Alinma Bank · TADAWUL:1150
Alinma Bank — Q2 2025 Earnings Presentation
49 slides from Alinma Bank's earnings presentation, July 2025
Slide 1: Investor Presentation 2Q 2025
Investor Presentation 2Q 2025 July 2025 digital. fast. convenient.
Slide 2: Table of Contents
Table of Contents VN © UW B W N Alinma Overview Strategy Update Historical Financial Performance 1H 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 dne Step Ahead Financial Position] id __RatingStrength Retail Digital Snapshot _] tal Snapshot Net Profit Margin 3.63% Monthly 6.5% #1inKSA = “709 Pika A- 312m Average Users (Smart Phe ses 7.19 ROE 18.02% Daily Average % #2inKSA == Moody's Ae vn Be Logins) ep 7.8% Ro 2.14% Digital #3
Slide 6: Management Team
Management Team Alinma has built an experienced new management team poised to execute its strategy Abdullah Ali Al Khalifa Chief Executive Officer Jameel Naif Al Hamdan Chief Corporate Banking Officer Meshal Hamad Al Rabiah Risk Officer Saud Aied AlMufaddaly Chief Compliance Officer Ailes ses in a S
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 202025 INVESTOR 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 29 2025 2025 Strategic Ambitions Achievements Initiatives In-Progress 0. Driving Agile delivery of IT , Q Established an rojects a Build digital factory and apply (Fre) Digital latest available technologies - eae
Slide 11: Retail
Retail Focus on building two customer franchises 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: 20.22 Initiatives Complet
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: 171,21 Initiatives Completed 80% 202025 INVESTOR PRESENTATION 1. Large, mid-corporate &
Slide 13: Treasury
Treasury alinnna Become core partner for corporate clients and grow FI franchise Focus to date 1. Derivative products 2. Enhanced finan 3. High Quality Asset Liability Alinma Liquidity management and institutions franchise Management Treasury Vision stable risk Strong track record 0 Grow product por
Slide 14: Digital
Digital Build Digital to scale customer experience and operational excellence across the bank across Advanced Analytics and Big Dato, AlandRPA Projects are driven by Agile ways of working Augment digital work force with best in class talents and upskill digital teams by establishing digital training
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 1. Drive cultural change agenda Female Empowerment Future Focus Hire Top Talent Initiatives Completed to Key
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Slide 17: Historical Financial Performance
Historical Financial Performance Q2 2025
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Slide 37: Segmental Performance
Segmental Performance Q2 2025 . digital. fast. conve
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Slide 45: Guidance
Guidance Acceleration of strategic execution drives a promising outlook for 2025 2Q 2025A 2025G Drivers Financing +8% Solid Mid-Corp, SME & Retail growth from Balance Sheet strategic initiatives; continuing the (ae Growth YTD growth in corporate financing Net Profit 3.52% -20bps to -1Obps Declining
Slide 46: Appendix
Classification: Private
Slide 47: Sustainability
Sustainability Alinma released its 2024 Sustainability report Inspiring Cultures Creating Impact Sustainability Report 2024 cLoilll alinma 202025 INVESTORPRESENTATION In the third annual sustainability report, we feature our sustainability commitments, strategy, and journey as part of our ongoing co
Slide 48: Investor Relations
Investor Relations Email: |R@alinma.com Visit our IR website: ir.alinma.com for more investor disclosures: B Financial Annual Sustainability statements reports reports Earnings " Ce presentations transcripts io [=] Earnings call B Fact Sheet Al Anoud Tower, King Fahad Road P.O. Box 66674, Riyadh 115
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