Alinma Bank · TADAWUL:1150
Alinma Bank — 9M 2025 Earnings Presentation
49 slides from Alinma Bank's earnings presentation, October 2025
Slide 1: Investor Presentation October 2025
Investor Presentation 30 2025 October 2025 digital. fast. convenient.
Slide 2: Table of Contents
Table of Contents VN © UW B W N Alinma Overview Strategy Update Historical Financial Performance 9M 2025 Financial Performance Segmental Performance Outlook & Guidance Appendix
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Slide 4: Alinma Overview
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Slide 5: Alinma Overview
Alinma Overview cLoilll Ine Step Ahead aD Gt: AMarketShare Net Profit Margin 3.52% Monthly 6.6% Assets #2inKSA = 2029) Fitch A- 33.7m average Users Booey (Smort Phone Users { stobie ] Logins) oz, Financin: 7.2% porns? ROE ae.aax Daily Average #2inKSA (202025) Moody's A2 1m User: ante BO Logins) ; <>
Slide 6: Management Team
Management Team Alinma has built an experienced new management team poised to execute its strategy Abdullah Ali Al Khalifa MD & Chief Executive Officer Jameel Naif Al Hamdan Chief Corporate Banking Officer Meshal Hamad Al Rabiah Risk Officer Saud Aied AlMufaddaly Chief Compliance Officer Ailes sz: i
Slide 7: Strategy Update
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 39.2025 INVESTOR PRESENTATION Bank wide Segment wise alinma Be recognized and Bethe #1 Be the#1 celebrated as the in Net Promoter Emp
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 3Q 2025 Strategic Ambitions Achievements Build digital factory and apply © Launched Digital Salary Advan Digital latest available technologies - Advanced Analytics (AA), Aland @ Biss | Sue =Faremal nen. Big Data ©
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 majority of deposits Digital capabilities to acquire customers Initiatives Completed to Date: 22222 Initiatives Completed EE 100% 3Q 2
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: 20.21 Initiatives Completed 95% 39.2025 INVESTOR PRESENTATION 1. Large, mid-corporate &
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 and stable risk Fi customers serviced well Initiatives Completed to Date: 12nz Initiatives Comp
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Slide 15: Human Capital
Human Capital Fostering a great working environment and being the cultural transformation champions in the organization Focus to date iring and training activities Improve Work ™ Environment Female Empowerment Future Focus Hire Top Talent Initiatives Completed to Date: 910 Initiatives Completed EE 1
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Slide 17: Historical Financial Performance
Historical Financial Performance Q3 2025
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Slide 37: Segmental Performance
Segmental Performance Q3 2025 4 digital. fast. conver
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Slide 45: Guidance
Guidance Acceleration of strategic execution drives a promising outlook for 2025 30 2025A 2025G Drivers Financing +12% Solid Mid-Corp, SME & Retail growth from strategic initiatives; continuing the (ae Ere enrse is3 Growth YTD growth in corporate financing Net Profit 3.46% Declining rates, combined
Slide 46: Appendix
Classification: Private
Slide 47: Sustainability
Sustainability Alinma released its 2024 Sustainability report Inspiring Cultures Creating Impact Sustainability Report 2024 cLoilll alinma 39.2025 INVESTOR PRESENTATION In the third annual sustainability report, we feature our sustainability commitments, strategy, and journey as part of our ongoing
Slide 48: Investor Relations
Investor Relations App Our IR App will keep you up-to-date with the latest development - from latest share prices and press releases to IR calendar, financial a. results and our document library on the go nload on t @ App Store Financiol Colendor 39.2025 INVESTOR PRESENTATION Investor Relations Emai
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