4Q 2022 INVESTOR PRESENTATION

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#1Investor Presentation 4Q 2022 February 2023 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 FY 2022 Financial Performance 5 Segmental Performance 6 Outlook & Guidance 7 Appendix 4Q 2022 INVESTOR PRESENTATION مصرف الإنماء alinma bank 2/49#3Alinma Overview 4Q 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 through 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 4Q 2022 INVESTOR PRESENTATION 4/49#5Alinma Overview Alinma is the youngest bank in KSA #2 in KSA 2.0% ROA (3Q 2022) 19.8% CAR 0.85% COR 16.5m 545K Monthly Average Users Smartphone Daily Average Users #3 in KSA #4 in KSA 20.1% CAR (3Q 2022) 14.0% ROE (3Q 2022) 18.6% T1 Retail Digital Snapshot +32.8% Net Income YoY Financial | 1.94% 136.3% NPL Ratio NPL Coverage 98.6% Digital Transactions 3.93m Position KSA Market Share Customers مصرف الإنماء alinma bank 5.8% Assets (3Q 2022) 6.4% Financing (3Q 2022) 5.8% Deposits (3Q 2022) 5.2% NIB Deposits (3Q 2022) #3 Traded Stock in KSA by Value Traded & #3 by Volume Traded (FY 2022) SAR 67.4 bn Value Traded (FY 2022) Stock Highlights SAR 65.1 bn Market Capitalization (31 December 2022) 17.6% Foreign Ownership #1 among Saudi banks (31 December 2022) SOURCE: Bank Financial Statements, Tadawul 10% Owned by Public Investment Fund 5/49 4Q 2022 INVESTOR PRESENTATION#6Management Team Alinma has built an experienced new management team poised to execute its strategy Saleh Abdullah Al Zumaie ini Deputy CEO, Head of Retail & Digital Banking Mohammed Sultan Al Sehali Chief Internal Audit Officer 4Q 2022 INVESTOR PRESENTATION Emad Abdulrahman Al Butairi Head of Corporate Banking Abdullah Ali Al Khalifa Chief Executive Officer (CEO) مصرف الإنماء alinma bank Abdullah Jamaan Al Zahrani Head of Treasury Meshary Abdulaziz Al Jubair Chief Operating Officer (COO) Hamoud Abdulaziz Al Humaidan Chief Compliance Officer (CCO) Eyad Osama Al Othman General Counsel & Board Secretary Fahad Abdulaziz Al Mohaimeed Head of Strategy & Business Excellence Gu Yaser Abdulaziz Al Marshde inn Chief Sharia Officer (CSO) 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) 6/4 /49#7Strategy Update 1158< 4Q 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 4Q 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 8/49#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 4Q 2022 INVESTOR PRESENTATION 30+ new products "Most innovative Shariah-compliant Treasury partner" 9/49#10Strategy Progress Update Driving changes across the businesses and bank-wide 2021-2025 Strategic Ambitions 4Q 2022 Achievements Digital Build digital factory and apply latest available technologies - Advanced Analytics (AA), Al and Big Data Completed 6 additional RPAS 100% of branches with Digital Zones Fast Improve processes and speed to market Fully Launched POS Financing Product ■ Reduced POS financing documentation requirements ☐ مصرف الإنماء alinma bank 2023 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 Total 4Q 2022 INVESTOR PRESENTATION Enhance customer convenience and experience ■ Introduced Real Estate Re-finance Product ■ 17 new ATM sites 76 Initiatives* 54/76 Initiatives Completed *1 new initiative added in 4Q 2022 71% ■ Client relationship models for Private and Affluent customers being improved ■ Enhance ecosystems programs for customer convenience 22/76 Initiatives In Progress 29% 10/49#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 Young Saudi professionals and University students 18-35 year-old customers in the wealth segment Drive growth in deposits 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 Initiatives Completed to Date: Key Achievements 12/18 initiatives completed 67% 4Q 2022 Introduced Real Estate Re-finance Product 4Q 2022 INVESTOR PRESENTATION New Operating Models and Effective Processes Launched Auto Lease Product to customers Fully Launched POS Implemented multi branches operations Financing Product excellence improve customer enhancements to Reduced POS financing documentation requirements experience Improved risk assessment criteria for non salary transfer Distribution Expansion +100% +17 Of branches with Digital Zones New ATMs 11/49#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 & channel offering in cross- sell categories Integrate digital