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3Q 2022 Results Presentation

Net Impairment & Cost of Risk | Lower net impairment resulted in cost of risk improvement Net Impairment Charges (SARmn) -17.5% 594 590 578 580 490 Cost of Risk (%) 0.62% 0.60% 0.48% 0.47% 0.43% 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 9M 21 FY 21 1Q 22 1H 22 9M 22 Movement in Net Impairment (SARmn) 1,755 -6.0% 1,649 (106) (0) Movement in Net Impairment by Group (SARmn) 1,755 (640) -6.0% 534 1,649 9M 21 Gross charges Recoveries 9M 22 9M 21 Retail Non-Retail 9M 22 3Q 2022 Results Presentation 11 8

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