4Q 2022 INVESTOR PRESENTATION

4Q 2022 P&L Highlights Net income for FY 2022 grew by 33% YoY from 18% 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

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