Investor Presentation

Guidance With all KPIs within guidance Guidance Metric Loans, Net FY 2022 SAR 242 bn (12% YoY) 3.11% NSCI Margin Cost to Income Previous Guidance High Single to Low Double Digit - +40bps +60bps 32.4% Below 31% 9M 2023 SAR 267 bn (+11% YoY) 3.64% (+0.53% YTD) 30.9% Current Guidance High Single to Low Double Digit +40bps - +60bps Below 31% 0.44% Cost of Credit Risk 70bps - 90bps 0.70% 70bps - 90bps CET1 ROAE before Zakat Riyad Bank - Investor Presentation - 30/09/23 15.9% Above 15% 15.6% Above 15% 16.2% Above 17%* 18.0% Above 17%* *ROAE after Zakat guidance is above 15%; 9M 2023 at 16.2% General Business 48

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