Investor Presentation

Riyad Capital Profile / Strategy / Sustainability / Environment / Financials / Appendix Riyad Capital net income declined by 23% YoY impacted by slow brokerage activity and interest rate environment Net income before zakat of Riyad Capital declined by 23% to SAR 386 mn for 9M 2023 mainly due to decreasing fees impacted by the environment. Total operating income declined by 15% YoY for 9M 2023, and by 9% for 3Q 2023. Net Income Before Zakat Movement YoY (SARmn) SAR (mn) 3Q-2023 3Q-2022 YoY % Change 9M-2023 9M-2022 YoY % Change -23% NSCI 67 57 +17% 188 186 +1% 503 1 Fee & other income 146 176 -17% 434 546 -20% 386 (112) (6) Operating expenses remained broadly stable increasing by 3% YoY for 9M 2023. Total operating income 213 233 -9% 622 732 -15% Operating expenses (85) (87) -3% (235) (229) +3% before impairments 9M-22 +1% NSCI Net income before zakat 128 145 -12% 386 503 -23% -20% Fee & other income +3% Opex before impairments 9M-23 Total Operating Income (SARmn) Net Income Before Zakat (SARmn) Total Assets (SARbn) -4% Brokerage Value Traded (SARbn) -9% -12% 233 145 217 213 139 4.5 4.4 151.9 4.3 128 176 153 146 57 64 -2% QoQ 3Q-22 2Q-23 3Q-23 NSCI Fee & other income Riyad Bank - Investor Presentation - 30/09/23 67 -30% 105.9 -8% QoQ -3% QoQ -30% YOY 3Q-22 2Q-23 3Q-23 4Q-22 2Q-23 3Q-23 9M-22 9M-23 General Business 46

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