offering 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" Expanded Mid-Corp Segment Growth in SME Portfolio New Products & Centralization Initiatives Completed to Date: Key Improved organisational efficiency Achievements 4Q 2022 9/19 initiatives completed 47% +270% Growth in booked assets +467% Growth in Non- funded assets (LG & LC) +108% +46% PoS financing Kafalah financing Developed Launched POS product bundles (Sign & Collect) for SMEs product Building the capabilities of excellence team by adding more roles, responsibilities and resources 4Q 2022 INVESTOR PRESENTATION 12/49#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" Expansion of Products and Volumes Increased FI Coverage Investment Base Enhancement New Products Initiatives Completed to Date: Key Achievements 12/12 initiatives completed 4Q 2022 Expanded 100% Derivatives customer 4Q 2022 INVESTOR PRESENTATION base +32bn +340m FX business volumes PRS volumes +11 banks Correspondent Fls added globally +5.4bn Enhanced investment book Introduced Shariah compliant products in alignment with international players 13/49#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" New Models & Digital Factory Updates Initiatives Completed to Date: Key Achievements 12/17 initiatives completed 4Q 2022 Digital Factory Alpha & beta in operations 71% releases of new mobile app 4Q 2022 INVESTOR PRESENTATION Launched Digital credit card and personal finance journeys Operations efficiency improvement +6 Operations RPAs completed Technology Improvements Implemented DevOps and completed QA testing framework within Digital Factory Completed IT architecture assessment and identified improvement roadmap 14/49#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 Initiatives Completed to Date: Key Achievements 8/9 initiatives completed 89% 4Q 2022 INVESTOR PRESENTATION 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 Engagement Launched 4Q 2022 OHI survey to the whole staff bank +3 Employee activities (entertainment, health & awareness) Launched Z Saving Program for all Alinma staff. Increased Training & Key Placements Continuous Improvement Women leadership program Graduated Future Banker batch 5 Implemented wide range of incentive schemes for multiple departments across business lines. Completed digitalizing of 6 staff facing processes Workforce 95.2% 19.22% Saudization Female rate percentage of total workforce 15/49#16Historical Financial Performance 10:00 له M 9:59 + إضافة رصير 8500.75 طلب التحويل مدفوعات مدار COD AlinmaPay 401 Pay مصرف الإنماء الرصيد تدوري إلى shase alinma bank 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) +13% CAGR Financing (SARbn) +15% CAGR مصرف الإنماء alinma bank Customers' Deposits (SARbn) +13% CAGR 200.4 146.5 156.9 173.5 145.2 126.3 121.5 131.8 111.2 119.5 121.1 83.9 94.8 90.1 102.1 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 YOY +8% +19% +11% +16% YOY +13% +17% +14% +16% YOY +13% +17% +1% +20% NPL Ratio (%) 3.00% 2.00% 1.00% Liquidity (%) 200% 150% 1.9% 100% 50% Capitalization (%) 30% 135.0% -106.1% 20% 82.8% 10% 0% 0.00% 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 CET1 ratio 2020 -T1 ratio 2021 2022 CAR LDR SAMA Ratio .NSFR LCR 4Q 2022 INVESTOR PRESENTATION 19.8% 18.6% 15.8% 17/49#18P&L Track Record ...translating to consistently strong top-line growth and solid profitability Total Operating Income (SARmn) +13% CAGR Total Operating Expenses (SARmn) +14% CAGR Net Income (SARmn) مصرف الإنماء alinma bank +6% CAGR 7,963 6,660 3,484 3,624 3,954 3,599 4,845 5,610 5,682 2,783 2,857 2,322 2,535 2,709 1,966 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 YOY +16% +1% +17% +20% YOY +20% +25% +4% +9% YOY -11% -22% +38% +33% Net Profit Margin (%) 6% 4% 2% Cost To Income Ratio (%) 40.0% Cost of Risk (%) 2.00% 0.85% 4.54% 38.0% 1.50% 3.62% 36.0% 1.00% 34.7% 34.0% 0.50% 1.10% 0.00% 32.0% 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 0% 2018 2019 2020 2021 2022 -Net profit margin Yield rate COF rate *2021 income and expense number are adjusted to reflect certain classification taken place in 4Q 2022 4Q 2022 INVESTOR PRESENTATION 18/49#19FY 2022 Financial Performance 4Q 2022 مصرف الإنماء ) alinma bank Banking Kiosk مصرف الإنماء alinma bank digital. fast. convenient.