Investor Presentaiton

Wholesale 4% net profit growth YoY as fee income growth and credit recoveries were partly offset by higher funding costs SNB Net Income Before Zakat & Tax Movement YoY (SARmn) SAR (mn) Total assets Financing and advances, net Total liabilities Customers' deposits 3Q 2023 2Q 2023 A 579,657 555,741 +4% 261,946 251,682 +4% 464,852 437,411 +6% 250,173 231,239 +8% 3Q 2023 4Q 2022 A 579,657 519,030 +12% 261,946 232,691 +13% 464,852 403,053 +15% 250,173 210,982 +19% 8,347 (649) 74 (30) +4% 1,075 8,710 (108) Operating Income SAR -575 (-5%) -9% +2% +2% -126% -243% 9M 2023 9M 2022 Net special commission income 6,929 7,577 Fee & other income 3,059 2,985 A -9% +2% Total operating income 9,988 10,563 -5% 3Q 2023 3Q 2022 A 2,256 2,554 -12% 1,100 3,356 9M 22 NSCI Fee & other income Expenses Impairments Other income (expenses) 9M 23 1,194 -8% 3,747 -10% Financing & Advances (SARbn) Customers' Deposits (SARbn) Operating expenses (1,440) Impairments 225 (1,410) (851) +2% -126% Other income (expenses) (63) 44 -243% (15) (511) (436) +17% 205 -154% (382) -26% +13% +19% 251.7 261.9 250.2 232.7 231.2 211.0 (21) Net income before zakat & tax 8,710 8,347 +4% 3,033 2,908 +4% +4% QoQ +8% QoQ Cost to income ratio 14.4% Cost of risk -0.11% 13.3% +107bps 0.51% -62bps -0.31% 15.2% 11.6% +359bps 0.68% -99bps 4Q 22 2Q 23 3Q 23 4Q 22 2Q 23 3Q 23 SNB | 3Q 2023 | Investor Presentation 41

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