Investor Presentaiton

Fee & other income Fee & other income for 9M 2023 grew 1% YoY Profile / Strategy / Sustainability / Environment / Financials / Appendix Fee & Other Income Movement YoY (SARmn) SAR (mn) 3Q-2023 3Q-2022 YoY % Change 9M-2023 9M-2022 YoY % Change +1% Fee income from banking services 969 860 +13% 2,732 2,640 +3% 42 10 Fee expenses from banking services (322) (268) +20% (902) (802) +12% 2,656 10 2,694 Fee income from banking services, net 647 592 +9% 1,830 1,838 -0% (8) (6) Exchange income, net 152 168 -9% 458 415 +10% Investment-related income 75 56 +35% 350 356 -2% Other operating income 29 37 -22% 57 47 +22% 9M-22 Fee & other income 903 853 +6% 2,694 2,656 +1% -0% Banking services +10% FX -2% Inv.-related +22% Other 9M-23 Fee & other income increased by 1% YoY during 9M 2023 mainly driven by FX income growth, partially offset by minor decrease in investment-related income (-2%). Fee income from banking services remained stable YoY with increase of fees from credit facilities, advisory, card products and trade finance, offset by a decrease in trading and fund management and other fees. Fee & other income grew by 7% QoQ in 3Q 2023 driven by banking fees as well as FX income growth. Quarterly Fee & Other Income (SARmn) QoQ +6% Fee Income from Banking Services Movement YoY (SARmn) 948 113 853 891 903 843 1,838 +4% +6% -11% 3Q-22 4Q-22 1Q-23 2Q-23 (57) -0.4% 51 1,830 (55) (59) +7% +18% 3Q-23 9M-22 -34% -12% Credit facilities Card products Trade finance Trading & fund & advisory mgmt. +10% -104% Other 9M-23 Riyad Bank - Investor Presentation - 30/09/23 General Business 37

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