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Investor Presentaiton

Financing Credit Impairments & Cost of Risk 28bps reduction in COR from Wholesale recoveries Impairment Charge For Financing & Advances Movement YoY (SARmn) 1,555 -68% 128 503 (1,105) (75) Domestic: SAR-977mn (-77%) -124% +34% -26% 9M 22 Wholesale Retail Int'l 9M 23 Impairment Charge for Financing & Advances Composition (%) Capital Markets 0.3% Wholesale -42.0% SNB | 3Q 2023 | Investor Presentation Int'l 43.4% Retail 98.3% 1 COR including POCI Cost of Risk YTD (%)¹ 0.39% o 0.33% 0.35% 0.33% 0.29% 0.20% 0.27% SNB 2023 Guidance 0.1% to 0.3% O 0.12% 0.13% * 0.07% 9M 22 FY 22 -O-Group 1Q 23 1H 23 --Group excl. Int'l 9M 23 Cost of Risk Movement YoY (%) ¹ -28bps 0.39% 0.02% 9M 22 Retail 0.12% -0.27% -0.02% Domestic: -25bps Wholesale Int'l 9M 23 34

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