1Q 2022 INVESTOR PRESENTATION

P&L Trends مصرف الإنماء alinma bank Net income for 1Q 2022 grew by 28% YoY due to 13% income growth and lower impairment charges Management Commentary Net Income Movement YoY (SARmn) ■ Net income for 1Q 2022 grew 28% YoY to SAR 825mn from 13% income growth and a 29% decrease in impairments despite 18% higher operating expenses YoY. +28% 96 105 101 2 825 ■ 1Q 2022 net income improved 33% QoQ driven by 7% increase in income and a 19% decrease in impairments. 642 SAR (mn) (100) (21) 1Q 2022 4Q 2021 A% 1Q 2021 A% Net income Funded 1Q 21 income Non-Funded Operating Impairments Associate & income Expenses JV Zakat Net income 1Q 22 Funded income 1,310 1,309 +0% 1,204 +9% Non-Funded income 498 373 +34% 402 +24% Operating Income Composition (SARmn) Total operating income 1,808 1,682 +7% 1,606 +13% Operating Expenses 642 684 -6% 543 +18% Net operating income before 3% 5% 4% 1,165 998 +17% 1,064 +10% impairment charge Impairments 243 301 -19% 344 -29% 15% Net operating income 922 697 +32% 720 +28% 1,808 Income before zakat & income tax 920 691 +33% 716 +28% 73% Zakat 95 72 +32% 74 +29% Net income 825 619 +33% 642 +28% 1Q 2022 INVESTOR PRESENTATION Funded income Fees from services Exchange income Investment gains/dividends Other income 24/49

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