Investor Presentaiton

Digital Convergence Fostering digital leadership through customer adoption, growing digital sales and scaling up innovation Digitize the Bank Digital Penetration 888 Digital Innovation SNB Retail Digital Banking Digital Penetration, % Clients Digital Account Opening, % accounts Digital Sales, % Units Fortify digital leadership +5ppts +7ppts +7ppts ☐ Deploy leading digital > proposition 78% 83% 83% 86% 92% 93% 61% 63% 68% Deliver distinctive customer journeys > > SNB | 3Q 2023 | Investor Presentation 9M 21 9M 22 9M 23 9M 21 9M 22 9M 23 9M 21 9M 22 9M 23 Corporate Digital banking Digital Penetration, % Clients Digital Account Opening, % accounts PoS Transaction Value, Billion Solidify corporate relationships +3ppts +10ppts +11% 74% 77% 67% 77% 86.4 96.2 ■ Facilitate digital platforms with leading functionalities and trade capabilities Accelerate digital sales Digital Ventures 9M 22 9M 23 9M 22 9M 23 9M 22 9M 23 A lifestyle digital banking proposition enabling a financial ecosystem for FinTech partnerships > towards strengthening SNB's presence in the Kingdom's Fintech space Comprehensive digital product suite tailored to niche segments for daily banking and beyond Incubate innovative product concepts and solutions for SNB Group 1 Subject to obtaining required regulatory approvals Pilot launch Commercial launch¹ Commenced 2H 23 16

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