3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | CREDIT QUALITY NPL coverage improved 19.6ppts YTD to 139.5% Allowance For Impairment (SAR Bn) Allowance For Impairment (SAR Bn) NPL Coverage Ratio (%) 4.9 4.9 139.5% -1% 5.7 5.0 4.9 4.9 19 0.3 0.3 0.3 5.4 4.7 4.7 -13% QoQ 4Q 22 2Q 23 3Q 23 ■Commercial Consumer ■ NPL coverage improved 19.6ppts YTD to 139.5% as of 30 Sept. 2023 due to additional coverage on isolated exposures which previously migrated to NPL in the Commercial book. Stage 3 coverage improved 8.4ppts during 9M 2023, stage 2 coverage improved 1.6ppts to 16.3%, while stage 1 coverage declined 10bps to 0.19%. البنك السعودي الفرنسي Banque Saudi Fransi Commercial NPL Coverage (%) - 138% +25 ppts year-on-year 139.5% -1% 133.3% 131.3% 5.2 5.2 5.4 5.7 126.5% 5.0 4.9 122.9% 119.9% 116.8% Consumer NPL Coverage (%) -13% QoQ 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Stage-Wise Gross Financing (SAR Bn) 179.6 +10% Stage-Wise ECL Allowances (SAR Bn) 4.9 -5% 165% -70 ppts year-on-year Stage-Wise Provision Coverage (%) 73.4% 76.6% 71.7% 73.4% 63.0% 62.6% 63.9% 65.0% 175.4 179.6 163.7 2.4% 2.0% 42 5.7 5.2 4.9 2.8% 8.2% 7.5% 6.8% 55.8% 58.0% 53.2% 89.0% 90.0% 91.2% 37.6% 35.7% 40.5% 6.5% 6.3% 6.3% 3Q 22 2Q 23 3Q 23 3Q 22 2Q 23 3Q 23 1Q 22 2Q 22 14.5% 15.3% 14.6% 14.8% 14.5% 15.3% 16.3% ° 0.28% 0.26% 0.23% 0.29% 0.24% 0.23% 0.19% ○ -O о 3Q 22 4Q 22 1Q 23 2Q 23 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 -o-Stage 1 -0- Stage 2 3Q 23 Stage 3 | 38

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