3Q 2023 Financial Performance

PROFILE | PRESENCE We are a leading banking group in Saudi Arabia with a strong focus on domestic operations ■ BSF is the successor to Banque de l'Indochine (est. 1949) ■ BSF was then established by Royal Decree No. M/23 as a Saudi Arabian joint stock company in 1977, in accordance with regulations requiring KSA National majority ownership. ■ BSF was previously affiliated with CA-CIB, a wholly-owned subsidiary of Crédit Agricole S.A., which held a 31.1% interest in the Bank, which was fully divested by 2019. 9M 23 Operating Income Diversity (SAR Mn) Branches 82 +0 year-on-year 7,133 Investment Banking and Brokerage 4.7% Treasury 13.4% 0 Retail 37.0% Corporate Total Assets (Billion) 249.9 +7.9% year-on-year 45.0% Headquartered in Riyadh: 82 branches across the Kingdom Domestically systemic bank Universal Bank model: Corporate DNA (82% of our loan book) Full suite of conventional and Islamic products Growing Retail loan book Core focus on the Saudi market Customers' Deposits (Billion) 166.4 +5.4% year-on-year Employees 3,072 البنك السعودي الفرنسي Banque Saudi Fransi +1.0% year-on-year Subsidiaries in KSA: Saudi Fransi Capital Saudi Fransi Insurance Agency Saudi Fransi for Finance Leasing Sakan Real Estate Financing Company Joint ventures in KSA: Insurance with Allianz Market Capitalization (Billion) 44.0 -13.1% year-on-year 4

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