Investor Presentaiton

Resilient asset quality, adequate capital and liquidity position to accelerate growth and returns Loans & Advances Deposits +4% CAGR +2% CAGR 68.9 69.1 69.6 63.7 59.4 57.1 55.1 57.8 60.1 61.5 ROTE 4.21% 1.01% +569bps 9.90% 6.95% 6.92% 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 NPL Ratio 1.76% 3.99% Capital Ratios -Tier 1 ratio CAR Liquidity Ratios SAMA LTD -O-LCR NSFR 21.2% 20.8% 18.3% 19.3% 199.6% 2.04% 1.86% 18.2% 17.6% 1.57% 16.3% 20.3% 20.1% 107.8% - 77.8% - 17.5% 2018 2019 2020 2021 2022 The Saudi Investment Bank - 3Q 2023 Investor Presentation 2018 2019 2020 2021 2022 219.9% 114.6% 79.0% 2018 2019 2020 2021 2022 P. 6

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