Investor Presentaiton

Loan growth continues to gain momentum driven by corporate lending 16% YTD growth in loans driven by 23% increase in corporate lending Active participation in syndicated loan market for infrastructure projects, well supported by demand from other key sectors such as commerce, financial institutions, building & construction and services Retail lending grew 2% YTD as consumer loans declined 4% YTD, partially offset by an increase of 6% in private banking lending Loans & Advances Movement YTD (SAR bn) +16% 5.3 2.1 1.7 1.7 1.6 68.9 +4% Loans QoQ Loans & Advances by segment (%) Retail Private Banking Corporate 73% +16% Loans YTD Others (0.4) (0.6) Loans & Advances by economic activity (%) Commerce Banks & FI 2% 11% 14% 17% 80.2 26% ☐ Consumer Private Banking 4Q 22 Govt./ Commerce Banks & Fl Services Quasi Govt. Building Consumer & Const. Others 3Q 23 The Saudi Investment Bank - 3Q 2023 Investor Presentation Building & Const. Others 14% 7% Govt. / Quasi Govt. 10% 13% 14% P. 27

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