Investor Presentaiton

Customer deposits increased 23% driven by IBDS Deposits grew 23% YTD during 9M 2023 mainly driven by increase in interest-bearing deposits IBDs rose 41% YTD from large inflows to time deposits amid higher interest rate environment NIBDs were stable YTD Retail and Corporate deposits declined by 6% and 19% respectively; Treasury and Investment deposits grew 56% due to inflow from public institutions Deposits Movement YTD (SAR bn) +23% 15.8 0.4 69.6 Deposits by segment (%) +23% Deposits YTD Retail 27% Corporate 63% 10% +3% Deposits QoQ Others (0.3) (0.1) NIBD % of total 44.9% 85.5 49.6% a 39.9% 40.3% 36.7% FY 22 Time Demand Other Savings 9M 23 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 The Saudi Investment Bank - 3Q 2023 Earnings Presentation P. 16

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