1Q 2022 INVESTOR PRESENTATION

Guidance Guidance is unchanged and the 2022 outlook remains promising مصرف الإنماء alinma bank 1Q 2022A Drivers 2022G Unchanged Balance Sheet Financing Growth +10% YoY Strong Mid-Corp, SME & Retail growth from strategic initiatives; solid corporate growth from expected credit demand Mid-teens Net Profit Margin 3.31% -10bps YoY Rising rates and strong funding mix supportive of improving margin +10bps to +15bps Profitability Cost to Income Ratio 35.5% Growth in income, digitization & process optimization driving efficiencies, partly offset by strategic investments Below 35% Return on Equity 12.6% Improving NPM, efficiency and COR driving improving ROE Above 13% Asset Quality Cost of Risk 0.73% Cautiously expecting stable credit quality and NPL coverage, leading to COR moderation 65-75bps Capital 1Q 2022 INVESTOR PRESENTATION CET1 18.2% Increasing RWAs from strong expected financing growth 16%-17% > > くく 46/49

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