Alinma Bank · TADAWUL:1150
Alinma Bank — Q1 2025 Earnings Presentation
49 slides from Alinma Bank's earnings presentation, May 2025
Slide 1: Investor Presentation 1Q 2025
Investor Presentation 1Q 2025 May 2025 digital. fast. convenient.
Slide 2: Table of Contents
Table of Contents VN © UW B W N Alinma Overview Strategy Update Historical Financial Performance Q1 2025 Financial Performance Segmental Performance Outlook & Guidance Appendix
Slide 3: Classification: Private
Classification: Private
Slide 4: Classification: Private
Ʀ Ʀ Ʀ Ʀ 4 Classification: Private
Slide 5: Alinma Overview
Alinma Overview dne Step Ahead “Financial Position) ile “_RatingStrength ~ Retail Digital Snapshot _] tal Snapshot Net Profit Margin 3.70% A- 30.7m Monthly 6.6% #2inKSA °°?" Fitch aces (stable J Logins) paily A 7.2% ROE 18.80% aily Average #2inKSA == Moody's Ae vn Be Logins) ep 7.9% ROA 2.27% Digita
Slide 6: Management Team
Management Team Alinma has built an experienced new management team poised to execute its strategy Saleh Abdullah Al Zumaie Deputy Chief Executive Officer Abdullah Ali Al Khalifa Chief Executive Officer Jameel Naif Al Hamdan Abdullah Jamaan Al Zahrani Chief Corporate Banking Officer Chief Treasury O
Slide 7: Classification: Private
Classification: Private
Slide 8: Strategic Positioning
Strategic Positioning Alinma Bank's strategic positioning cascades down into each business strategy Excellence Shariah Compliance Digital Corporate Retail im Treasury ‘1Q2025INVESTOR PRESENTATION Bank wide Segment wise alinma Be recognized and Bethe #1 Be the#1 celebrated as the in Net Promoter Empl
Slide 9: Strategy Overview
Strategy Overview alinma Key success factors for Alinma's strategic positioning "Most digitally advanced, fastest,andmostconvenient =. “Best customer experience and = fastest turnaround time" bank" m ~. ~ = “Large, Mid Corporate Affluent GHNW ait La "Project Finance Youth ~~. ai - "High-quality SME
Slide 10: Strategy Progress Update
Strategy Progress Update Driving changes across the businesses and bank-wide 2021-2025 19 2025 2025 Strategic Ambitions Achievements Digital Build digital factory and apply latest available technologies - Advanced Analytics (AA), Aland Big Data 0 Lau Finance Platform, migrated all trade customers ©
Slide 11: Retail
Retail Focus on building two cust Focus to date Wealth Segments Acquisition focused = classic segments Gold, Platinum, Diamond, and Private segment customers driving Focus majority of deposits Digital capabilities to acquire customers Initiatives Completed to Date: 19,22 Initiatives Completed EE 8G%
Slide 12: Corporate
Corporate Evolve the bank and diversify across sectors Focus to date Large corporates and project finance Focused on lending ™ Leveraging Kafalah program Build the cross-sell model Initiatives Completed to Date: 16,21 Initiatives Completed 76% ‘1Q2025INVESTOR PRESENTATION 1. Large, mid-corporate & p
Slide 13: Treasury
Treasury Become core partner for corporate clients and grow FI franchise Focus to date Liquidity management and stable risk | Strong track record with well-managed liquidity profile and investment revenue Future and stable risk Focus Fi customers serviced well Initiatives Completed to Date: 12nz Ini
Slide 14: Digital
Digital Build Digital to scale customer experience and operational excellence across the bank Focus to date Driving digital capabilities Pursuing | across Advanced Analytics and Big Dato, AlandRPA Projects are driven by Agile ways of working Focus Augment digital work force with best in class talent
