Investor Presentaiton

Growth in fee and other income driven by foreign exchange and investment income Fee & other income increased 9% YoY in 9M 2023, mainly driven by foreign exchange and investment income Foreign exchange income was well supported by strong transaction volumes in travel card and remittance products Investment related losses decreased due to lower mark to market fair value losses Fee from banking services declined due to lower fees from other banking services Fee & Other Income Movement YoY (SARmn) +9% 21 14 331 Fee And Other Income (SARMn) +14% 126 118 118 103 102 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 The Saudi Investment Bank - 3Q 2023 Investor Presentation (4) 362 9M 22 FX Inv.-related Banking services 9M 23 Fee & Other Income by segment (%) - 9M 23 Fee Income From Banking Services (SARmn) -9% Banking services 44% 65% - EX Inv.-related | Trading & Fund Mgmt. Trade finance ☐ Corporate & retail finance Other 81 82 69 71 58 57 73 3 13 6 31 31 25 30 30 33 39 35 27 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 P. 32

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