Investor Presentaiton

Retail SAR Million 3Q 2023 3Q 2022 A 9M 2023 9M 2022 Δ Net Income Before Zakat Movement YoY (SARMn) Net Special Commission Income 294 278 +6% 846 740 +14% Fee & other income 30 29 +4% 89 97 -8% -8% Total operating income 106 324 307 +5% 934 837 +12% 262 240 (8) Operating expenses (198) (173) +14% (596) (500) +19% (97) (23) Provision for credit and other losses (44) (26) +70% (98) (75) +31% 9M 22 NSCI Fee & other income Net income before zakat 82 108 -25% 240 262 -8% Operating Expenses Impairments 9M 23 Loans & Advances (SARbn) +2% 19.4 19.8 19.3 20.0 20.2 Deposits (SARbn) Net Income Before Zakat (SARmn) -6% -25% 26.7 24.3 24.7 22.8 23.2 191 108 97 82 61 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. 42

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