3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | CUSTOMERS' DEPOSITS 6% growth in deposits YTD from increased IBDs ☐ Deposits grew 6% during 9M 2023 from increased IBDs. ☐ IBD increased 20% YTD from 50% growth in Corporate, partly offset by a 28% decline in Retail mostly in Private Banking. البنك السعودي الفرنسي Banque Saudi Fransi Customers' Deposits (SAR Bn) Customers' Deposits Movement (SAR Bn) 166.4 12.0 157.6 +6% ■ NIBD's declined 3% YTD due to a 19% decline in Corporate which was partly offset by 9% growth in Retail, mostly raised from the private banking franchise. 157.6 161.2 166.4 As of 30 September 2023, 55.9% of deposits were non- interest bearing, the 9.0ppts YoY decline is reflective of the rising rate environment. 96.3 95.7 93.0 80.3 +3% QoQ 61.3 65.5 73.4 77.3 NIBD % of Total Deposits (%) 55.9% 4Q 22 2Q 23 3Q 23 IBD ONIBD Interest Bearing Deposits (SAR Bn) 73.4 +20% 166.4 +6% 166.4 -3.3 90.9 75.5 Customers' deposits 4Q 22 IBD NIBD Customers' deposits 3Q 23 Retail Corporate Non Interest Bearing Deposits (SAR Bn) 93.0 -3% 63.6% 64.9% 61.4% 61.1% 57.0% 59.4% 55.9% 72.0 73.4 61.0 61.3 65.5 95.8 96.9 102.5 96.3 95.4 95.7 93.0 54.9 55.3 34.7 37.4 45.4 42.9 41.4 37.0 34.8 49.2 37.4 56.1 37.8 44.9 37.5 49.2 +12% -3% QoQ 61.1 59.5 57.1 53.3 54.0 58.8 58.2 QoQ 17.2 16.1 17.8 24.0 22.8 16.2 17.3 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 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Retail Corporate Retail Corporate Note: Non-interest-bearing deposits are taken as the sum of Demand and Other deposits. Factually, some of these deposits are in fact interest-bearing, though their average cost is generally nominal. | 30

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