#204Q 2022 Balance Sheet Highlights Balance sheet growth from financing and investments growth funded mainly from customers' deposits Total Assets (SARbn) +16% Total Liabilities (SARbn) +18% مصرف الإنماء alinma bank Total Equity (SARbn) +4% 173.5 179.5 184.6 193.2 200.4 161.9 168.6 30.7 31.5 31.5 31.3 31.9 142.8 148.0 153.2 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 QoQ +3% +3% +5% +4% QoQ +4% +3% +6% +4% QoQ +3% -0% -1% +2% 4Q 22 Financing 4Q 22 Customers' Deposits 4Q 22 CASA Deposits 4Q 22 CASA % of Total Deposits 4Q 22 LDR SAMA Ratio 4Q 22 CAR SARbn 146.5 +16% YOY 4Q 2022 INVESTOR PRESENTATION 145.2 82.5 56.8% 82.8% SARbn SARbn +20% YOY +4% YOY -9.Oppts YOY -3.Oppts YOY 19.8% -299bps YoY 20/49#214Q 2022 P&L Highlights Net income for 9M 2022 grew by 31% YoY from 17% income growth and lower risk cost Total Operating Income (SARmn) +28% Total Operating Expenses (SARmn) +21% 2,075 2,148 1,191 1,808 1,932 1,680 983 974 886 903 مصرف الإنماء alinma bank Net Income (SARmn) +39% 989 925 825 860 619 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 QoQ +8% +7% +7% +3% QoQ -10% +2% +8% +22% QoQ +33% +12% +7% -13% FY 22 Funded Income FY 22 Non-Funded Income FY 22 Net Income FY 22 Net Profit Margin FY 22 Cost to FY 22 ROE Income Ratio SARM 6,066 SARmn 1,897 SARmn 3,599 +18% YoY +25% YOY +33% YOY 4Q 2022 INVESTOR PRESENTATION 3.62% +20bps YOY 34.7% -0.7ppts YoY 13.7% +288bps YoY 21/49#22Balance Sheet Trends Balance sheet growth of 11% from increase in financing and investments Management Commentary ■ Growth in total assets of 16% YoY mainly driven by 16% financing growth and 16% growth in investments. ■ Total liabilities grew by 18% during FY 2022 mainly from a 20% rise in customers' deposits and an 8% increase in SAMA & Interbank deposits. SAR (mn) مصرف الإنماء alinma bank Total Assets Movement YoY (SARbn) +16% 20.2 0.2 200.4 173.5 1.3 5.3 4Q 2022 4Q 2021 A% 3Q 2022 A% Total assets 4Q 21 Cash, interbank Investments Financing Other & SAMA +13% Total assets 4Q 22 +16% +16% +6% Cash, interbank & SAMA balances 11,178 Investments Financing 38,529 146,492 Other assets 4,238 Total assets 200,436 9,915 33,278 126,271 4,012 173,476 +13% +16% 10,935 +2% Due to SAMA, banks & other Fl 16,483 15,240 Customers' deposits 145,168 121,061 Other liabilities 6,908 6,465 Total liabilities 168,560 142,765 +18% 38,268 +1% +16% 139,987 +5% +6% 4,039 +5% +16% 193,229 +4% +8% 23,225 -29% +20% 132,048 +10% +7% 6,654 +4% 161,927 +4% Total Liabilities Movement YoY (SARbn) +18% 24.1 0.4 168.6 142.8 1.2 Share capital 20,000 20,000 +0% 20,000 +0% Retained earnings 4,285 3,619 +18% 5,373 -20% Other reserves 2,591 2,092 +24% 929 Tier 1 sukuk 5,000 5,000 +0% 5,000 +179% +0% Total liabilities 4Q 21 Total equity 31,876 30,711 +4% 31,302 +2% Due to SAMA, banks Customers' deposits & other Fl +8% Other Total liabilities 4Q 22 +20% +7% 4Q 2022 INVESTOR PRESENTATION 22/49#23P&L Trends مصرف الإنماء alinma bank Net income for 9M 2022 grew by 31% YoY due to 17% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 9M 2022 grew 31% YoY to SAR 2,739mn from 17% income growth and a 23% decrease in impairments despite 20% higher operating expenses YoY. +33% FY 2022 FY 2021 A% 377 926 ■ 3Q 2022 net income improved 34% YoY driven by 21% increase in income and a 5% decrease in impairments. 2,709 SAR (mn) 78 18 3,599 (407) (102) 4Q 2022 4Q 2021 A% Net income Funded FY 21 income Non-funded Operating Impairments Associate & Zakat income Expenses JV Net income FY 22 Funded income 6,066 5,140 +18% 1,668 1,309 +27% Non-Funded income 1,897 1,519 +25% 480 371 +29% Total operating income 7,963 6,660 +20% 2,148 1,680 +28% Operating Income Composition (SARmn) Operating Expenses 2,765 2,358 +17% 750 682 +10% 4% 1% Funded income Net operating income before impairment 4% 5,198 4,302 +21% 1,398 998 +40% charge Impairments 1,189 1,266 -6% 441 301 +46% 15% Net operating income 4,009 3,036 +32% 957 697 +37% 7,963 Income before zakat 4,013 3,022 +33% 959 691 +39% Fees from banking services Investment gains/dividends Exchange income Zakat 414 312 +33% 99 72 +38% 76% Other income Net income 3,599 2,709 +33% 860 619 +39% 4Q 2022 INVESTOR PRESENTATION 23/49#24Financing Increase in gross financing during FY 2022 from 33% growth in retail financing, and 11% in corporate financing Financing, Gross (SARbn) Financing, Gross Composition (SARbn) مصرف الإنماء alinma bank +15% 143.7 