3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | CREDIT QUALITY NPL ratio trend moderating during 9M 2023 following previous migration of isolated exposures in the Commercial book Non Performing Loans & Advances 4.2 4.0 (SAR Bn) 3.5 -15% 0.1 4.2 4.1 Non Performing Loans & Advances (SAR Bn) 3.5 -15% NPL Ratio (%) 1.97% 2.73% 4.5 3.5 4.1 4.2 4.4 4.2 2.54% 2.59% 3.7 2.48% 0.1 3.5 0.2 3.4 -17% QoQ IIIIII 2.36% 2.42% -17% QoQ 4Q 22 2Q 23 3Q 23 Commercial Consumer 1.97% 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 Total Non Performing Movement (SAR Mn) 126 26 222 4,170 Total non performing 4Q 22 3,540 -15% 3,540 (708) (287) Contracting Commerce Consumer Services Manufacturing Other Total non performing 3Q 23 البنك السعودي الفرنسي Banque Saudi Fransi Commercial NPL Ratio (%) 2.3% -95 bps year-on-year Consumer NPL Ratio (%) 0.5% +7 bps year-on-year ■ The NPL ratio improved 57bps YTD to 1.97% as NPLs declined 15% on write-offs in the commercial book relative to 10% gross loan growth. ■ The trends in credit metrics were impacted by additional coverage on isolated exposures which previously migrated to NPL in the Commercial book. 137

View entire presentation