3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | BALANCE SHEET HIGHLIGHTS Balance sheet growth driven by lending, funded by IBD growth. ■ Growth in total assets of 8% YTD, mainly driven by healthy 10% loan growth. ■ Liabilities grew by 9% during 9M 2023 from 6% deposit growth, a 22% increase in interbank and SAMA borrowings, and an 81% rise in debt securities. ■ Total equity increased 1% YTD due to retained earnings generation, partly offset by reserve movements. Total Assets Movement (SAR Bn) 249.9 +8% البنك السعودي الفرنسي Banque Saudi Fransi 232.1 15.7 0.8 249.9 0.3 1.9 SAR (Mn) Cash & SAMA balances Due from banks Investments Loans & advances Other assets Total assets 3Q 2023 2Q 2023 A% 4Q 2022 A% (0.8) 10,483 10,084 +4% 11,326 -7% 5,127 3,795 +35% 4,795 +7% 46,390 49,178 -6% 44,518 +4% Total assets 4Q 22 Cash & SAMA balances Due from banks Investments Loans & advances Other assets Total assets 3Q 23 174,681 169,695 +3% 159,012 +10% Due to banks & SAMA 13,182 249,862 20,540 12,967 +2% 12,428 +6% Total Liabilities Movement (SAR Bn) 245,718 +2% 232,078 +8% 22,766 -10% 16,770 +22% 210.6 Customers' deposits 166,367 161,165 +3% 157,592 +6% Debt securities & term loans 8,175 8,233 -1% 4,515 +81% +9% Other liabilities 15,497 13,859 +12% 14,455 +7% 12.0 3.7 1.0 210.6 Total liabilities 210,580 206,022 +2% 193,333 +9% 193.3 3.8 Share capital 12,054 12,054 +0% 12,054 +0% (3.3) Retained earnings 11,855 11,805 +0% 9,768 +21% Other reserves 10,375 10,837 -4% 11,924 -13% Tier 1 Sukuk 5,000 5,000 +0% 5,000 +0% Total liabilities 4Q 22 Due to banks, other FI & SAMA NIBD IBD Debt securities & term loans Other Total liabilities 3Q 23 Total equity 39,283 39,696 -1% 38,745 +1% | 26

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