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2Q 2023 Investor Presentation

Expenses Trends | Cost efficiencies remains solid Operating Expenses (SARmn) +1.1% 2,001 1,820 1,861 1,800 1,840 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 Cost To Income Ratio (%) Operating Expenses Growth Drivers By Type (SARmn) +1.4% 101 148 3,589 3,640 (198) 1H 22 Salaries & Benefits Depreciation Other G&A expenses 1H 23 Cost to Income Ratio Drivers (%) 1.1% 25.4% 25.6% 26.1% 26.5% 26.7% 25.4% -0.2% 130 bps 0.7% 1.1% 26.7% -1.5% 1H 22 9M 22 FY 22 1Q 23 1H 23 1H 22 Yield Income Non-Yield Income Staff Depreciation G&A 1H 23 2Q 2023 Investor Presentation 27 &

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