Investor Presentaiton

Treasury and Investments SAR Million 3Q 2023 3Q 2022 A 9M 2023 9M 2022 A Net Income Before Zakat Movement YoY (SARMn) Net Special Commission Income Fee & other income 261 163 +60% 802 527 +52% 50 44 +13% 156 115 +36% +62% Total operating income 311 208 +50% 958 642 +49% 275 41 675 Operating expenses (108) (99) 416 +9% (338) (282) +20% (56) (2) Provision for credit and other losses (0) 1 -146% (1) 1 -147% Share in earnings of associates 24 28 -12% 55 55 +1% 9M 22 NSCI Net income before zakat Fee & other Operating Impairments Associates income Expenses 9M 23 227 137 +65% 675 416 +62% Investments (SARbn) +16% 26.9 28.2 30.1 31.7 32.8 Deposits (SARbn) Net Income Before Zakat (SARmn) +56% 50.9 52.9 42.3 137 33.8 30.5 82 +65% 243 227 205 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 The Saudi Investment Bank - 3Q 2023 Investor Presentation P. 43

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