Investor Presentaiton

Credit Quality Profile / Strategy / Sustainability / Environment / Financials / Appendix NPL Coverage improved to 127.9% driven by the conservative provisioning NPL coverage ratio improved by 15.9% to 127.9% as a result of proactive conservative provisioning during 9M 2023. The consumer NPL coverage ratio reached 97.6% as of 30 September 2023, improving by 17.8%. The commercial NPL coverage ratio reached 142.4%, improving by 15.9%. Total Allowances (SARbn) +7% NPL Coverage Ratio (%) 4.8 4.6 4.7 4.7 120.7% 4.4 117.5% 115.5% 112.0% Consumer Coverage 3Q-23 127.9% QoQ +8% -3% +2% +1% Stage 3 coverage declined by 6.9% YTD to 3Q-22 4Q-22 1Q-23 2Q-23 3Q-23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 47.5%. Gross Loans & Advances (SARbn) ECL Allowances (SARbn) Commercial Coverage 3Q-23 Stage-wise ECL on Gross Loans (%) +17.8% YTD 97.6% +15.9% YTD 142.4% +10% -0.38% 54.3% 53.6% 51.2% 52.2% 267.8 271.9 4.8 4.7 4.7 47.5% 247.1 4.9 13.9 4.8 16.9 4.7 19.1 2.3 2.7 2.5 228.3 246.2 248.0 11.1% 11.1% 11.3% 1.9 1.5 1.6 0.26% 0.23% 0.21% 9.6% 0.22% 9.9% 0.24% +2% 0.5 0.6 +1% 0.6 QoQ QoQ 4Q-22 ■Stage 1 2Q-23 Stage 2 3Q-23 4Q-22 2Q-23 3Q-23 3Q 22 4Q 22 1Q 23 2Q 23 Stage 3 ■Stage 1 ■Stage 2 ■Stage 3 Stage 1 -Stage 2 3Q 23 Stage 3 Riyad Bank - Investor Presentation - 30/09/23 General Business 27

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