150.5 130.3 133.0 135.1 12% 13% 102.3 102.1 102.2 107.9 113.2 150.5 3% 28.0 30.8 32.9 35.9 37.3 QoQ 4Q 21 +2% 1Q 22 +2% 2Q 22 +6% 3Q 22 +5% 4Q 22 Retail Financing, Gross Movement YoY (SARbn) 130.3 4.6 4.7 Corporate +15% 9.8 1.1 150.5 Total financing, Home financing Personal & other Corporate SME Total financing, gross retail financing 4Q 21 gross 4Q 22 +32% +34% +10% +27% 4Q 2022 INVESTOR PRESENTATION Corporate Total Corporate SME Home financing 75% 72% Retail 25% Personal & other retail financing Management Commentary ■ Gross financing grew 15% during FY 2022. ■ Retail financing grew 33% YoY from strong momentum in home financing (+32%) and personal & other financing (+34%). ■ Total corporate financing grew 11% YoY, where mid-corporate rose 270%, and SME financing increased 27%. ■ Gross financing comprises of 75% corporate and 25% retail as at 31 December 2022. 24/49#25Investments 16% growth in investments from additional investment grade securities Investments (SARbn) Investments Movement YoY (SARbn) +16% 36.0 37.7 38.3 38.5 5.0 33.3 33.3 +16% (0.7) مصرف الإنماء alinma bank 1.0 38.5 Total investments Sukuk Funds Equities & other 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 Total investments 4Q 22 QoQ +8% +5% +1% +1% +17% -33% +64% Investments Composition (SARbn) 32% 4% 0% 38.5 4Q 2022 INVESTOR PRESENTATION Investments Composition (SARbn) Held at amortized cost 7% 4% Held at FVOCI Held at FVSI 64% Associate & JV 38.5 89% ■ ■Sukuk Funds Equities & other Management Commentary Investments growth of 16% during FY 2022 was mainly attributed to additional SAR 5bn in corporate sukuk investments. ■ The investment portfolio as at 31 December 2022 comprised of 89% sukuk investments, 4% funds and 7% equities & other investments. 25/49#26Deposits Deposit growth of 20% driven by 4% CASA growth and 51% Time deposits growth Customers' Deposits (SARbn) Customers' Deposits Movement YoY (SARbn) +20% 145.2 121.1 128.0 130.4 132.0 21.3 121.1 82.5 79.7 88.0 92.4 86.4 62.7 +20% مصرف الإنماء alinma bank 2.8 145.2 41.4 40.0 38.0 45.6 QoQ 4Q 21 +6% 1Q 22 +2% 2Q 22 +1% 3Q 22 +10% 4Q 22 Total customers' deposits Time CASA Total customers' deposits 4Q 21 Time CASA +51% +4% 4Q 22 Customers' Deposits Composition (SARbn) CASA % of Total Deposits (%) 80% Retail 65.8% 60% 33% 145.2 40% 67% Non-retail 4Q 2022 INVESTOR PRESENTATION 56.8% 20% 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 Management Commentary ■ Deposits rose by 20% during FY 2022 from growth in CASA and Time deposits of 4% and 51% respectively. ■ CASA deposits account for 57% of total deposits as at 4Q 2022, with the QoQ decline reflective of time deposits increasing by 37%. ▪ Total deposits comprise of 67% retail and 33% non-retail deposits as at 31 December 2022. 26/49#27Income from Financing & Investments Gross funded income grew 34% from 40% growth in investment income and 33% growth in financing income Funded Income, Gross (SARmn) مصرف الإنماء alinma bank Total Funded Income, Gross Movement YoY (SARmn) +68% 2,437 2,049 1,653 1,452 1,474 5,678 322 +34% 1,613 7,613 2,090 1,753 1,232 1,242 1,391 220 232 262 QoQ 4Q 21 +2% 1Q 22 +12% 2Q 22 +24% 296 3Q 22 +19% 347 4Q 22 Total Funded Income, Gross Investments Financing Investments Financing FY 21 +40% +33% Total Funded Income, Gross FY 22 Funded Income, Gross Composition (SARmn) 1% 18% 36% Retail 45% Corporate 7,613 4Q 2022 INVESTOR PRESENTATION Treasury Funded Income, Gross Composition (SARmn) 15% Investments 7,613 Financing Investments & brokerage 85% Management Commentary ■ Gross funded income for FY 2022 increased by 34% YoY to SAR 7,613mn from a 40% increase in funded investment income and a 33% rise in financing income. ■ Gross funded income is attributable to 45% retail, 36% corporate and 18% treasury segments. ■ Income from financing makes up 85% of total gross funded income and income from investments comprises 15%. 