1Q 2022 INVESTOR PRESENTATION

Net Profit Margin مصرف الإنماء alinma bank Average balance of investments and financing grew 12%; while net profit margin saw a modest decline of 10bps YoY Average Balance of Investments & Financing (SARbn) +12% 143.2 148.7 152.7 156.8 160.7 116.2 120.3 122.5 125.6 129.7 Net Profit Margin YoY (%) -10bps 3.62% 3.41% 3.32% 3.31% 3.31% 27.0 28.4 30.1 31.2 31.0 QoQ 1Q 21 +4% 2Q 21 +3% 3Q 21 +3% 4Q 21 +2% 1Q 22 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 Investments Financing QoQ -9bps +30bps -31bps Obps Net Profit Margin Movement YoY (%) 3.41% 0.07% -10bps SAIBOR: 3M Average Trend (%) 1.5% 0.90% 1.0% 0.81% 0.79% 0.80% 3.31% 0.5% 1.39% -0.17% 0.00% 0.0% Net profit margin Investments Financing yield COF rate yield Net profit 1Q 21 1H 21 9M 21 FY 21 1Q 22 margin 1Q 21 1Q 22 *Comparatives are reclassified to align with the 1Q 2022 financial statements 1Q 2022 INVESTOR PRESENTATION Management Commentary ☐ Average balance of investments and financing grew 12% YoY. ■ The net profit margin decreased modestly by 10bps YoY to 3.31% YoY. Average 3M SAIBOR increased 49bps during 1Q 2022 and 58bps YoY. 29/49

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