Investor Presentation

Strategy Background Profile / Strategy / Sustainability / Environment / Financials / Appendix We all know that Saudi Arabia and its Banking Landscape are transforming Sustainability ■ Core component of banking operations and strategy Industry Evolution ■ Customer expectations ■ Growing competition (Fintechs/M&A) Mortgage to Corporate shift with V2030 Macro Pressure ■ Covid: digitization & work-life patterns Rising geopolitical disruptions "Higher for longer" rates environment Liquidity pressures / cost Riyad Bank - Investor Presentation - 30/09/23 General Business 8

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