Investor Presentation

Net Special Commission Income Profile / Strategy / Sustainability / Environment / Financials / Appendix Net Special Commission Income grew by 29% YoY due to margin improvement and loan growth Net special commission income amounted to SAR 9,272 million for 9M 2023, an increase of +29% over the corresponding period in 2022, due to the increase in commission income partially offset by the rising commission expenses. Special commission income increased by 70% YoY in 9M 2023 driven by rates increase and loan book expansion. Special commission expenses increased 3.5x YoY in 9M 2023 in the rising funding rates environment. NSCI Movement YoY (SARmn) 660 5,058 7,201 +29% 472 9,272 (4,119) Quarterly NSCI (SARmn) +15% 3,088 3,109 3,075 2,852 2,672 ||||| 9M-22 +70% Loans +205% SAMA & bank placements +39% Investments +255% CoF 9M-23 Special Commission Income (SARmn) 8,815 +70% 15,006 Special Commission Expense (SARmn) 1,614 +255% 5,733 3Q-22 4Q-22 1Q-23 2Q-23 3Q-23 9M-22 9M-23 9M-22 9M-23 Riyad Bank - Investor Presentation - 30/09/23 General Business 34

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