Slide 15: Human Capital
Human Capital linens Fostering a great working environment and being the cultural transformation champions in the organization Focus to date 1. Drive cultural 2. Grow capabilities 3. Organizing Alinma for Alinma iring and training change agenda across the bank success Human Capital Vision ac ies Imp
Slide 16: Classification: Private
Ʀ Ʀ Ʀ Ʀ Ʀ Ʀ Classification: Private
Slide 17: Historical Financial Performance
Historical Financial Performance Q12025
Slide 18: Classification: Private
Ʀ Ʀ Ʀ Classification: Private
Slide 19: Classification: Private
Ʀ Ʀ Ʀ Classification: Private
Slide 20: Classification: Private
Classification: Private
Slide 21: Classification: Private
Ʀ Ʀ Ʀ Ʀ Ʀ Ʀ Ʀ Classification: Private
Slide 22: Classification: Private
Ʀ Ʀ Ʀ Ʀ Ʀ Ʀ Classification: Private
Slide 23: Classification: Private
Ʀ • • Ʀ Δ Δ Ʀ Classification: Private
Slide 24: Classification: Private
Ʀ • Ʀ • Ʀ Δ Δ Ʀ Classification: Private
Slide 25: Classification: Private
Ʀ Ʀ Ʀ • • • Classification: Private
Slide 26: Classification: Private
Ʀ Ʀ Ʀ Ʀ • • Classification: Private
Slide 27: Classification: Private
Ʀ Ʀ Ʀ • • • Classification: Private
Slide 28: Classification: Private
Ʀ Ʀ Ʀ Ʀ • Ʀ • Classification: Private
Slide 29: Classification: Private
Ʀ • • Classification: Private
Slide 30: Classification: Private
Ʀ Ʀ Ʀ • Ʀ • Classification: Private
Slide 31: Classification: Private
Ʀ Ʀ Ʀ • Ʀ • • Classification: Private
Slide 32: Classification: Private
Ʀ Ʀ Ʀ • Ʀ • • Classification: Private
Slide 33: Classification: Private
Ʀ Ʀ Ʀ • • 2.7 • Classification: Private
Slide 34: Classification: Private
Ʀ Ʀ • Classification: Private
Slide 35: Classification: Private
Ʀ Ʀ • Ʀ • • Classification: Private
Slide 36: Classification: Private
• • • • Classification: Private
Slide 37: Segmental Performance Q1 2025
Segmental Performance Q12025 . digital. fast. conve
Slide 38: Classification: Private
Ʀ Ʀ Ʀ Ʀ Classification: Private
Slide 39: Classification: Private
Ʀ Ʀ Ʀ Ʀ Classification: Private
Slide 40: Classification: Private
Ʀ Δ Δ Ʀ Ʀ • Ʀ • • • Classification: Private
Slide 41: Classification: Private
Ʀ Δ Δ Ʀ 148.4 Ʀ Ʀ • • • Classification: Private
Slide 42: Classification: Private
Ʀ Δ Δ Ʀ Ʀ • Ʀ • Ʀ Ʀ Classification: Private
Slide 43: Classification: Private
Δ Δ Ʀ Ʀ Ʀ Ʀ • Ʀ • • Classification: Private
Slide 44: Classification: Private
Classification: Private
Slide 45: Guidance
Guidance Acceleration of strategic execution drives a promising outlook for 2025. 10 2025A 2025G Drivers Financing +15.9% Solid Mid-Corp, SME & Retail growth from Balance Sheet strategic initiatives; continuing the (ae Growth YoY growth in corporate financing ; Declining rates, combined with anticip
Slide 46: Classification: Private
Classification: Private
Slide 47: Our ESG in progress
Our ESG in progress Our Values & Launch sustainable finance products Progress2024 1 Towards passion Environment Status On track 2025Target Launch3 products Increase percentage of sustainable corporate financing Progress2024 14.84% Status Achieved 2025Target 20%increase frombaseline Reduce total scop
Slide 48: Investor Relations
Investor Relations Email: |R@alinma.com Visit our IR website: ir.alinma.com for more investor disclosures: Financial s Annual Sustainability & statements reports reports ial Investor fj Earnings call presentations transcripts Al Anoud Tower, King Fahad Road P.O. Box 66674, Riyadh 11586 Kingdom of Sa
Slide 49: Disclaimer
Disclaimer alinma 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 w