Investor Presentaiton

Robust financial performance with double digit net profit growth and improved profitability Total Operating Income NIM Operating Expenses +5% CAGR +6% CAGR 3,265 2,713 2,818 2,846 2,753 1,433 1,133 1,234 1,214 1,270 Net Income 576 239 +27% CAGR 1,508 980 1,062 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2.57% 2.52% 2.59% 2.64% - 2.92% 2018 2019 2020 2021 2022 The Saudi Investment Bank - 3Q 2023 Investor Presentation Cost To Income Ratio 41.8% 46.1% 43.8% 42.7% 43.9% 2018 2019 2020 2021 2022 Cost of risk 0.40% 2.11% 0.77% 0.43% 0.25% 2018 2019 2020 2021 2022 P. 5

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