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2Q 2023 Investor Presentation

Capitalization Trends | Capital position well above regulatory minima RWA (SARbn) +6.9% 498.0 503.5 471.1 38.4 42.3 37.8 2.7 1.6 5.1 430.7 454.0 460.0 2Q 22 4Q 22 Credit risk Market risk 2Q 23 Operational risk Capital Ratios (%) Total Capital (SARbn) +22.4% 109.0 106.6 5.7 5.7 89.1 5.4 100.9 83.7 103.3 2Q 22 4Q 22 Total tier 1 capital (T1) 2Q 23 Tier 2 capital (T2) Tier 1 Drivers (%) 0.25% 21.4% 21.7% 20.9% 20.5% 19.4% 20.3% 1.6% 0.0% 20.3% 18.9% 19.7% 0.0% 20.5% -0.1% -0.2% -1.0% 17.8% 18.2% 17.2% 16.4% 16.9% 17.0% 16.5% 2Q 22 3Q 22 4Q 22 1Q 23 CET1 ratio T1 ratio 2Q 23 -TC ratio 4Q 22 Dividends YTD Profit Other reserves FTA + Goodwill Sukuk RWA 2Q 23 2Q 2023 Investor Presentation 32 8

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