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Investor Presentaiton

Credit Quality Improving NPL ratio YTD from write-offs in Wholesale Credit Impaired Financing Movement YTD (SARbn) NPL Ratio (%) 1.62% SNB -8% 9.0 0.1 3.2 11.5 8.3 1.57% 1.53% 1.59% (0.8) (0.0) 1.36% 1.34% Domestic: SAR -0.7bn 1.37%¹ - 1.33% NPLS 4Q 22 (-8%) +7% -11% -1% Retail Wholesale Int'l NPLs 3Q 23 POCI balance Impaired financing 3Q 23 1.30% 1.30% 3Q 22 4Q 22 -0-Group 1Q 23 2Q 23 --Group excl Int'l 3Q 23 NPL Composition (%) Int'l 5.7% Wholesale 76.6% О Retail 17.8% SNB | 3Q 2023 | Investor Presentation 1 Group including POCI: 1.90% NPL Composition by Sector (%) Building & construction 9.5% Consumer 17.8% Manufacturing 28.6% о Other 6.0% Commerce 38.1% 35

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