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Investor Presentaiton

Public Institutions Strategy: Increase penetration and grow DDA and fees Status quo Current PI franchise with a good number of depositing customers contributing a significant percentage of DDA deposits Key Strategic Priorities Key Strategic Initiatives Revisit segmentation and coverage Review capacity and hire RMs as needed Implement account planning and re-equip RMS with tools Revise scorecard and KPIs The Saudi Investment Bank - 3Q 2023 Investor Presentation Redesign the Revamp value proposition 500 operating model • Redefine Pl operating model • Introduce . Implement target public institutions organization Streamline and automate key processes • Redesign: • dedicated employee team, • B2B, . mobile and priority services for high value client • account opening and • maintenance process for public institutions P. 18
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