27/49#28Net Profit Margin مصرف الإنماء alinma bank Average balance of investments and financing grew 14%; while net profit margin saw an increase of 20bps YoY Average Balance of Investments & Financing Net Profit Margin YTD (%) Net Profit Margin Movement YoY (%) (SARbn) +14% +20bps +20bps 156.8 160.7 162.5 170.8 178.9 3.42% 3.31% 3.42% 3.59% 3.62% 0.63% 3.42% 0.14% 125.6 129.7 129.3 136.6 142.7 -0.57% 3.62% 31.2 31.0 33.3 34.1 36.2 4Q 21 1Q 22 QoQ +2% 2Q 22 +1% 3Q 22 Investments +5% Financing 4Q 22 +5% FY 21 1Q 22 1H 22 9M 22 FY 22 Net profit margin Investments Financing yield yield COF rate -11bps +11bps +16bps +3bps FY 21 Net profit margin FY 22 SAIBOR: 3M Average Trend (%) 6.0% 4.0% 3.15% 2.74% 2.0% 1.39% 0.90% 5.27% SAIBOR: 3M Spot (%) 6.00 5.00 4.00 3.00 0.0% 2.00 FY 21 1Q 22 1H 22 9M 22 FY 22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 4Q 2022 INVESTOR PRESENTATION *Comparatives are reclassified to align with the FY 2022 financial statements Management Commentary ■ Average balance of investments and financing grew 14% YoY. ■ The net profit margin increased by 20bps YoY to 3.62%. Average 3M SAIBOR increased 212bps during 4Q 2022 and 437bps YoY as a result of rate hikes during the quarter. 28/49#29Fee and Other Income Non-funded income for FY 2022 increased by 25% YoY Non-Funded Income (SARmn) Non-Funded Income Movement YoY (SARmn) +29% 496 519 480 1,519 135 76 402 371 222 146 225 95 117 254 21 271 297 307 334 +25% 172 مصرف الإنماء alinma bank (6) 1,897 QoQ 4Q 21 +34% 1Q 22 +5% 2Q 22 -23% 3Q 22 +19% 4Q 22 Non-funded Income FY 21 Fees from banking services +13% Exchange income +36% Investment gains/dividends +125% Other income -6% Non-funded Income FY 22 Fees from banking services Other income Fees from Banking Services Composition (SARmn) 7% 10% 16% 1,209 Card services 34% Fund management Trade finance services Brokerage fees 33% Other fees Management Commentary ■ Non-funded income for FY 2022 increased 25% YoY to SAR 1,897mn from improved fees from banking services, exchange income, and investment gains/dividends. ■ Card services fees comprise the majority of fees from banking services at 34%, while fund management fees account for 33%, other fees for 16% and brokerage and trade finance services fees represent 10% and 7% respectively. ■ The 19% QoQ growth in non-funded income is due to growth in most key fee income sources. 4Q 2022 INVESTOR PRESENTATION 29/49#30Operating Expenses FY 2022 saw 17% growth in operating expenses YoY mainly from higher employee and G&A costs Operating Expenses (SARmn) Operating Expenses Movement YoY (SARmn) +10% +17% مصرف الإنماء alinma bank 682 710 750 171 642 663 209 28 2,765 2,358 305 318 326 253 284 66 66 69 70 74 290 323 310 334 358 QoQ 4Q 21 -6% 1Q 22 +3% 2Q 22 +7% 3Q 22 +6% 4Q 22 Operating Expenses FY 21 Salaries & employee-related Depreciation & amortization Other G&A Salaries & employee-related +19% Depreciation & amortization Other G&A Operating Expenses FY 22 +11% +17% Operating Expenses Composition Cost to Income Ratio (%) (SARmn) 45% ■Salaries & employee-related 40% 35% 35.4% 42% 48% 30% Depreciation & amortization 2,765 25% 20% Other G&A 10% 15% FY 21 1Q 22 1H 22 9M 22 FY 22 4Q 2022 INVESTOR PRESENTATION 34.7% Management Commentary Operating expenses increased 17% YoY to SAR 2,765mn for FY 2022 mainly due to higher salaries, increased commercial expenses from POS terminal deployments, higher SMS communication, and marketing costs. +230bps positive Jaws contributed to a 0.7ppt decrease in the cost to income ratio from 35.4% to 34.7%. 30/49#31Impairments for Financing Cost of risk for FY 2022 declined by 17bps from 4% lower credit impairment charges YoY Impairments for Financing (SARmn) Impairments for Financing (SARmn) +51% 436 289 273 241 248 4Q 21 1Q 22 2Q 22 QoQ -17% +3% 3Q 22 +10% Impairments Allowance Composition 4Q 22 +60% Cost of Risk (%) (SARmn) 2% 19% Retail 2% 1% 1.02% 3,981 Corporate 1% 81% 4Q 2022 INVESTOR PRESENTATION مصرف الإنماء alinma bank -4% 1,252 1,198 FY 21 0.85% 0% FY 21 1Q 22 1H 22 9M 22 FY 22 FY 22 Management Commentary ■ FY 2022 impairment charge for financing decreased by 4% YoY to SAR 1,198mn. ■ Cost of risk for FY 2022 improved by 17bps YoY to 0.85%. ■ The 4Q 2022 impairment charge for financing increased by 60% QoQ due to stage movement for some corporate accounts and increase in retail impairment charges. 