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Operating Expenses Operating expenses up 6% YoY from higher G&A expenses domestically and increased International costs impacted by inflation pressures SNB Operating Expenses (SARmn)¹ Operating Expenses Movement YoY (SARmn)¹ 2,557 2,404 2,226 2,157 2,236 +6% 815 626 593 778 686 6,781 377 7,196 120 355 346 367 335 386 139 133 134 147 125 (4) (8) (70) 1,105 1,164 959 1,157 1,228 Domestic: SAR +39mn (+1%) QoQ -3% +4% +8% +6% -0% -2% -8% +7% +54% 3Q 22 4Q 22 10 23 2Q 23 3Q 23 9M 22 Employee- related Premises Depreciation G&A Int'l 9M 23 Premises ■Depreciation ■G&A ■Employee-related Cost to Income Ratio YTD (%)¹ 2023 Guidance Below 28.5% 27.1% 26.9% - 27.7% 27.2% 25.6% 26.6% - 26.2% 26.2% 25.8% 24.3% 9M 22 FY 22 --Cost to Income Ratio 1Q 23 1H 23 -O-Group, excl. Int'l 9M 23 SNB | 3Q 2023 | Investor Presentation Cost to Income Ratio Movement YoY (%)¹ +47bps 27.2% 0.2% 0.9% 27.7% -0.5% 9M 22 Domestic NOR Domestic OPEX Int'l 9M 23 1 Operating expenses and cost to income ratio exclude amortization of intangibles of SAR 615mn (9M 22: SAR 640mn) 33

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