3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | NON-INTEREST INCOME Non-interest income increased 3% YoY as higher trading and fee & commission income was partly offset by lower investment income ■ Non-interest income for 9M 2023 increased 3% YoY to SAR 1,166mn as higher trading and fee & commission income was partly offset by lower investment income. Trading income grew 19% YoY to SAR 152mn due to increased activity in the Treasury markets advisory business. ■ Net fee & commission grew 4% to SAR 677mn in 9M 2023 as higher trade finance and other fee income was offset by lower brokerage income. Non-Interest Income Movement (SAR Mn) 1,166 +3% SAR (Mn) 1,126 9M 2023 9M 2022 A% 3Q 2023 3Q 2022 A% 27 24 27 3 (20) البنك السعودي الفرنسي Banque Saudi Fransi 4 1,166 Fee & commission income 1,083 1,045 +4% 381 338 +13% Fee & commission expenses (406) (395) +3% (150) (131) +14% Net fee & commission income 677 650 +4% 231 207 +12% Non-interest income 9M 22 Net fee & commission Exchange Income Trading income Investment-related income Other income income Non-interest income 9M 23 Exchange Income 337 334 +1% 113 136 -16% Trading income 152 127 +19% 72 20 20 Non-Interest Income (SAR Mn) Banking-Related Income (SAR Mn) +267% Banking-related income 1,166 1,111 +5% 417 362 +15% 400 417 Investment-related income Other income 15 (6) 14 -143% (17) 4 -522% 1 +422% 0 0 -35% +9% +15% Non-interest income 1,166 1,126 +3% 400 366 +9% 464 462 406 394 400 400 417 390 354 366 372 349 362 360 Trade Finance 124 +21.9% SAR Million year-on-year Brokerage & Asset Management Income +7% QoQ +16% QoQ 75 +14.7% year-on-year 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 SAR Million | 34

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