31/49#32Non-Performing Loans The NPL ratio increased YoY Non-Performing Loans, Gross (SARbn) +28% 2.9 2.7 2.6 2.4 2.3 2.1 2.5 2.4 2.5 2.2 NPL, Gross Movement YoY (SARbn) 0.3 2.3 مصرف الإنماء alinma bank +28% 0.3 2.9 0.1 0.2 0.2 0.2 0.5 QoQ 4Q 21 +17% 1Q 22 -4% 2Q 22 -7% 3Q 22 +22% 4Q 22 Total NPL 4Q 21 Retail Corporate Total NPL 4Q 22 Retail Corporate +210% +15% NPL Composition (SARbn) 84% 2.9 16% 4Q 2022 INVESTOR PRESENTATION NPL Ratio (%) 3.00% 2.50% 2.01% 1.90% 1.94% 1.75% 1.67% 2.00% Retail 1.50% 1.00% Corporate 0.50% 0.00% 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 Management Commentary ■ The NPL ratio increased by 19bps YoY and 27bps QoQ to 1.94% in 4Q 2022. ■ Retail financing, which account for the smaller proportion of NPLs, increased by 210%, while corporate NPLs increased by 15% YoY. ■ The NPL ratio for retail stood at 1.2% while corporate stood at 2.1% as at 4Q 2022. 32/49#33NPL Coverage NPL coverage decreased YoY Stage-Wise Financing, Gross (SARbn) +15% 130.3 133.0 135.1 143.7 150.5 2.4 2.9 2.3 2.7 2.6 8.5 95 9.0 9.1 8.9 8.9 118.9 121.4 123.6 132.3 139.1 QoQ 4Q 21 +2% 1Q 22 +2% 2Q 22 +6% 3Q 22 +5% 4Q 22 Stage 1 Stage 2 Stage 3 NPL Coverage Ratio (%) Stage-Wise Coverage (%) 75% 62.6% 62.1% مصرف الإنماء alinma bank Stage-Wise Financing, Gross Composition (SARbn) 6% 2% 58.4% 56.1% 56.8% 300% 55% 177.1% 200% 150.0% 150.1% 155.5% 136.3% 35% 22.0% 19.2% 19.4% 18.9% 19.3% 100% 15% 150.5 0% 0.5% 0.5% 0.5% -5% 0.5% 0.5% 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 ■Stage 1 ■Stage 2 Stage 3 4Q 2022 INVESTOR PRESENTATION 92% Stage 1 Stage 2 Stage 3 Management Commentary ■ NPL coverage decreased by 40.7ppts YoY to 136.3%. Stage 1 coverage remained stable YoY at 0.5%. Stage 2 coverage declined due to migration of highly-provisioned accounts to stage 3, while the stage 3 coverage trend was impacted by write- offs during FY 2022. 33/49#34Capitalization Capital grew 4% YoY while ROE saw an increase of 2.9ppts YoY Total Capital (SARbn) Risk Weighted Assets (SARbn) +19% مصرف الإنماء alinma bank +4% 33.1 33.9 33.9 33.8 34.4 168.2 173.6 145.3 149.2 155.1 2.4 1.7 1.7 1.8 1.9 2.0 0.8 0.9 0.8 12.3 0.4 12.7 11.2 11.6 11.9 31.4 32.2 32.1 31.8 32.4 133.1 136.8 142.4 153.5 160.5 QoQ 4Q 21 +2% 1Q 22 -0% 2Q 22 -0% 3Q 22 +2% 4Q 22 QoQ 4Q 21 +3% 1Q 22 +4% 2Q 22 +8% 3Q 22 +3% 4Q 22 Tier 1 Capital Tier 2 Capital Credit Operational Market CAR (%) 25% 22.8% 20% 15% 10% 5% FY 21 1Q 22 1H 22 9M 22 FY 22 4Q 2022 INVESTOR PRESENTATION 19.8% Profitability (%) 15% 10% 10.8% 5% 1.6% 0% FY 21 1Q 22 1H 22 9M 22 FY 22 ROAE .ROAA 13.7% 1.9% Management Commentary ■ Total Capital grew 4% to SAR 34.4bn YoY while Risk Weighted Assets grew 19% YoY. ■ CAR has declined 3ppts YoY to 19.8% due to 20.6% increase in credit risk weighted assets due to the growth in the Bank's total assets. ■ ROE and ROA saw an increase of 2.9ppts and 30bps respectively YoY. 34/49#35Liquidity Alinma's liquidity position is healthy and comfortably within regulatory limits NSFR (%) LDR SAMA Ratio (%) 120% 111.7% 110.1% 110.5% 110% 106.1% 103.2% 100% 90% 4Q 21 Leverage Ratio (%) 20% 17.3% 15% 10% NSFR 1Q 22 2Q 22 3Q 22 4Q 22 Regulatory Minimum 90% 85.8% 80% 70% 100% 60% 50% 4Q 21 LCR (%) 134% 133% 139% 129% 135% 15.2% 150% 100% 1Q 22 2Q 22 LDR SAMA Ratio 100% مصرف الإنماء alinma bank 3Q 22 - Regulatory Maximum 90% 82.8% 4Q 22 Management Commentary ■ NSFR has decreased 5.6ppts YoY to 106.1% due to increase in corporate financing with long maturity followed with an increase in short term time deposits, and interbank placements. ■ The LDR SAMA ratio decreased 3.0ppts YoY to 82.8%. 50% 5% 3% 0% 0% 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 ■ The leverage ratio decreased 210bps YoY to 15.2%. Leverage ratio Regulatory Minimum .LCR Regulatory Minimum ■ 4Q 2022 LCR increased 1ppts YoY to 135%. 4Q 2022 INVESTOR PRESENTATION 35/49#36Segmental Performance 4Q 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) Net Profit Before Zakat Composition (SARmn) 15% 35% 9% 7,963 41% Customers' Deposits Composition (SARbn) Retail Corporate Treasury Investments & brokerage Retail 11% 23% 4,013 32% 34% Financing, Gross Composition (SARbn) 33% 145.2 Non-retail 67% 75% 4Q 2022 INVESTOR PRESENTATION 150.5 مصرف الإنماء alinma bank Corporate Retail Treasury Investments & brokerage Retail 25% Non-retail 37/49#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) +20% +33% 6,660 679 405 140 80 60 7,963 806 134 77 4,013 3,022 (26) Total operating income Retail Corporate Treasury Investments & brokerage Total operating income Income before Retail Corporate Treasury Zakat FY 21 FY 22 FY 21 +26% +17% +13% +13% -2% +148% +17% Investments & brokerage +20% Income