Investor Presentaiton

Retail Segment Profile / Strategy / Sustainability / Environment / Financials / Appendix Retail net income declined 57% YoY from higher impairments and operating expenses Net income before zakat of the Retail segment declined by 57% to SAR 351 mn for 9M 2023 mainly due to increase in provisioning and operating expenses on the back of the improving provision coverage and investments in infrastructure and digital capabilities. Total operating income declined by 2% YoY for 9M 2023, while increasing by 5% for 3Q 2023. Total Operating Income (SARmn) +5% 943 34 1,011 994 37 Net Income Before Zakat Movement YoY (SARmn) SAR (mn) 3Q-2023 3Q-2022 YoY % Change 9M-2023 9M-2022 YoY % Change -57% NSCI 979 909 +8% 3,024 3,062 -1% 808 Fee & other income 15 34 -56% 99 135 -27% (38) Total operating income Operating expenses before impairments Impairments 994 943 +5% 3,123 3,197 -2% (36) 351 (184) (836) (789) +6% (2,378) (2,194) +8% (200) (94) (75) +25% (395) (195) +102% 9M-22 -1% NSCI -27% +8% +102% Net income before zakat 65 79 -18% 351 808 -57% Fee & other Opex before Impairments income impairments 9M-23 Net Income Before Zakat (SARmn) -18% 100 45 15 79 974 979 909 Loans & Advances, Net (SARbn) +8% Deposits (SARbn) +7% 96.1 97.2 104.7 103.3 89.7 96.3 65 ||| -2% QoQ -35% QoQ +1% QoQ -1% QoQ 3Q-22 2Q-23 3Q-23 3Q-22 2Q-23 3Q-23 4Q-22 2Q-23 3Q-23 4Q-22 2Q-23 3Q-23 NSCI Fee & other income Riyad Bank - Investor Presentation - 30/09/23 General Business 44

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