3Q 2023 Financial Performance

SEGMENTAL PERFORMANCE | TREASURY Net income declined 39% YoY due to higher funding costs. 1,156 (445) Net Income Before Zakat Movement (SAR Mn) 705 -39% 2 3 Net income before Net interest income Fee & other income zakat 9M 22 (11) Total Operating Income (SAR Mn) 253 -42% 433 332 705 130 253 135 146 304 -24% 197 107 QoQ 3Q 23 Expenses Impairments Net income before zakat 3Q 22 2Q 23 9M 23 Net interest income Investments (SAR Bn) 46.4 42.9 43.5 43.3 44.5 44.8 +4% Fee & other income Net Income Before Zakat (SAR Mn) 162 -52% 49.2 339 46.4 229 -6% QoQ البنك السعودي الفرنسي Banque Saudi Fransi Net Interest Income 107 SAR Million Fee & other income -64.7% year-on-year Iulm 146 SAR Million +12.5% year-on-year Expenses 75 -21.0% year-on-year SAR Million 162 -29% QoQ Impairments 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 3Q 22 2Q 23 3Q 23 Investments excludes Investment in Associates 15.4 SAR Million -1294.8% year-on-year 147

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