before Zakat FY 22 Customers' Deposits Movement YoY (SARbn) 15.6 121.1 +20% Financing, Gross Movement YoY (SARbn) 8.5 145.2 130.3 9.3 +15% 10.9 150.5 Customers' deposits Retail Non-retail 4Q 21 Customers' deposits 4Q 22 Financing, gross Retail Non-retail 4Q 21 Financing, gross 4Q 22 +19% +21% +33% +11% 4Q 2022 INVESTOR PRESENTATION 38/49#39Segmental Performance - Retail Strong financing and deposit growth driving operating income growth of 26% YoY SAR (mn) Retail NPL (%) FY 2022 FY 2021 A% 4Q 2022 4Q 2021 A% 1.5% مصرف الإنماء alinma bank 1.2% Income from investments and financing, net 2,881 2,262 +27% 859 538 +60% 1.0% Fees from services & other income 366 306 +19% 98 100 -2% Total operating income 3,247 2,568 +26% 957 638 +50% 0.5% Total operating expenses 1,619 1,390 +16% 451 401 +13% 0.0% Total charges/(reversals) for impairments 351 (125) +381% 226 (4) +5350% 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 Income for the period before zakat 1,277 1,303 -2% 280 242 +16% Retail Deposits (SARbn) Retail Financing (SARbn) +19% +33% 81.5 91.0 92.0 91.1 97.1 28.0 30.8 32.9 35.9 37.3 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 QoQ +12% +1% -1% +7% QoQ +10% +6% +9% +4% 4Q 2022 INVESTOR PRESENTATION Management Commentary ■ Retail operating income rose by 26% YoY to SAR 3,247mn from 27% increase in funded income and a 19% increase in non-funded income. ■ Retail net income fell by 2% YoY due to a 381% rise in impairments and a 16% increase in operating expenses YoY. ■ Retail deposits increased 19% while financing increased by 33% during FY 2022. ■ The retail NPL ratio increased during FY 2022 to 1.2%. 39/49#40Segmental Performance - Corporate Strong income growth and lower impairments translate to significant net income growth SAR (mn) FY 2022 FY 2021 A% 4Q 2022 4Q 2021 A% Financing, Gross Composition (SARbn) Income from investments and financing, net 2,443 2,112 +16% 802 564 +42% 30% Fees from services & other income 370 296 +25% 116 64 +81% Total operating income 2,813 2,408 +17% 917 627 +46% Total operating expenses 620 489 +27% 157 145 +8% 7% Total charges/(reversals) for impairments 843 1,376 -39% 208 293 -29% Income for the period before zakat 1,349 543 +148% 553 190 +191% Corporate Deposits (SARbn) -0% Corporate Financing (SARbn) +11% 18% 113.2 15% 12% 9% 9% 23.7 24.4 23.7 23.7 20.6 102.3 102.1 102.2 107.9 113.2 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 QoQ -13% +18% -3% +0% QoQ -0% +0% +6% +5% 4Q 2022 INVESTOR PRESENTATION مصرف الإنماء alinma bank Real Estate Services Government Manufacturing Commerce Building & construction Other Management Commentary ■ ☐ ☐ Corporate operating income rose by 17% YoY to SAR 2,813mn from 16% increase in funded income and a 25% increase in non-funded income. This income growth, together with lower impairments, translated to 2.5x net income growth despite a 27% rise in operating costs. Corporate financing rose by 11% during FY 2022 while corporate deposits were stable YoY. ■ The corporate NPL ratio increased during FY 2022 to 2.2%. 40/49#41Segmental Performance - Treasury Strong income and net income growth SAR (mn) FY 2022 FY 2021 A% 4Q 2022 4Q 2021 A% Investments (SARbn) مصرف الإنماء alinma bank Income from investments and financing, net +16% 651 674 -3% (17) 184 -109% Investment-related income 311 138 +125% 50 (9) +650% 36.0 37.7 38.3 38.5 33.3 Fees from services & other income 224 233 -4% 52 101 -48% Total operating income 1,185 1,046 +13% 86 275 -69% Total operating expenses 252 240 +5% 49 64 73 -13% Total charges/(reversals) for impairments 14 3 -435% 4 0 +1002% Net operating income 920 803 +14% 18 202 -91% Share of loss from an associate and joint venture 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 (14) +125% 2 (6) +41% QoQ +8% +5% +1% +1% Income before Zakat 923 789 +17% 21 196 -89% Treasury Assets (SARbn) +15% 45.7 48.7 51.5 51.3 52.4 4Q 21 1Q 22 2Q 22 3Q 22 QoQ +6% +6% -0% 4Q 2022 INVESTOR PRESENTATION 4Q 22 +2% Management Commentary ■ Treasury operating income rose by 13% YoY to SAR 1,185mn in FY 2022 from strong improvements in investment related income by 125%. ▪ This income growth drove a 17% improvement in net income YoY. ■ Treasury assets rose by 15% during FY 2022 to SAR 52.4bn, driven by 16% growth in the investment portfolio to SAR 38.5bn. 41/49#42Segmental