Investor Presentaiton

SNB & ALRAJHI outperformed its peers on L&A and deposits growth performance L&A Growth YoY (%) 50.0 Gained Financing MS 45.0 | 40.0 I [ I 35.0 I I 30.0 25.0 20.0 15.0 14.2 10.0 مصرف الإنماء | I I I I بانك الرياض alinma bank riyad bank بنك البلاد Bank Albilad البنك السعودي الفرنسي بنك الجزيرة BANK ALJAZIRA مصرف الراجحي Al Rajhi Bank Gained Deposits & Financing MS 2021 Av SNB Deposits Growth YoY (%) KEY TAKEAWAYS L&A of the top ten banks increased by 14.2% YoY in 2021 while aggregate deposits grew by 7.2% ■ L&A (ex-SNB*) grew by 6.7% YOY while the deposits (ex-SNB*) declined by 1.8% YOY • ALRAJHI reported L&A growth of 43.4%, while the deposits grew by 33.8% YoY L&A growth was driven by 45.9% YoY increase in retail loans ■ Deposits grew due to 33.8% YoY as time deposits increased 3.0x SABB was the only bank to report 1.2% YoY fall in deposits in 2021 ساب SABB I العربي J anb I I Banque Saudi Fransi 5.0 البنك السعودي للاستثمار The Saudi Investment Bank | Lost Deposits & Financing MS Gained Deposits MS 0.0 -5.0 0.0 5.0 7.2 10.0 15.0 20.0 25.0 30.0 35.0 40.0 45.0 Note: MS stands for market share ; Data points for SNB are not comparable Source: Financial statements, Investor presentations, A&M analysis 6 ALVAREZ & MARSAL

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