3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | NET INTEREST INCOME NII growth of 28% from margin expansion and earning assets growth ■ NII for 9M 2023 grew 28% YoY to SAR 5,967mn from margin expansion and 6% growth in (simple) average earning assets. ■ Interest income rose 72% YoY to SAR 9,712mn in 9M 2023, while funding costs rose 3.7x to SAR 3,744mn. 4,648 Net Interest Income (SAR Mn) 5,967 +28% 5,967 4,648 442 76 Net Interest Income Movement (SAR Mn) 5,967 +28% 4,296 البنك السعودي الفرنسي Banque Saudi Fransi 5,967 (760) (777) (1,958) Net interest income 9M 22 Investments Cash, SAMA & interbank Loans, gross Cash flow hedging impact Due to banks & debt Customers' deposits Net interest income 9M 23 5,658 Interest Income (SAR Mn) 9,712 +72% 9,712 +72% 1,010 QoQ 9M 22 9M 23 9M 22 9M 23 9M 22 Interest Expense (SAR Mn) 3.744 +271% 3,744 +271% QoQ 9M 23 131

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