Performance - Investments & Brokerage Modest non funded income growth driving strong net income growth in FY 2022 SAR (mn) FY 2022 FY 2021 A% 4Q 2022 4Q 2021 A% Assets Under Management (SARbn) -0% مصرف الإنماء alinma bank 76.4 76.3 77.5 73.5 76.2 Income from investments and financing, net 92 92 -0% 24 24 -2% Fees from services & other income 626 545 +15% 164 115 +43% 718 637 +13% 188 139 +35% Total operating income Total operating expenses 273 238 +15% 79 19 64 +23% Income before Zakat 463 387 +20% 106 63 +68% Brokerage Trading Income (SARmn) -35% 118.8 77.2 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 QoQ -0% +2% -5% +4% Brokerage Trading Values (SARbn) -32% 145.9 99.2 FY 21 FY 22 FY 21 FY 22 4Q 2022 INVESTOR PRESENTATION Management Commentary ■ Investment and brokerage (I&B) operating income rose by 13% YoY to SAR 718mn from 15% growth in non-funded income. ■ I&B net income increased 20% YoY from higher income despite a 15% increase in expenses. ☐ Brokerage trading income and brokerage trading values for FY 2022 declined by 35% and 32% respectively YoY, while AUM decreased by 0.3% YoY. 42/49#43Outlook & Guidance 1158< 4Q 2022 Lean My سداد 0 7512 SAR U OSM -1 11a SA 1660 201 satst مصرف الإنماء alinma bank digital. fast. convenient.#44Guidance Acceleration of strategic execution drives a promising outlook for 2023 FY 2022A 2022G 2023G Balance Sheet Financing Growth +16% YOY High teens Mid teens Net Profit Margin 3.62% +20bps YoY +20bps to +25bps +35bps to +45bps Drivers مصرف الإنماء alinma bank Strong Mid-Corp, SME & Retail growth from strategic initiatives; pick up in corporate financing Rising rates and funding mix supportive of improving margin Profitability Cost to Income Ratio 34.7% Below 35% Below 32% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Improving NPM, efficiency and COR driving improving Return on Equity 13.7% Above 13% Above 17% ROE Asset Quality Cost of Risk 0.85% 65-75bps 60-70bps Capital CAR Pillar 1 19.8% 4Q 2022 INVESTOR PRESENTATION Return on Equity Target for 2025 above 18% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 17%-18% Increasing RWAs from strong expected financing growth 44/49#45Appendix 4Q 2022 مصرف الإنماء alinma bank digital. fast. convenient.#46ESG 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; digital zones are available in all branches Energy efficient lighting are now in all branches. Planning to extend to Head Office Air conditioning timers installed in 20 branches; 10% reduction in electricity usage Renewable (solar) energy sources piloted across regions, and has been installed on 12 branches titi Social +88,476 employee training hours and +4 employee townhalls conducted YoY 1% of annual profit allocated to CSR activities 1st KSA bank to sign the Women's Empowerment Principles (WEPs); 36% new women hires in 4Q 22 Community focus with growth YoY in SME financing from Kafalah (+46%) and POS (+108%) 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 Leader Average Laggard 0-10 10-20 20-30 High 30-40 Severe S&P Global 40+ 4Q 2022 INVESTOR PRESENTATION 25/100 ESG Score ESG Invest By SUSTAINABILITY EXCELLENCE 46/49#47ESG 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 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 > Members Saad Al Kroud JT Chairman Ahmed Al Alsheikh Member ma Saud Al Nemer Member صرف a ba 4Q 2022 INVESTOR PRESENTATION Dina Al Nahdy Member *Appointed in Jan, 2023. 47/49#48IR Contacts مصرف الإنماء alinma bank Ahmed Sager Head of Investor Relations Mobile: +966-53-775-3352 Direct: +966-11-218-6364 Email: [email protected] Ibrahim Al Khudair Investor Relations Assistant Manager Mobile: +966-55-788-5520 Direct: +966-11-218-6181 Email: [email protected] Nawaf Alsheikh Investor Relations Officer Mobile: +966-55-888-8695 Direct: +966-11-218-7732 Abdulrahman Binaumairh Investor Relations Officer Mobile: +966-58-119-1855 Direct: +966-11-218-7665 Email: [email protected] Email: [email protected] Visit our new website here for more investor disclosures: Financial statements Annual reports Investor presentations Earnings call transcripts 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 digital. fast. convenient.#49Disclaimer 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. 49/49

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