Investor Presentaiton

SAIB is focused on delivering strong results across key performance indicators 9M 2023 LOANS & ADVANCES SAR 80.2bn +16% YTD Balance Sheet DEPOSITS SAR 85.5bn +23% YTD NET INTEREST MARGIN 3.07% +24bps YoY Profitability COST TO INCOME RATIO RETURN ON TANGIBLE EQUITY 41.7% -2.9ppt YoY 12.2% +1.5ppt YoY COST OF RISK 0.43% +59bps YoY Asset Quality NPL RATIO 1.48% -9bps YTD NPL COVERAGE RATIO 169.1% +6.1 ppt YTD TIER 1 RATIO Capital & Liquidity SAMA LTD RATIO 18.6% +1.0ppt YTD 74.4% -4.5ppt YTD DRIVERS Strong growth in Corporate (+23%) and Private Banking (+6%) loans Strong growth in IBDs (+41%) mainly from public institutions, while NIBDS were stable YTD; CASA ratio moderated -8.2ppts to 36.7% NIM expansion YoY from higher benchmark rates, but 5bps contraction QoQ from shift in deposit mix Operating expenses rose 18% from spend on strategic initiatives, but positive jaws improve cost to income ratio ROTE improvement as net income growth YoY of 15% to SAR 1,314mn exceeds growth in tangible common equity (+4% YoY) Cost of risk remains low at 43bps, but rose YoY due to elevated recoveries in the prior year NPL ratio on improving trend from benign credit environment Improved stage 3 and overall coverage as additional provisions were made for certain corporate NPL exposures Capitalization improvement mainly driven by RWA decline following new SAMA regulations which allow share collaterals as RWA reductions Improvement driven by strong deposit growth YTD. The Saudi Investment Bank - 3Q 2023 Investor Presentation Return on Tangible Equity calculated using net income attributable to shareholders in the numerator, after deducting Tier 1 Sukuk costs P. 24

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