PitchSend

3Q 2023 Investor Presentation

In strong position to deliver the "Bank of the Future" | Good progress made on strategy implementation Bank Build on our core OF Outperform our competition The Transform technology Future Focus on new client needs Grow Retail including Private Sector Retail financing growth SAR 251 Bn. FY 2020 Customer Experience Customer NPS 70% SAR 425 Bn. 66% 3Q 2023 FY 2020 Expand Corporate Corporate financing growth SAR 53 Bn. 151% FY 2020 Bank of Choice for SMEs SME Financing growth SAR 10 Bn. FY 2020 Digital Core Banking Platform Digital/Manual ratio Become Leading Finance Company Emkan financing total (SAR) +7% 73% 3Q 2023 83/17 +11% 94/6 SAR 3.2 Bn. FY 2020 3Q 2023 FY 2020 Preferred Employer Employee Engagement Index SAR 134 Bn. 70% 3Q 2023 FY 2020 +4% Market Share Market share of KSA banking assets 200% SAR 30 Bn. 16.9% 3Q 2023 FY 2020 Grow Demand Deposits Demand Deposits growth SAR 333 Bn. FY 2020 10% +5% Preferred Loyalty Program Loyalty program customers enrolled SAR 365 Bn. 3Q 2023 2.4mm FY 2020 Improve Revenue Mix Non-yield Income to Operating Income 18.4% FY 2020 +5% 3 Q2 0 2 3 Investor Presentation 363% Leader in Financial Conduct ESG Rating 232% SAR 10.7 Bn. 3Q 2023 Data Leader for Customer Insights Active Digital Customer penetration Develop Best Payments Solution POS Market Share 74% 7.9mm 3Q 2022 FY 2020 58% Modernize our technology Number of Robots 22.0% 310 3Q 2023 FY 2020 12.5mm 28.4% 3Q 2023 FY 2020 35.1% +7% 3Q 2023 Grow Private Bank New Private Banking products 66% 515 3Q 2023 FY 2020 Leverage our Infrastructure Alrajhi Banking App Rating 11.1mm 4.8 3Q 2023 FY 2020 Adopt Agile Delivery Transactions per month average 23.2% BB +1 BBB 295mm 3Q 2023 FY 2020 3Q 2023 FY 2020 16 177% Expand our customer reach Number of Active customers 4.7 9.6mm 3Q 2023 FY 2020 58% 17 3Q 2023 15.2mm 3Q 2023 Deepen Relationships via X-Sell 360-degree system to serve clients 817mm 3Q 2023 FY 2020 100% 3Q 2023 8

View entire presentation