Investor Presentaiton

Corporate Banking Strategy: Accelerate profitable growth Status quo Strong corporate franchise with a large number of borrowing customers served through RMs with standard coverage model Key Strategic Priorities Key Strategic Initiatives Revisit segmentation and coverage Serve large corporates and mid-market through differentiated coverage Serve customers with more systematic and proactive digital enabled account planning Review capacity and hire RMs, product and industry specialists Revise corporate scorecard and KPIs • . . • Redesign the 500 operating model Enhance cross-sell capabilities and increase industry focus Implement new operating model consisting of 3 segments (large corporate, corporate, MSME) Embed transaction banking specialists, treasury and ICAP specialists Industry specialists' pilot (for central region) Revamp value proposition Enhance digital capabilities with new CIB platform (Ecorp, m-corp, B2B solution etc.) Broaden product suite in transaction banking and credit product offering • • Streamline and automate key processes Simplify and automate: credit processes/policy • account opening and maintenance process • trade processes Explore and prioritize other corporate processes The Saudi Investment Bank - 3Q 2023 Investor Presentation P. 17

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