3Q 2023 Financial Performance

SEGMENTAL PERFORMANCE | RETAIL Higher profits YoY from higher net interest income 534 1,119 Net Income Before Zakat Movement (SAR Mn) 1,514 +184% (44) (188) Total Operating Income (SAR Mn) 950 +63% 950 94 1,514 883 582 851 917 +8% QoQ 536 Net income before zakat Net interest income Fee & other income Expenses Impairments Net income before zakat 3Q 22 2Q 23 3Q 23 9M 22 9M 23 Net interest income Fee & other income Retail Loans (SAR Bn) 40.4 +9% Retail Deposits (SAR Bn) 75.5 -2% 34.3 36.2 37.0 37.0 37.9 38.8 40.4 78.3 75.6 74.9 77.3 76.8 75.0 75.5 +4% QoQ Net Income Before Zakat (SAR Mn) 258 +1% QoQ IIIIIII 551 +114% 551 505 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 3Q 22 2Q 23 البنك السعودي الفرنسي Banque Saudi Fransi Net Interest Income 917 +71.1% SAR Million year-on-year Fee & other income 33 SAR Million -29.1% year-on-year Expenses 408 SAR Million +13.5% year-on-year Impairments +9% QoQ 3Q 23 J..... -9 SAR Million -73.7% year-on-year 145

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