Investor Presentaiton

Credit quality improved further with NPL ratio at low levels Impairment for loans Other impairments Cost of risk 249 10 81 80 87 239 Total impairments increased SAR 306mn YoY in 9M 2023 mainly due elevated recoveries in 9M 2022 totaling SAR 294mn vs. SAR 45mn in 9M 2023 Cost of risk at 0.43% in 9M 2023 remained low Non-performing loans ratio decreased by 9bps YTD to reach 1.48% NPL coverage ratio at 169.1% as of 9M 2023 improved by 6.1 ppts YTD, stage 3 expected credit loss coverage also moved up to 49.3% on additional provisioning of certain exposures Impairments (SARmn) 7 NPL Ratio 81 80 87 -0.16% 0.45% 0.43% 0.25% 0.43% (156) (149) 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 9M 22 FY 22 1Q 23 1H 23 9M 23 NPL Coverage Ratio ECL Coverage -- Stage 1 Stage 2 Stage 3 47.0% 44.4% 49.3% 47.3% 43.9% 1.80% o 1.57% 1.50% 1.43% 163.0% 165.8% 169.8% 174.4% 1.48% 169.1% 12.2% a 9.6% 8.7% 9.0% 9.6% 0.6% 0.6% 0.5% 0.5% 0.5% 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 The Saudi Investment Bank - 3Q 2023 Investor Presentation P. 34

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