Investor Presentaiton

Loan Book Overview Profile / Strategy / Sustainability/Environment / Financials / Appendix Loan book increases, with two thirds of the growth coming from commercial book and the remaining portion primarily from mortgages Gross Loan Movement YTD (SARbn) +10% Gross Commercial Loan Movement by Economic Sector YTD (SARbn) +10% 16.5 8.3 271.9 8.8 3.8 2.2 1.9 1.1 247.1 159.7 (1.2) Gross Consumer Loan Movement by Product YTD (SARbn) +9% 176.2 5.5 2.0 0.6 0.2 95.7 87.4 +10% +9% +17% 4Q-22 Commercial Consumer 3Q-23 4Q-22 Commerce +29% +11% +15% Utilities Construction Banks +4% Manu- facturing -3% Other 3Q-23 4Q-22 +10% Mortgages +8% Personal loans +22% Auto loans Credit cards +20% 3Q-23 Gross Commercial Loans by Sector, 3Q-23 (SARbn) Gross Consumer Loans by Product, 3Q-23 (SARbn) 3.1 1.4 ■Commerce ■Construction 49.9 60.3 ■Mortgages 27.8 Personal loans Services Auto loans 27.5 21.5 63.4 Manufacturing 17.1 Credit cards Other Riyad Bank - Investor Presentation - 30/09/23 Gross loans and advances grew by 10% YTD as of 30 September 2023 from both commercial and consumer loans. Commercial loans grew by 10% YTD during 9M 2023 with one- third of the growth coming from SME. Main driving sectors are commerce, utilities and construction. Consumer loans increased by 9% during 9M 2023, driven mainly by the mortgage growth (10% YTD). Auto loans and Credit cards hold minor shares in the consumer portfolio but are growing rapidly with above 20% growth. General Business 25

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