Investor Presentation

Profile / Strategy / Sustainability / Environment / Financials / Appendix KSA Inflation and PMI Moderate price pressures remain on strong demand Inflation rate increased by 1.7% compared to the same month of previous year, driven by higher prices of housing, water, electricity, gas, and other fuels which rose by 8.1% from a year earlier. CPI Inflation eased to 1.7% YoY in Sep from 2% in Aug, with rents and food prices continue to be the main driver. CPI Inflation (%) Riyad Bank PMI continued its expansion in Q3 to signal strong performance by the non-oil sector driven by the new orders. Riyad Bank PMI & Components 5.0% 70 4.0% 65 3.0% 60 1.7% 2.0% 55 1.0% 50 0.0% 45 -1.0% -2.0% 40 40 Jul-21 Oct-21 Jan-22 Apr-22 Jul-22 Oct-22 Jan-23 Apr-23 Jul-23 Real GDP Growth (%) 2Q-23 -1000bps 1.2 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2021 2022 2023 General Index Goods Services ■PMI Index New Orders ■Employment 2Q-22 Riyad Bank PMI Sep-23 -4.0% Jun-23 REPO Rate (%) Repo RRepo Money Supply (YoY) Sep-23 -1.1ppt Jun-23 Credit Growth (YoY) Sep-23 -0.37bps Jun-23 Fiscal Balance (SARbn) Sep-23 -30.5Bn Jun-23 11.2 57.2 59.6 6.0 5.5 8.0% 9.1% 9.9% 10.2% -35.7 -5.2 Riyad Bank - Investor Presentation - 30/09/23 Sources: GASTAT, Riyad Bank General Business 20

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