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2Q 2023 Investor Presentation

Operating Income Trends | Lower operating income driven by higher cost of funding Total Operating Income (SARmn) -4.5% 7,148 7,206 7,264 6,781 6,827 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 Net Profit Margin (%) 5.14% 5.21% 4.26% 4.34% 4.52% 3.00% 2.98% 3.76% 3.66% 3.55% 0.50% 0.68% 2.14% 2.23% 0.97% Total Operating Income Growth Drivers By Type (SARmn) 14,104 (588) 28 -3.5% 44 19 13,608 1H 22 Net Yield Fee banking services, net Exchange income, net Other income, 1H 23 net NPM Drivers (%) -78 bps 0.29% 0.37% 0.23% 3.76% 0.06% 2.98% -1.73% 1H 22 Retail 1H 22 9M 22 NPM (%) FY 22 Gross Yield (%) 1Q 23 1H 23 Corporate Treasury CoF Mgmt Actions 1H 23 CoF (%) 2Q 2023 Investor Presentation 26 8

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