3Q 2023 Financial Performance

FINANCIAL PERFORMANCE | NET INTEREST MARGIN Improved loan yields from higher rate environment drive margin expansion ■ The NIM increased 65bps YoY due to improved loan yields, partly offset by the higher funding costs and the hedging impact. The quarterly NIM improved 50bps YoY and 9bps QoQ to 3.66%. Funding costs increased by 200bps YoY to 2.77% in 9M 2023. YTD Net Interest Margin Trend (%) 3.63% 5.69% 5.77% 5.91% 3.16% 3.36% 3.64% 3.96% 3.65% 3.62% 3.63% 0.36% 2.86% 2.90% 2.99% 3.06% 0.55% 0.77% 2.99% 0.24% 0.04% 1.06% 2.46% 2.61% 2.77% SAIBOR Trend (%) Net Interest Margin Movement (%) 3.63% 2.46% +65 bps البنك السعودي الفرنسي Banque Saudi Fransi 3.63% -0.47% -0.47% -1.16% 1Q 22 1H 22 9M 22 -O-Interest yield FY 22 1Q 23 1H 23 9M 23 --Cost of funding. Net interest margin Investments Cash, SAMA & interbank Loans Cash flow hedging impact Due to banks & debt Customers' deposits Net interest margin 9M 22 9M 23 Net interest margin Quarterly Net Interest Margin Trend (%) Average Interest Earning Assets (SAR Bn) Average Interest Bearing Liabilities (SAR Bn) 5.80% 3.66% 219.5 180.9 5.49% 5.66% 5.80% +6% +3% 3.65% 3.57% 3.66% 5.14% 5.02% 2.86% 2.93% 3.16% 3.30% 4.92% 208.0 219.5 176.5 180.9 3.13% 2.41% 5% 3% 0 2.04% 21% 21% 12% 10% 32% 38% 1.36% 2.38% 1.67% 74% 76% 56% 1.01% 52% 0.51% 1Q 22 1H 22 9M 22 FY 22 1Q 23 1H 23 9M 23 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 9M 22 9M 23 9M 22 9M 23 SOFR/LIBOR: USD 3M (avg) -0- SAIBOR: SAR 3M (avg) Loans Investments Cash, SAMA & interbank NIBD □ IBD Due to banks & debt | 32

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