Investor Presentaiton

Segmental Highlights Solid net income contributions from Retail, Wholesale and International Total Assets Movement YTD (SARbn) Total Liabilities Movement YTD (SARbn) SNB Total Assets Composition (%) Capital Markets 1.4% +9% +10% 61 1 1,027 62 858 21 945 19 (1) 779 (0) (1) Wholesale 56.4% +5% +12% +7% -2% +5% +15% -2% -4% 4Q 22 Retail Whole- Capital sale Markets Int'l 3Q 23 4Q 22 Retail Whole- Capital sale Markets Int'l 30 23 Total Operating Income Movement YoY (SARmn) Net Income Before Zakat & Tax Movement YoY (SARmn) Total Operating Income Composition (%) +4% +9% 1,079 569 25,965 363 1 99 17,262 928 24,886 15,872 (575) Wholesale 38.5% +10% -5% +0% +28% +16% +4% 9M 22 Retail Whole- Capital sale Markets Int'l 9M 23 9M 22 Retail Whole- sale +0% Capital Markets +11% Int'l 9M 23 SNB | 3Q 2023 | Investor Presentation Int'l 3.1% Retail 39.0% Capital Markets 5.3% Int'l 9.9% Retail 46.4% 22 22

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