Investor Presentaiton

Corporate Segment Profile / Strategy / Sustainability / Environment / Financials / Appendix Corporate profitability sustained by the growth in net special commission income, partly offset by the increase in provisioning and expenses Net income before zakat of the Corporate segment increased by 28% to SAR 4,366 mn for 9M 2023 mainly due to higher net special commission income, partly offset by the increase in provisioning and operating expenses. Total operating income grew by 36% YoY for 9M 2023 and by 31% for 3Q 2023, demonstrating growth in both NSCI and Fee & other income. Net Income Before Zakat Movement YoY (SARmn) SAR (mn) 3Q-2023 3Q-2022 YoY % Change 9M-2023 9M-2022 YoY % Change NSCI Fee & other income +28% 1,667 1,278 +30% 4,944 3,418 +45% 1,527 159 574 434 +32% 1,366 1,207 +13% 4,366 3,414 (183) Total operating income 2,241 1,712 +31% 6,310 4,624 +36% (550) Operating expenses before impairments (343) (261) +31% (929) (745) +25% Impairments (226) (154) +47% (1,016) (466) +118% 9M-22 +45% NSCI +13% +25% Net income before zakat 1,672 1,296 +29% 4,366 3,414 +28% +118% Fee & other Opex before Impairments income impairments 9M-23 Total Operating Income (SARmn) 1,712 434 +31% 2,037 391 1,646 1,278 2,241 Net Income Before Zakat (SARmn) +29% Loans & Advances, Net (SARbn) +11% Deposits (SARbn) +5% 1,672 166.4 169.2 167.6 151.9 151.4 1,296 1,374 143.7 574 1,667 +10% QoQ +22% QoQ +2% QoQ -10% QoQ 3Q-22 2Q-23 3Q-23 3Q-22 2Q-23 3Q-23 4Q-22 2Q-23 3Q-23 4Q-22 2Q-23 3Q-23 NSCI Fee & other income Riyad Bank - Investor Presentation - 30/09/23 General Business 43

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