or a solicitation of any offer to purchase or subscribe for, securities, nor shall it or any part of it, nor the fact of its distribution, form the basis of, or be relied on in connection with, any contract or investment decision in relation thereto. It is not a recommendation by Alinma to purchase securities. Before using the information so provided, you must seek your own independent advice in relation to any investment, financial, legal, Shariah, tax, accounting or regulatory issues discussed and the presentation shall not be construed as constituting tax, investment or legal advice. Analyses and opinions contained herein may be based on assumptions that if altered can change the analyses or opinions so expressed. Nothing contained herein shall constitute any representation or warranty as to future performance or results of any financial instrument, credit, currency, rate or other market or economic measures. Furthermore, past performance is not necessarily, and shall not be deemed to be, indicative of future results. Alinma and its affiliates, and any of its directors, officers, employees, agents, advisors, contractors, and suppliers, disclaim liability and, thus, will not be liable for any loss, damages, actions or course of actions, of whatsoever nature, arising out of or in connection with the use of, or reliance on, this presentation. Any opinion, estimate or projection in this presentation constitutes an opinion, estimate or projection as of the date of this presentation, and no assurance is hereby made that future results will be consistent with any such opinion, estimate or projection. Further, Alinma has no obligation to update, modify or amend either this presentation or the information therein provided or to otherwise notify any recipients of the presentation if any of the information, opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate. The information in this presentation is subject to change without notice, and it may be incomplete or condensed, and it may not contain all material information concerning Alinma. This document has been furnished to you solely and exclusively for your information. It is not intended for distribution to the press or other media, or for any public distribution, and may not be reproduced or redistributed by mail, facsimile, electronic or computer transmission or by any other means to any other person without the express consent of Alinma. By accepting this document you agree to be bound by the limitations set out in this disclaimer. The distribution of this document in other jurisdictions may be restricted by law and persons who come into possession this document must inform themselves about, and observe and obey, any such restrictions. You understand that in order for you to be eligible to view the Information, you must be a "sophisticated investor" within the meaning of the Offers of Securities Regulations issued by the Capital Market Authority of the Kingdom of Saudi Arabia, and either you must have the expertise, or you must consult a financial advisor, for you to evaluate the performance of securities under changing conditions. The costs of such an evaluation will be solely for your account. 50/50