Investor Presentaiton

2023 Guidance and Outlook 2022A 9M 2023A 2023 GUIDANCE +19% +16% YTD Balance Sheet LOANS & ADVANCES YoY NET INTEREST MARGIN 2.92% +33bps YoY 3.07% Mid to high teens 3.00% 3.05% +24bps YoY Profitability COST TO INCOME RATIO 43.9% 41.7% 41% -42% -2.5ppt YoY -2.9ppt YoY RETURN ON TANGIBLE EQUITY Asset Quality COST OF RISK Capital TIER 1 RATIO 9.9% +3.Oppt YoY 12.2% +1.5ppt YoY 0.25% -17bps YoY 17.6% -2.5ppt YoY 0.43% > 12.0% 0.45% -0.50% +59bps YoY 18.6% -1.Oppt YTD DRIVERS Strong growth in Corporate and Private Banking loans; guidance unchanged from 2Q 23 Guidance downgraded from 3.10% - 3.20% on faster than expected shift in deposit mix Guidance upgraded from 42% - 43% on improved cost control Guidance modestly upgraded to >12.0% from >11.5% on increased certainty Guidance tightened from 0.45%- 0.55% on increased certainty > 18.75% Guidance unchanged as 4Q 23 net income generation to improve T1 FOCUSED ON DELIVERING STRONG RESULTS ACROSS KEY PERFORMANCE INDICATORS The Saudi Investment Bank - 3Q 2023 Investor Presentation P. 37

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